Sparkasse Hilden-Ratingen-Velbert API & Open Banking Access

Reading your Sparkasse Hilden-Ratingen-Velbert balances and transactions shouldn't mean wrangling certificates or a bank sandbox. open-banking.io gives you regulated PSD2 access to this Rhineland Sparkasse (BIC WELADED1VEL) covering both business and personal accounts, with every figure decrypted on your own device using a key only you hold.

The service spans 2,600+ EU and UK banks, so once Sparkasse Hilden-Ratingen-Velbert is linked you can add accounts elsewhere under the same dashboard and the same encryption model. No eIDAS certificate, no compliance paperwork, no waiting on a developer program.

How to connect Sparkasse Hilden-Ratingen-Velbert

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key in this step:

  1. Sign up at open-banking.io and set an encryption passphrase. Your key pair is generated locally on your device; open-banking.io only ever sees your public key.
  2. In the dashboard, search for Sparkasse Hilden-Ratingen-Velbert and choose the account type you need — business or personal.
  3. You're redirected to Sparkasse Hilden-Ratingen-Velbert's own secure login to approve access (standard PSD2 consent), valid for up to 180 days before you renew.
  4. Your approved accounts sync straight into your dashboard, ready to view.

Because consent is granted on the bank's own screen, your credentials are never seen by open-banking.io.

Access your data

Want to pull the data programmatically? That's an optional step after connecting. Open the Developers page, create an API key, and export a credentials.json — it bundles the API key with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key alone only ever returns ciphertext, which is the whole point of the zero-knowledge design.

All of this runs at roughly EUR 3/month.

Is my Sparkasse Hilden-Ratingen-Velbert login shared with open-banking.io?

No. You authenticate on the bank's own consent screen. open-banking.io never receives your banking password.

Can I connect a business account?

Yes — both business and personal Sparkasse Hilden-Ratingen-Velbert accounts are supported. Pick the type when you add the bank.

How long does access last?

Up to 180 days per consent, after which you re-approve on the bank's screen to keep syncing.

Start at open-banking.io.