Sparkasse Rhein-Maas API Access & Open Banking

Want programmatic reach into your Sparkasse Rhein-Maas accounts without wrestling with eIDAS certificates or a PSD2 sandbox? open-banking.io links your Sparkasse Rhein-Maas banking (BIC WELADED1KLE) to a single dashboard, covering both business and personal accounts. It spans 2,600+ EU and UK banks, and every figure that lands in your view is decrypted on your own device with a key nobody else — not even open-banking.io — can hold.

How to connect Sparkasse Rhein-Maas

Connecting happens entirely in the open-banking.io dashboard — there is no endpoint to call and no key to paste:

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your cryptographic keys are generated locally on your device, so the service only ever sees your public key.
  3. In the dashboard, choose Sparkasse Rhein-Maas and the account type you need — business or personal.
  4. You're redirected to Sparkasse Rhein-Maas's own secure login to approve access under PSD2. Your consent stays valid for up to 180 days before a quick renewal.
  5. Your approved accounts sync straight into your dashboard.

That's the whole flow — you authorise on the bank's screen, and open-banking.io never touches your Sparkasse Rhein-Maas credentials.

Access your data

Once a connection is live, developers can optionally read it programmatically. Open the Developers page, create an API key, and export a credentials.json — it 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 carry your key in the X-Api-Key header, and each response is decrypted locally with your private key. The CLI and SDK only read and sync connections you've already made in the dashboard — there is no connect command. Without your private key, an API key alone returns nothing but ciphertext.

All of this runs for around EUR 3/month, certificate-free and zero-knowledge by design.

Does open-banking.io store my Sparkasse Rhein-Maas login?

No. You authenticate on Sparkasse Rhein-Maas's own consent screen; open-banking.io never receives your banking credentials.

Can open-banking.io read my transactions?

No. Data is encrypted to your public key and only decrypts locally with the private key you alone control.

How long does access last?

Sparkasse Rhein-Maas consent runs up to 180 days, after which a brief re-approval keeps your sync active.

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