Sparkasse Kraichgau API Access & Open Banking Data

Sparkasse Kraichgau serves the Bruchsal, Bretten and Sinsheim area of Baden-Württemberg, and open-banking.io lets you pull its account and transaction data into one place without certificates, eIDAS paperwork or a bank-by-bank integration project. It works for both business and personal accounts (BIC BRUSDE66XXX), and everything you retrieve is encrypted so that only you can read it.

The service covers 2,600+ EU and UK banks under one subscription. Because it is zero-knowledge, the keys that decrypt your data are generated on your own device — open-banking.io's servers only ever hold your public key and store ciphertext they cannot open.

How to connect Sparkasse Kraichgau

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

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your private key is created locally in your browser and never leaves your device.
  3. In the dashboard, search for Sparkasse Kraichgau and choose the account type you want to link — business or personal.
  4. You are redirected to Sparkasse Kraichgau's own secure login, where you approve access under PSD2. Consent lasts up to 180 days, after which you simply re-approve.
  5. Your accounts sync back into the dashboard, ready to view.

Credentials are entered only on the bank's site — open-banking.io never sees your Sparkasse Kraichgau login.

Access your data

Once a connection exists, developers can read it programmatically — this is an optional step, not part of connecting. On the Developers page, create an API key and export a credentials.json, which bundles the API key together with your private decryption key.

With that file you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key — the API key alone only ever returns ciphertext.

All of this runs on the standard subscription of roughly EUR 3/month.

Do I need an eIDAS certificate?

No. open-banking.io handles the regulated PSD2 access, so you never register for a certificate or a bank developer programme.

Can open-banking.io read my Sparkasse Kraichgau data?

No. It is zero-knowledge and stores only your public key. Decryption happens on your device with a key only you hold.

Does the CLI connect my bank?

No. The CLI, SDK and API only read and sync connections that already exist. Linking Sparkasse Kraichgau is always done in the dashboard.

Start at open-banking.io.