Sparkasse Passau API Access & Open Banking Data

Reading data from Sparkasse Passau shouldn't mean building your own PSD2 stack, chasing eIDAS certificates, or trusting a middleman with your finances. open-banking.io links your Sparkasse Passau accounts to a single dashboard and keeps every byte encrypted under a key that never leaves your device. It covers 2,600+ EU and UK banks, so Sparkasse Passau sits alongside the rest of your institutions in one place.

Both business and personal accounts at Sparkasse Passau (BIC BYLADEM1PAS) are supported. A single approval grants up to 180 days of access before Sparkasse Passau asks you to re-confirm — the maximum window PSD2 allows.

How to connect Sparkasse Passau

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 your encryption passphrase. Your cryptographic keys are generated locally on your own device.
  2. In the dashboard, search for Sparkasse Passau and choose the account type you want to link — business or personal.
  3. You're redirected to Sparkasse Passau's own secure login, where you approve access on the bank's official consent screen.
  4. Your accounts and transactions sync back into your dashboard, ready to view.

Because you authenticate directly with Sparkasse Passau, open-banking.io never sees your banking credentials.

Access your data

Already connected and want to pull data programmatically? That's an optional developer step. 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), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you've already made — they never establish new ones.

open-banking.io is zero-knowledge: the servers hold only your public key and store your data as ciphertext they cannot read. It's certificate-free, and it costs about EUR 3/month.

Is an API key enough to read my Sparkasse Passau data?

No. An API key alone returns only ciphertext. Readable data requires your private decryption key, which stays on your device.

Can open-banking.io see my Sparkasse Passau transactions?

No. Decryption happens locally under a key only you hold, so the service only ever handles encrypted data.

Up to 180 days per approval, after which Sparkasse Passau prompts you to re-authorize.

Start at open-banking.io.