Stadtsparkasse Augsburg Open Banking & API Access

Reaching your Stadtsparkasse Augsburg account data no longer means wrestling with eIDAS certificates or a bank-by-bank sandbox. open-banking.io gives you one dashboard that speaks PSD2 to Stadtsparkasse Augsburg (BIC AUGSDE77XXX) on your behalf, covering both business and personal accounts. Balances and transactions flow into a single place, and — because the platform is zero-knowledge — they are decrypted only on your own device with a key that never leaves it.

How to connect Stadtsparkasse Augsburg

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated locally on your device, so only you can later unlock the data.
  2. In the dashboard, pick Stadtsparkasse Augsburg from the bank list and choose the account type you want to link — business or personal.
  3. You are redirected to Stadtsparkasse Augsburg's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into the dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

Nothing about your credentials passes through open-banking.io — authentication stays between you and Stadtsparkasse Augsburg.

Access your data

Once the 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 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 API key alone only ever returns ciphertext; without your private key, no one — not even open-banking.io's servers — can read it. The CLI and SDKs read and sync existing connections; they never create one.

The result is certificate-free access at around EUR 3/month, with the privacy guarantee baked in at the cryptography level rather than promised in a policy.

Is a certificate or PSD2 licence required?

No. open-banking.io handles the regulated connectivity, so you never register for an eIDAS certificate or bank developer programme.

Which Stadtsparkasse Augsburg accounts are supported?

Both business and personal accounts held at Stadtsparkasse Augsburg (BIC AUGSDE77XXX) can be linked and synced.

How long does access last before I re-authorise?

Each consent runs for up to 180 days. When it expires, you re-approve on Stadtsparkasse Augsburg's own consent screen from the dashboard.

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