Klim Sparekasse API Access & Open Banking Data

Reaching your Klim Sparekasse accounts programmatically no longer means chasing certificates, sandbox registrations, or bank-specific PSD2 paperwork. open-banking.io gives you one place to authorise Klim Sparekasse and then read the resulting account and transaction data through a clean, consistent interface. It covers 2,600+ banks across the EU and UK, and everything you retrieve is decrypted on your own device with a key only you hold.

Klim Sparekasse supports both business and personal account types. Access is granted under PSD2 consent for up to 180 days, after which you simply re-approve. No public BIC is listed for this bank, so open-banking.io routes you by name rather than by identifier.

How to connect Klim Sparekasse

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally on your device.
  2. In the dashboard, search for and select Klim Sparekasse, then choose whether you're linking a business or personal account.
  3. You're redirected to Klim Sparekasse's own secure login, where you approve access on the bank's consent screen — your credentials are only ever seen by the bank.
  4. Once approved, your accounts sync back into your open-banking.io dashboard, ready to view.

Access your data

Reading the data programmatically is an optional developer step you take after the connection exists. From 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. Because open-banking.io is zero-knowledge and holds only your public key, an API key alone returns ciphertext — readable data requires your private key.

The service is certificate-free and costs roughly EUR 3/month.

Do I need an API key to connect Klim Sparekasse?

No. Connecting is done in the dashboard by approving consent on Klim Sparekasse's own login. API keys are only for reading data afterwards.

Can open-banking.io see my Klim Sparekasse data?

No. Data is decrypted on your device with a key only you hold. The servers store just your public key.

How long does access last?

Klim Sparekasse grants consent for up to 180 days, then you re-approve from the dashboard.

Start at open-banking.io.