Sparkasse Unstrut-Hainich API Access & Open Banking

Sparkasse Unstrut-Hainich serves the Mühlhausen region of Thuringia, and open-banking.io lets you reach your account data there without certificates, screen-scraping, or a bank-side developer programme. Both business and personal accounts are supported, identified by BIC HELADEF1MUE, and a single consent covers balances and transaction history for up to 180 days before you renew it.

The service is zero-knowledge by design. When you sign up you set an encryption passphrase, and the keys derived from it are generated on your own device. open-banking.io stores only your public key, so its servers move ciphertext they can never read — the plaintext of your Sparkasse Unstrut-Hainich statements only ever exists on your machine.

How to connect Sparkasse Unstrut-Hainich

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

  1. Create an account and set your encryption passphrase; your private key stays local.
  2. In the dashboard, search for Sparkasse Unstrut-Hainich and choose the account type (business or personal).
  3. You are redirected to Sparkasse Unstrut-Hainich's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into the dashboard and refresh automatically within the 180-day window.

Your credentials are only ever entered on the bank's site, never on open-banking.io.

Access your data

Reading the data programmatically is an optional step you take after the connection exists. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key it stays unreadable. Note that the CLI and SDK read and sync connections you already made in the dashboard; they cannot create a new bank connection.

All of this runs for around EUR 3/month.

Does open-banking.io see my Sparkasse Unstrut-Hainich data?

No. It holds only your public key and stores encrypted blobs; decryption happens on your device.

Do I need a certificate or bank agreement?

No. It is certificate-free — you approve access on the bank's consent screen and that is enough.

How long does access last?

Up to 180 days per consent for Sparkasse Unstrut-Hainich, after which you re-approve.

Start at open-banking.io.