Raiffeisen Bank (Austria) API Access & Open Banking

Reaching your Raiffeisen Bank (Austria) accounts programmatically usually means wrestling with eIDAS certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of that. It gives you a single, privacy-first bridge to Raiffeisen Bank across the EU and UK — covering both business and personal accounts — without you ever holding a bank certificate or exposing your data to a third party. Whether you want to reconcile ledgers, build a dashboard, or simply pull balances, the path starts in your browser, not in a codebase.

How to connect Raiffeisen Bank

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally on your own device, so only you can ever unlock your data.
  2. In the dashboard, choose Raiffeisen Bank (Austria) and select the account type you need — business or personal.
  3. You are redirected to Raiffeisen Bank's own secure login, where you approve access on the bank's official PSD2 consent screen. Consent lasts up to 180 days, after which you simply re-approve.
  4. Your accounts sync straight into your open-banking.io dashboard, ready to view.

Raiffeisen Bank Austria does not publish a single public BIC for this purpose (BIC: n/a), so open-banking.io routes the connection for you automatically.

Access your data

Once Raiffeisen Bank is connected, developers can optionally read the data programmatically. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request authenticates with the X-Api-Key header, and every response is decrypted locally with your own key. There is no connect command — the CLI and SDK only read or sync connections you already established in the dashboard. An API key alone returns nothing but ciphertext without your private key.

This is what zero-knowledge means in practice: open-banking.io's servers store only your public key and can never read or decrypt your Raiffeisen Bank data. No certificates, no data exposure — all for around EUR 3/month.

Do I need a PSD2 certificate for Raiffeisen Bank?

No. open-banking.io is certificate-free; you only approve access on Raiffeisen Bank's own consent page.

Can open-banking.io see my Raiffeisen Bank transactions?

No. Data is decrypted locally with a key only you hold. The service stores just your public key.

How long does access to Raiffeisen Bank last?

Each consent is valid for up to 180 days for business and personal accounts, then you re-approve.

Ready to start? Visit open-banking.io.