Sparkasse UnnaKamen Open Banking & API Access

Sparkasse UnnaKamen (BIC WELADED1UNN) serves the Unna and Kamen area of North Rhine-Westphalia, and its business and personal accounts are reachable through open-banking.io. Instead of chasing PSD2 certificates or building a bank-specific integration, you connect once in the dashboard and your balances and transactions become available to read whenever you need them — in a spreadsheet, a script, or your own app.

open-banking.io is a certificate-free EU/UK open-banking service covering 2,600+ banks. It is zero-knowledge: your data is encrypted on your own device with a key only you hold, so the platform stores nothing it can read.

How to connect Sparkasse UnnaKamen

Connecting happens entirely in 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 an encryption passphrase. Your keys are generated locally on your device; open-banking.io only ever sees your public key.
  3. In the dashboard, pick Sparkasse UnnaKamen and choose the account type you want — business or personal.
  4. You are redirected to Sparkasse UnnaKamen's own secure login to approve access (standard PSD2 consent), valid for up to 180 days.
  5. Once approved, your accounts sync back into your dashboard.

That's the whole flow. You review the accounts, transactions and balances directly in the web app — no development work required.

Access your data

Developers can optionally read the connected data programmatically. 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 already made in the dashboard — they never connect a bank themselves. An API key alone returns ciphertext; without your private key it stays unreadable, which is what keeps the whole thing zero-knowledge.

All of this runs for around EUR 3/month.

Do I need an eIDAS certificate for Sparkasse UnnaKamen?

No. open-banking.io is certificate-free — you approve access on the bank's own consent screen and skip the PSD2 licensing overhead.

How long does access last?

Sparkasse UnnaKamen grants consent for up to 180 days, after which you simply re-approve from the dashboard.

Can open-banking.io read my Sparkasse UnnaKamen data?

No. Decryption keys live only on your device. The servers hold your public key and encrypted blobs — nothing they can open.

Get started at open-banking.io.