Sparkasse Regen-Viechtach API Access & Open Banking

Reaching your Sparkasse Regen-Viechtach account data no longer means building against a raw PSD2 gateway or juggling eIDAS certificates. open-banking.io gives you a single, certificate-free path to your Bavarian Sparkasse: personal and business accounts alike sync into one dashboard, and every figure is decrypted on your own device with a key only you hold. The bank's BIC is BYLADEM1REG, and a single consent keeps your connection live for up to 180 days before you re-approve.

How to connect Sparkasse Regen-Viechtach

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in linking your account.

  1. Sign up for open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally on your device; open-banking.io only ever sees your public key.
  2. In the dashboard, pick Sparkasse Regen-Viechtach and choose the account type you want — business or personal.
  3. You are redirected to Sparkasse Regen-Viechtach's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts and transactions sync back into your dashboard, ready to view.

Because consent lasts up to 180 days, you approve once and let the data flow until renewal.

Access your data

Once your Sparkasse Regen-Viechtach connection is live, reading it programmatically is an optional developer step. From the Developers page, create an API key and export a credentials.json — this bundles your 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. The API key alone only ever returns ciphertext — without your private key, the data stays unreadable, which is what makes the service genuinely zero-knowledge.

All of this runs at around EUR 3/month, with no certificates to procure and no per-bank contracts to negotiate.

Do I need an eIDAS certificate for Sparkasse Regen-Viechtach?

No. open-banking.io is certificate-free — you connect through the dashboard and approve access on the bank's own consent screen.

Can open-banking.io read my Sparkasse Regen-Viechtach data?

No. It holds only your public key. Decryption happens on your device with a private key that never leaves it.

Does the CLI connect my account?

No. The CLI and SDKs only read and sync connections you have already made in the dashboard — there is no connect command.

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