Sparkasse Oberland API Access & Open Banking
Reaching your Sparkasse Oberland accounts through a single, privacy-first interface is what open-banking.io is built for. Instead of maintaining eIDAS certificates or wiring up a PSD2 gateway yourself, you link Sparkasse Oberland (BIC BYLADEM1WHM) once and let your balances and transactions flow into an encrypted dashboard that only you can unlock. Both business and personal accounts are supported, and a single consent stays valid for up to 180 days before Sparkasse Oberland asks you to renew it.
How to connect Sparkasse Oberland
Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in this step.
- Sign up at open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device, so nobody else — not even open-banking.io — can derive them.
- In the dashboard, search for Sparkasse Oberland and choose the account type you need, business or personal.
- You are redirected to Sparkasse Oberland's own secure login, where you approve access on the bank's PSD2 consent screen.
- Once approved, your accounts sync back into your dashboard automatically and refresh on their own.
That's the whole flow: authorise on the bank's side, and the data appears on yours.
Access your data
Reading Sparkasse Oberland data programmatically is an optional step you take after connecting. Open the Developers page, create an API key, and export a credentials.json — this bundles your 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 — they never establish one.
Because open-banking.io is zero-knowledge and certificate-free, its servers hold only your public key and store your data as ciphertext. An API key on its own returns nothing readable without your private key. All of this runs for roughly EUR 3/month.
Does open-banking.io see my Sparkasse Oberland login?
No. You authenticate directly on Sparkasse Oberland's consent screen, and your credentials never pass through open-banking.io.
How long does my Sparkasse Oberland connection last?
Up to 180 days per consent. After that, Sparkasse Oberland requires you to re-approve access from the dashboard.
Can I use one API key without my decryption key?
You can, but you'll only receive encrypted data. Readable results require the private key inside your credentials.json, which stays on your device.
Start linking Sparkasse Oberland today at https://open-banking.io.