Sparkasse Kulmbach-Kronach API Access & Open Banking

Pulling your Sparkasse Kulmbach-Kronach balances and transactions into your own tools no longer means chasing eIDAS certificates or building a PSD2 stack. With open-banking.io you link the bank once through a guided dashboard, and every figure that reaches you is decrypted on your own device. Sparkasse Kulmbach-Kronach (BIC BYLADEM1KUB) is supported for both business and personal accounts, with consent lasting up to 180 days before you re-approve.

How to connect Sparkasse Kulmbach-Kronach

Connecting happens entirely inside 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 keys are generated locally on your device, so only you can unlock your data.
  3. In the dashboard, search for Sparkasse Kulmbach-Kronach and choose whether you're linking a business or personal account.
  4. You're redirected to Sparkasse Kulmbach-Kronach's own secure login, where you approve access under PSD2 — your credentials go only to the bank.
  5. Your approved accounts sync back into the dashboard, ready to view.

That's the whole flow. No developer redirect, no certificate, nothing to install.

Access your data

Once the connection exists, reading it programmatically is an optional developer step. Open 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 directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections that already exist — there is no connect command, because linking always happens in the dashboard.

Because open-banking.io is zero-knowledge, its servers hold only your public key and store your data as ciphertext they cannot read. That's what keeps the service certificate-free and privacy-first, all for roughly EUR 3/month across 2,600+ European banks.

Does open-banking.io see my Sparkasse Kulmbach-Kronach data?

No. Everything is decrypted on your device with a key only you hold. The servers store encrypted blobs and your public key — nothing readable.

Can I connect my account with an API key?

No. Banks are linked only in the dashboard by approving on Sparkasse Kulmbach-Kronach's login. API keys and credentials.json come later, purely for reading existing connections.

How long does access last?

Sparkasse Kulmbach-Kronach permits consent for up to 180 days. After that you simply re-approve through the dashboard to keep data flowing.

Start at open-banking.io.