Sparkasse Rottal-Inn API Access & Open Banking Guide

Reaching account data from Sparkasse Rottal-Inn no longer means wrestling with eIDAS certificates or a bank sandbox. open-banking.io gives you a single, standards-based path to your Sparkasse Rottal-Inn balances and transactions, covering both business and personal accounts (BIC BYLADEM1EGF). Everything is decrypted on your own device with a key only you hold, so the service itself never sees your finances in the clear.

How to connect Sparkasse Rottal-Inn

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

  1. Sign up for open-banking.io and open the dashboard.
  2. Set an encryption passphrase. Your key pair is generated locally on your device; open-banking.io only ever stores your public key.
  3. Pick Sparkasse Rottal-Inn from the bank list and choose the account type you need — business or personal.
  4. Approve on Sparkasse Rottal-Inn's own screen. You are redirected to the bank's secure login to grant PSD2 consent directly. open-banking.io never touches your online-banking credentials.
  5. Accounts sync back into your dashboard, ready to view. Your consent stays valid for up to 180 days before Sparkasse Rottal-Inn asks you to re-authorise.

Access your data

Once the connection exists, reading it programmatically is an optional developer step. From 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 you can 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 refresh connections you already approved — there is no connect command, because linking a bank always happens in the dashboard.

This is the zero-knowledge, certificate-free part that matters: an API key on its own returns only ciphertext. Without your private key, nobody — not even open-banking.io's servers — can turn it into readable data. All of this runs for around EUR 3 per month.

FAQ

Do I need an eIDAS certificate for Sparkasse Rottal-Inn?

No. open-banking.io handles the regulated PSD2 layer, so you approve access on the bank's login screen without any certificate setup.

Can I access business and personal accounts?

Yes. Sparkasse Rottal-Inn supports both account types (BIC BYLADEM1EGF); just choose the relevant one when you connect.

How long does access last?

Each consent runs up to 180 days. After that, a quick re-authorisation on Sparkasse Rottal-Inn's screen renews it.

Ready to start? Visit open-banking.io.