Sparkasse Mittelfranken-Süd API Access & Open Banking

Reaching your Sparkasse Mittelfranken-Süd account data no longer means wrestling with eIDAS certificates or a bespoke PSD2 integration. open-banking.io gives you a single, certificate-free path to your Roth-based Sparkasse (BIC BYLADEM1SRS), covering both business and personal account types. You approve access once, your accounts sync into a dashboard, and — if you write code — you read the data on your own terms.

The design is zero-knowledge: your decryption keys are generated on your own device, and open-banking.io only ever holds your public key. Your account balances and transactions are never readable on their servers.

How to connect Sparkasse Mittelfranken-Süd

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 open-banking.io and set your encryption passphrase. This generates your private key locally; only you ever hold it.
  2. In the dashboard, pick Sparkasse Mittelfranken-Süd from the bank list and choose the account type you need — business or personal.
  3. You are redirected to Sparkasse Mittelfranken-Süd's own secure login and consent screen, where you approve access under PSD2. Your credentials go only to the bank.
  4. Once approved, your accounts sync into your dashboard. The consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

After a connection exists, developers can optionally read it programmatically. On 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.
  • Or call the REST API / SDK, sending your key in the X-Api-Key header.

Every response is decrypted locally with your private key. The API key alone returns only ciphertext — without your key, nobody, including open-banking.io, can read it. Note the CLI and SDK only read and sync existing connections; there is no connect command.

All of this runs at roughly EUR 3/month, across 2,600+ EU and UK banks.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free. You authenticate directly on Sparkasse Mittelfranken-Süd's consent screen — no TPP certificate required.

Can open-banking.io see my Sparkasse Mittelfranken-Süd balance?

No. The service is zero-knowledge and stores only your public key. Data is decrypted on your device with a key only you hold.

How long does access last before I re-approve?

Sparkasse Mittelfranken-Süd grants consent for up to 180 days. After that, re-approve on the bank's own login screen to keep syncing.

Ready to start? Visit open-banking.io.