Online banking with Kreissparkasse München

Actually, getting Gnucash to work with online banking has become pretty easy (by linux standards). Install gnucash with the hbci use flag enabled. It will pull in aqbanking, which needs to have qt3 enabled, or otherwise you won't get a wizard.

Start gnucash, add your desired accounts. Then start Tools/Online Banking Setup. You will get a wizard. Create a new user, select the HBCI backend, use Setup PIN/TAN. Then, enter bank code (70250150 for Kreissparkasse München-Starnberg), and the server (which you will find somewhere in the documents you received). The server is https://hbci-pintan-by.s-hbci.de/PinTanServlet for Kreissparkasse München-Starnberg. The User ID is the account number for the Sparkasse, a customer ID is not required.

Okay, the rest is pretty self-explanatory, just click through, enter your PIN. Finally, assign your accounts to the respective gnucash accounts, and you're done. Even transfers work from inside gnucash.