Stadtsparkasse Oberhausen API Access & Open Banking

Reaching your Stadtsparkasse Oberhausen accounts programmatically usually means TPP licences, eIDAS certificates and a stack of PSD2 paperwork. open-banking.io removes all of that. It links your Stadtsparkasse Oberhausen accounts (BIC WELADED1OBH) — business or personal — through the bank's regulated open-banking channel, then hands you clean, locally decrypted data. There are no certificates to buy and no gateway to operate, just a dashboard and, if you want it, a developer toolchain.

The design is zero-knowledge from the start. When you sign up you set an encryption passphrase, and the keys are generated on your own device. open-banking.io stores only your public key, so its servers can hold your Stadtsparkasse Oberhausen records only as ciphertext they cannot read. Decryption happens where you are, never on the platform.

How to connect Stadtsparkasse Oberhausen

Connecting happens entirely inside the open-banking.io dashboard — no code, no API call, no key exchange:

  1. Create an account and set your encryption passphrase (your private key stays on your device).
  2. In the dashboard, choose Stadtsparkasse Oberhausen and select the account type you need — business or personal.
  3. You are redirected to Stadtsparkasse Oberhausen's own secure login, where you approve access under PSD2 consent.
  4. Control returns to your dashboard and your accounts begin to sync.

Consent lasts up to 180 days, after which you simply repeat the approval on the bank's screen to keep the connection live.

Access your data

Programmatic access is an optional step for developers, taken only after a connection exists. On the Developers page you create an API key and export a credentials.json that bundles that key with your private decryption key. From there use the CLI — openbanking accounts, openbanking transactions, openbanking sync — or 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 approved; they never create one. And an API key alone returns nothing readable — without your private key you only ever see ciphertext.

All of this runs at around EUR 3 per month, with no per-call fees or certificate costs.

Does open-banking.io need an eIDAS certificate?

No. The service carries the regulatory layer for you, so you connect Stadtsparkasse Oberhausen without any certificate of your own.

Can open-banking.io read my Stadtsparkasse Oberhausen data?

No. It holds only your public key and stores encrypted data; decryption occurs on your device with a key only you possess.

How long does access to Stadtsparkasse Oberhausen last?

Up to 180 days per consent. Re-approve on the bank's login screen to renew.

Start at open-banking.io.