--- title: "Sparkasse (FinTS) API: connect it to your AI chat ยท Hypamoon" description: "The Sparkasse (FinTS) API is documented, but access goes through Sparkasse first. What it takes to connect it to your AI chat with Hypamoon, with sources." url: https://hypamoon.com/connect-to/sparkasse --- 1. [Connect to](https://hypamoon.com/connect-to) 2. Sparkasse (FinTS) Payments and billing # Connect Sparkasse (FinTS) to Hypamoon Possible, with help from Sparkasse (FinTS). The API is documented, but you cannot just create a key: access goes through Sparkasse (FinTS) first. Possible ## The check Three questions about the API of Sparkasse (FinTS), answered from its own docs. **Public API docs**\ **Yes.** FinTS, the German banking standard Sparkassen support, is published as an open specification by the German banking industry. [Read the docs](https://www.fints.org/de/spezifikation) **A key you create yourself**\ **No.** Since 1 August 2019 only registered products get FinTS access; the product registration is requested on paper and usually takes 10 to 15 working days. [fints.org](https://www.fints.org/de/hersteller/produktregistrierung) **Versions or a changelog**\ **Yes.** Versioned specification: FinTS 3.0 is the established version, 4.1 the newest. [fints.org](https://www.fints.org/de/spezifikation) **How it signs in**\ FinTS with your online banking login and PIN, confirmed with a TAN, sent together with a registered FinTS product number. **Webhooks**\ **No.** [fints.org](https://www.fints.org/de/spezifikation) **Hosting**\ Cloud **Condition**\ FinTS access needs a product registration with the German banking industry. Larger business customers use EBICS, which needs a separate EBICS agreement with their Sparkasse. PSD2 APIs need a licence as a third party provider and an eIDAS certificate; a normal company uses an aggregator. ## Your own payments overview on your Sparkasse account, from the statements you already get. - Balances and transactions over FinTS, once the product registration is in place. - AI that matches incoming payments to open invoices, with your team approving every match. ### Ask your chat Answers straight from your Sparkasse (FinTS) data, in Claude or another chat with the full Hypamoon connection. - Which invoices have been paid since last Friday? - What did we pay to suppliers this month? ### On a schedule Sparkasse (FinTS) has no webhooks, so an agent checks every 15 minutes and decides what happens next. 1. Every 15 minutes The morning statement fetch finds new transactions. AI decides AI proposes which invoice each incoming payment settles. Then Your team gets an email with the matches to approve. ### A screen for your team or customers An app on your own address, with sign-in, on top of the same Sparkasse (FinTS) data. - For your team A screen with open invoices and the payments that came in against them. Sparkasse (FinTS) stays the core: your chat builds the rest on its API, as an adapter plus an app and agents in your Hypamoon project. Reading starts after you click Allow in the portal. Every change an agent or a chat makes in Sparkasse (FinTS) waits for your approval, one call at a time. [How adapters work](https://hypamoon.com/docs/adapters) ### Good to know - FinTS is a polling protocol, so new transactions are fetched on a schedule. Each Sparkasse is its own bank with its own FinTS server address. ## Try it in your chat First get access from Sparkasse (FinTS). Then fill in what to read and write, and send it. Say this in your chat > Build the Hypamoon recipe build-an-adapter for Sparkasse (FinTS). API docs: https://www.fints.org/de/spezifikation. Read: \[what\]. Write: \[what, or nothing\]. [Open in Claude](https://claude.ai/new?q=Build%20the%20Hypamoon%20recipe%20build-an-adapter%20for%20Sparkasse%20(FinTS%29.%20API%20docs%3A%20https%3A%2F%2Fwww.fints.org%2Fde%2Fspezifikation.%20Read%3A%20%5Bwhat%5D.%20Write%3A%20%5Bwhat%2C%20or%20nothing%5D.) In Claude, or another chat with the full Hypamoon connection; adapters are not in ChatGPT yet. You paste the key in the portal, never in the chat. [The full recipe](https://hypamoon.com/r/build-an-adapter) ## Sources Checked on 7 November 2026. - [www.fints.org/de/spezifikation](https://www.fints.org/de/spezifikation) - [www.fints.org/de/hersteller/produktregistrierung](https://www.fints.org/de/hersteller/produktregistrierung) Sparkasse (FinTS) is a name of its owner, used here only to describe the software. This page is not an official integration and Hypamoon has no partnership with Sparkasse (FinTS). Found something that changed? 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Ask the chat to check its API. The same three checks work for any software. Your chat reads the vendor's own docs and tells you what it found. Say this in your chat > Check if \[software\] has an open API that a Hypamoon adapter can use: public API docs, a key or token I can create myself without asking the vendor, and versions or a changelog. Link the pages you used. [Open in Claude](https://claude.ai/new?q=Check%20if%20%5Bsoftware%5D%20has%20an%20open%20API%20that%20a%20Hypamoon%20adapter%20can%20use%3A%20public%20API%20docs%2C%20a%20key%20or%20token%20I%20can%20create%20myself%20without%20asking%20the%20vendor%2C%20and%20versions%20or%20a%20changelog.%20Link%20the%20pages%20you%20used.) [Open in ChatGPT](https://chatgpt.com/?q=Check%20if%20%5Bsoftware%5D%20has%20an%20open%20API%20that%20a%20Hypamoon%20adapter%20can%20use%3A%20public%20API%20docs%2C%20a%20key%20or%20token%20I%20can%20create%20myself%20without%20asking%20the%20vendor%2C%20and%20versions%20or%20a%20changelog.%20Link%20the%20pages%20you%20used.) Fill in the name of your software. Checking needs no connection to Hypamoon. ## Ready to connect Sparkasse (FinTS)? Connect your chat once, then ask it to build the adapter. [Start free](https://app.hypamoon.com/?mode=signup&utm_source=connect-to&utm_campaign=sparkasse) Works in Claude, ChatGPT and Copilot. [Add to Claude](https://hypamoon.com/connect?via=connect-to~sparkasse#claude) [Add to ChatGPT](https://hypamoon.com/connect?via=connect-to~sparkasse#chatgpt) [Add to Copilot](https://hypamoon.com/docs/microsoft-copilot)