Sparkasse Nürnberg API Access & Open Banking Data

Sparkasse Nürnberg serves the Franconian metropolitan region, and open-banking.io gives you a clean, private way to reach its account data without wrestling with PSD2 certificates or bank sandboxes. Whether you keep a business or personal account (BIC SSKNDE77XXX), you can pull balances and transactions into one dashboard and, if you write code, read them programmatically — all while your data stays encrypted with a key only you hold.

open-banking.io is zero-knowledge and certificate-free. It covers 2,600+ EU and UK banks for roughly EUR 3/month, and its servers never see your decrypted account data — they hold only your public key.

How to connect Sparkasse Nürnberg

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. Your keys are generated locally on your own device.
  2. In the dashboard, pick Sparkasse Nürnberg and choose the account type you need — business or personal.
  3. You are redirected to Sparkasse Nürnberg's own secure login, where you approve access on the bank's consent screen (standard PSD2 authorisation).
  4. Your accounts sync back into your open-banking.io dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

Reading data in code is an optional step you take after the connection above already exists. From the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Note there is no connect command: the tools only read and sync connections you already made in the dashboard. An API key on its own returns only ciphertext — without your private key it cannot be read.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free. You only need a Sparkasse Nürnberg account and an open-banking.io subscription.

Can open-banking.io read my Sparkasse Nürnberg transactions?

No. The service is zero-knowledge and stores only your public key. Decryption happens on your device with a key that never leaves it.

How long does access to Sparkasse Nürnberg last?

Consent is valid for up to 180 days. When it expires, reconnect in the dashboard and re-approve on the bank's own login.

Start at https://open-banking.io.