Sparkasse Koblenz API Access & Open Banking

Reaching your Sparkasse Koblenz accounts programmatically no longer means chasing PSD2 certificates or standing up your own TPP infrastructure. open-banking.io gives you a single, privacy-first path to your Sparkasse Koblenz balances and transactions — with the data decrypted locally on your own device using a key that never leaves your hands. The service already covers 2,600+ banks across the EU and UK, and Sparkasse Koblenz (BIC MALADE51KOB) is fully supported for both business and personal accounts.

How to connect Sparkasse Koblenz

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your cryptographic keys are generated right there on your own device.
  2. In the dashboard, pick Sparkasse Koblenz and choose the account type you want to link — business or personal.
  3. You are redirected to Sparkasse Koblenz's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials only ever touch the bank.
  4. Once approved, your Sparkasse Koblenz accounts sync straight into your dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

Programmatic access is an optional step you take after the connection exists. Open the Developers page in the dashboard, create an API key, and export a credentials.json — this bundles your API key together with your private decryption key. From there you can run the CLI (openbanking accounts, openbanking transactions, openbanking sync), or reach for an SDK or the REST API. Every request carries the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDKs only read and sync connections that already exist — they never create them.

Because open-banking.io is zero-knowledge, its servers only ever hold your public key. An API key on its own returns nothing but ciphertext; without your private key, no one — not even open-banking.io — can read your Sparkasse Koblenz data. It is certificate-free, and pricing sits at around EUR 3 per month.

Do I need a PSD2 certificate for Sparkasse Koblenz?

No. open-banking.io handles the regulated access layer, so you never register as a TPP or manage certificates yourself.

Can open-banking.io see my Sparkasse Koblenz transactions?

No. Data is encrypted to a key only you hold and decrypted on your device. The service stores only your public key.

Up to 180 days per approval. When it expires, re-approve on Sparkasse Koblenz's own consent screen from your dashboard.

Ready to start? Head to open-banking.io.