Bank AI
Get the app

Sparkasse — Sparkassen-Finanzgruppe is Germany's largest banking group by branch count, with ~370 regional public savings banks supervised by BaFin and at the group level by the ECB.

HQ
Regional / Berlin (DSGV umbrella)
Customers
50M+ retail customers across the Sparkassen-Finanzgruppe
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Sparkasse current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Sparkasse are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Sparkasse account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • REWE
  • EDEKA
  • Lidl
  • Aldi
  • dm
  • Rossmann
  • Deutsche Bahn
  • Amazon

Detected subscriptions

  • Netflix
  • Spotify
  • Disney+
  • DAZN
  • Telekom
  • Sky Deutschland

  • How much sits across my Sparkasse Girokonto and Tagesgeld today?
  • Compare my Sparkassen-Kreditkarte spend with my other German bank.
  • List every recurring Telekom, Sky Deutschland and DAZN payment on my Sparkasse account.
  • What's the next direct debit due on my Sparkasse account?

Does Bank AI move money on my Sparkasse account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Sparkasse. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Sparkasse app.

How does Bank AI connect to Sparkasse?

Sparkasse exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Which specific Sparkasse will Bank AI connect to?

Bank AI's PSD2 partners cover the major regional Sparkassen (Berlin, Munich, Hamburg, Frankfurt, Cologne, etc.). When you start a connection you pick your specific Sparkasse from a searchable list. We never auto-connect to the wrong regional entity.

Does Bank AI read my Sparkasse Tagesgeld and Sparkonto?

Yes. Tagesgeld, Festgeld, Sparkonten and the Pramiensparen variants are read as distinct sub-balances under your Sparkasse connection, with rates surfaced where exposed.

What about my Sparkassen-Kreditkarte?

The Sparkasse credit card (typically Mastercard or Visa, depending on regional issue) is read as its own facility under your Sparkasse connection, with statement balances and the next direct-debit settlement date surfaced.

What happens if Sparkasse raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Sparkasse-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

Get the app