Raiffeisen - meine Bank Open Banking & API Access

Reaching your Raiffeisen - meine Bank accounts programmatically usually means wrestling with PSD2 certificates and eIDAS licensing. open-banking.io removes that barrier. It is a zero-knowledge, certificate-free gateway to 2,600+ banks across the EU and UK, and it treats Raiffeisen - meine Bank (BIC GENODEF1FYS) as a first-class connection — covering both business and personal accounts, with consent valid for up to 180 days before you re-approve.

The defining trait is privacy. Your encryption keys are generated on your own device from a passphrase only you know. open-banking.io stores nothing but your public key, so account balances and transactions stay ciphertext on the server and become readable only after they are decrypted locally on your machine.

How to connect Raiffeisen - meine Bank

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

  1. Sign up for open-banking.io and set your encryption passphrase. This generates your personal key pair on your device.
  2. In the dashboard, choose Raiffeisen - meine Bank and select the account type you need — business or personal.
  3. You are redirected to Raiffeisen - meine Bank's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your selected accounts sync back into your open-banking.io dashboard automatically.

That consent stays live for up to 180 days, after which you simply repeat the approval on the bank's screen.

Access your data

When a connection exists, developers can optionally read it programmatically. On 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections that already exist — they never create one. And an API key alone yields only ciphertext; without your private key the data stays unreadable.

All of this runs for around EUR 3/month.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you connect through the dashboard and the bank's consent screen, nothing more.

Can open-banking.io read my Raiffeisen - meine Bank data?

No. It holds only your public key. Data is decrypted on your device, so the service never sees your transactions in the clear.

Does the CLI connect my bank?

No. Connecting is a dashboard-only step. The CLI, SDK, and API only read or sync accounts you have already linked.

Start at open-banking.io.