Stadtsparkasse Bocholt API & open banking access

Reaching your Stadtsparkasse Bocholt accounts programmatically usually means chasing eIDAS certificates and a regulated PSD2 gateway. open-banking.io removes that: it covers 2,600+ EU and UK banks, including Stadtsparkasse Bocholt (BIC WELADED1BOH), with no certificates to buy and no bank-side onboarding. Both business and personal accounts are supported, and every consent runs for up to 180 days before you re-approve.

The design is zero-knowledge. Your encryption keys are generated on your own device, and open-banking.io only ever holds your public key — so account balances and transactions are decrypted locally, by you, and never in readable form on any server.

How to connect Stadtsparkasse Bocholt

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

  1. Sign up for open-banking.io and set your encryption passphrase. This generates your personal key pair locally.
  2. In the dashboard, search for and select Stadtsparkasse Bocholt, then choose the account type you need — business or personal.
  3. You are redirected to Stadtsparkasse Bocholt's own secure login, where you approve access under PSD2 (valid for up to 180 days).
  4. Once approved, your accounts sync back into the dashboard automatically.

That's the whole connection. No developer redirect, no client secret, nothing to configure on the bank's side.

Access your data

Reading the data in code is an optional step you take after connecting. 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your key. An API key on its own only ever returns ciphertext — the private key that lives with you is what makes it readable.

All of this runs for around EUR 3/month.

Do I need a PSD2 certificate for Stadtsparkasse Bocholt?

No. open-banking.io is certificate-free — you approve access on the bank's login screen and nothing more is required from you.

Can open-banking.io see my Stadtsparkasse Bocholt transactions?

No. It stores only your public key, so data is decrypted solely on your device.

How often do I re-authorise?

Stadtsparkasse Bocholt consents last up to 180 days, after which you re-approve on the bank's login.

Start at open-banking.io.