Sparkasse Regensburg API Access & Open Banking Data

Pulling account and transaction data from Sparkasse Regensburg no longer means chasing certificates or building against a raw PSD2 gateway. open-banking.io gives you a single, certificate-free path to your Regensburg accounts — business and personal alike — and keeps you in control of the data the whole way through. Everything is decrypted locally with a key that never leaves your device, so the service itself only ever holds your public key.

How to connect Sparkasse Regensburg

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 an open-banking.io account.
  2. Set your encryption passphrase. Your key pair is generated right there on your own device, so nobody else can read your data later.
  3. Pick Sparkasse Regensburg (BIC BYLADEM1RBG) in the dashboard and choose the account type you need — business or personal.
  4. Approve on Sparkasse Regensburg's own login. You're redirected to the bank's secure consent screen, where you authenticate and grant PSD2 access directly with the bank. Consent lasts up to 180 days before you renew.
  5. Your accounts sync back into the dashboard, ready to view.

Access your data

Once a connection exists, reading it programmatically is 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:

  • Run the CLI: openbanking accounts, openbanking transactions, or openbanking sync.
  • Or call the REST API / SDK, passing your key in the X-Api-Key header.

Every response is decrypted locally with your private key. The API key alone only ever returns ciphertext — proof the zero-knowledge model holds even for automated access. Note the CLI and SDK only read and sync connections you've already approved in the dashboard; there is no connect command.

FAQ

Does open-banking.io see my Sparkasse Regensburg data?

No. It stores only your public key, so it physically cannot decrypt your accounts or transactions — decryption happens on your device.

What does it cost?

Around EUR 3 per month for access to Sparkasse Regensburg and 2,600+ other EU/UK banks.

How long does access to my account last?

Sparkasse Regensburg grants consent for up to 180 days, after which you re-approve on the bank's login screen.

Start at open-banking.io.