Sparkasse Karlsruhe API Access & Open Banking Data
Sparkasse Karlsruhe (BIC KARSDE66XXX) is the savings bank serving the Karlsruhe region of Baden-Württemberg. With open-banking.io you can bring its account data into a single, privacy-first workspace — and, if you write software, read it programmatically afterwards. open-banking.io is a certificate-free EU/UK open-banking service covering 2,600+ banks, and it is zero-knowledge: your bank data is decrypted locally with an encryption key that only you ever hold.
Both business and personal Sparkasse Karlsruhe accounts are supported, and a single PSD2 consent stays valid for up to 180 days before you renew it.
How to connect Sparkasse Karlsruhe
Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in this step.
- Sign up for open-banking.io and set your encryption passphrase. Your keys are generated on your own device, so nobody else — not even open-banking.io — can read your data.
- In the dashboard, pick Sparkasse Karlsruhe and choose the account type (business or personal).
- You are redirected to Sparkasse Karlsruhe's own secure login, where you approve access on the bank's PSD2 consent screen.
- Your accounts sync back into your dashboard, ready to view and refresh.
Access your data
Programmatic access is an optional step you take after connecting. Open the Developers page, create an API key, and export a credentials.json — this bundles your 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 — the API key alone only ever returns ciphertext. The CLI and SDK read and sync existing connections; they never create one.
All of this runs on the standard plan of roughly EUR 3/month, with no eIDAS certificates or PSD2 licence of your own required.
Is my Sparkasse Karlsruhe data private?
Yes. open-banking.io is zero-knowledge and stores only your public key. Decryption happens on your device with a key that never leaves it.
Do I need a developer account to connect?
No. Connecting Sparkasse Karlsruhe is done in the dashboard by any user. API keys are only needed if you later want to read data in code.
How long does access last?
A Sparkasse Karlsruhe consent lasts up to 180 days. When it expires, reconfirm on the bank's consent screen to keep syncing.