Sparkasse Landshut API Access & Open Banking Data

Sparkasse Landshut serves businesses and households across Lower Bavaria, and if you need programmatic access to your own account data, open-banking.io gives you a certificate-free path to it. There are no eIDAS certificates to buy, no PSD2 licence to hold, and no bank contract to negotiate. You authorise access to your own Sparkasse Landshut accounts (BIC BYLADEM1LAH) and your balances and transactions flow into a dashboard only you can decrypt.

open-banking.io is zero-knowledge by design: your encryption keys are generated on your own device, and the servers only ever hold your public key. Even we cannot read your statements.

How to connect Sparkasse Landshut

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 open-banking.io and set an encryption passphrase. Your private key is created locally, on your device.
  2. In the dashboard, pick Sparkasse Landshut and choose the account type you hold — business or personal are both supported.
  3. You are redirected to Sparkasse Landshut's own secure login, where you approve access under PSD2. Your credentials are only ever entered on the bank's site.
  4. Your accounts sync back into your dashboard. A single consent stays valid for up to 180 days before Sparkasse Landshut asks you to renew it.

Access your data

Reading data programmatically is an optional developer step you take after the connection exists. On the Developers page, create an API key and export a credentials.json file — this bundles the API key together with your private decryption key. From there, the CLI (openbanking accounts, openbanking transactions, openbanking sync), the SDKs, and the REST API all work against your live connection. Requests carry the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key there is nothing readable to see. Note the CLI and SDKs only read and sync connections that already exist; they never create one.

At around EUR 3 per month, it is a low-cost way to keep your Sparkasse Landshut data flowing into your own tools.

Do I need a PSD2 certificate for Sparkasse Landshut?

No. open-banking.io is certificate-free — you approve access with your normal Sparkasse Landshut login, nothing more.

Can open-banking.io read my transactions?

No. The service is zero-knowledge and holds only your public key. Decryption happens on your device with a key only you have.

How long does access last?

Sparkasse Landshut grants consent for up to 180 days, after which you re-approve access from the dashboard.

Ready to start? Visit open-banking.io.