Sparkasse Hochfranken API Access & Open Banking

Reaching your Sparkasse Hochfranken account data shouldn't require an eIDAS certificate, a bank sponsorship, or a compliance team. open-banking.io gives individuals and developers a direct, PSD2-compliant route to Sparkasse Hochfranken (BIC BYLADEM1HOF) covering both business and personal accounts. Everything you retrieve is decrypted on your own device with a key only you hold — the service itself is zero-knowledge and never sees your statements in the clear.

How to connect Sparkasse Hochfranken

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

  1. Sign up for open-banking.io and open the web dashboard.
  2. Set an encryption passphrase. Your cryptographic keys are generated locally on your device, so the private half never leaves it.
  3. Pick Sparkasse Hochfranken from the bank list and choose the account type — business or personal.
  4. Approve on Sparkasse Hochfranken's own login. You're redirected to the bank's secure consent screen, where you authenticate and grant access under PSD2. open-banking.io never touches your credentials.
  5. Accounts sync. Once you approve, your balances and transactions flow into your dashboard. Consent lasts up to 180 days, after which you simply re-approve.

Access your data

Programmatic access is an optional step for developers, taken only after a bank is connected in the dashboard. From the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. From there, use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key there is nothing readable to leak.

There's no PSD2 certificate to buy and no infrastructure to run. Pricing is a flat ~EUR 3/month, and the zero-knowledge design means open-banking.io stores only your public key.

Do I need a developer account to connect Sparkasse Hochfranken?

No. Connecting and viewing accounts is done in the dashboard. API keys and the CLI are only for reading data programmatically afterwards.

Can open-banking.io read my Sparkasse Hochfranken transactions?

No. Data is encrypted with keys generated on your device. The service holds only your public key and can never decrypt your account data.

How long does access to Sparkasse Hochfranken last?

Each PSD2 consent runs up to 180 days. When it expires, re-approve on the bank's consent screen to keep syncing.

Start at https://open-banking.io.