Sparkasse Niederlausitz API & Open Banking Access

Sparkasse Niederlausitz serves the Oberspreewald-Lausitz region around Senftenberg, and if you bank there for a business or personal account, open-banking.io lets you pull that account and transaction data into one place. It is a zero-knowledge, certificate-free EU/UK open-banking service covering 2,600+ banks, so there are no eIDAS certificates to buy and no bank-specific paperwork to file. Your data is decrypted on your own device with a key only you hold — open-banking.io's servers never see it in the clear.

How to connect Sparkasse Niederlausitz

Connecting happens entirely inside the open-banking.io dashboard — no code, no API key, no developer setup.

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally on your device, so only you can later decrypt what you sync.
  2. In the dashboard, search for Sparkasse Niederlausitz (BIC WELADED1OSL) and choose your account type — business or personal.
  3. You are redirected to Sparkasse Niederlausitz's own secure login, where you approve access under PSD2. Your bank handles authentication; open-banking.io never sees your credentials.
  4. Your accounts and transactions sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

Reading the data programmatically is an optional step once the connection exists. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your key. The API key alone only ever returns ciphertext, which is what keeps the whole thing zero-knowledge.

All of this runs for around EUR 3/month, with no per-bank fees.

Do I need a developer account to connect?

No. Connecting Sparkasse Niederlausitz is done in the dashboard by any user. The API key and CLI are only for reading data afterward.

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

No. It stores only your public key. Everything is decrypted on your device, so ciphertext is all its servers ever hold.

What accounts are supported?

Both business and personal Sparkasse Niederlausitz accounts, with consent valid for up to 180 days per approval.

Get started at https://open-banking.io.