Sydbank Germany API Access & Open Banking

Getting programmatic access to your Sydbank accounts in Germany normally means eIDAS certificates and PSD2 paperwork. open-banking.io skips all of that. You link Sydbank's German branch (BIC SYBKDE22XXX) once and your balances and transactions sync into a single dashboard, ready to read whenever you need them. Both business and personal accounts are covered, and each consent stays valid for up to 180 days before Sydbank asks you to re-approve.

Everything is zero-knowledge: your data is encrypted with a key generated on your own device, and open-banking.io's servers hold only your public key — they can never read or decrypt a single transaction.

How to connect Sydbank

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

  1. Sign up for open-banking.io and set your encryption passphrase — your private decryption key is created locally and never leaves your device.
  2. In the dashboard, search for Sydbank (Germany) and pick the account type you want to link, business or personal.
  3. You're redirected to Sydbank's own secure login, where you approve access under PSD2 consent on the bank's screen.
  4. Once approved, your accounts sync back into your dashboard and keep refreshing automatically.

No certificates to buy, no bank-side developer onboarding.

Access your data

Reading Sydbank 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 your 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 directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key, it stays unreadable.

All of this runs on one flat subscription of about EUR 3/month, covering Sydbank and 2,600+ other EU and UK banks.

FAQ

Can open-banking.io read my Sydbank data?

No. The service is zero-knowledge and stores only your public key. Decryption always happens on your device with a key that never leaves it.

Do I need an eIDAS certificate to connect Sydbank?

No. open-banking.io is certificate-free. You approve access directly on Sydbank's own consent screen — nothing to register or purchase.

How often do I re-approve access?

Sydbank grants consent for up to 180 days. After that window, you simply reauthorise from the dashboard to keep both your business and personal accounts syncing.

Ready to start? Visit open-banking.io.