Raiffeisen Spar+Kreditbank Open Banking & API Access

Reaching your Raiffeisen Spar+Kreditbank accounts programmatically usually means wrestling with PSD2 certificates and sandbox paperwork. open-banking.io removes that friction. It gives you a single, secure route to your Raiffeisen Spar+Kreditbank data (BIC GENODEF1LAU) for both business and personal accounts — with the important detail that everything is decrypted on your own device using a key only you hold. open-banking.io itself is zero-knowledge and stores only your public key, so it can never read your balances or transactions.

How to connect Raiffeisen Spar+Kreditbank

Connecting happens entirely in 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. Your key pair is generated locally on your device.
  2. In the dashboard, search for Raiffeisen Spar+Kreditbank and choose the account type you want to link (business or personal).
  3. You are redirected to Raiffeisen Spar+Kreditbank's own secure login, where you approve access under PSD2 consent — your credentials are only ever entered on the bank's site.
  4. Your approved accounts sync back into the open-banking.io dashboard. Consent lasts up to 180 days, after which you simply re-approve.

Access your data

Once the connection exists, developers can optionally read the data programmatically. On the Developers page, create an API key and export a credentials.json file — this bundles the 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard — there is no connect command.

Because the API key alone returns nothing but ciphertext, even a leaked key exposes no readable data without your private key. Certificate-free access and this zero-knowledge model come at roughly EUR 3/month, covering 2,600+ EU/UK banks.

Do I need a PSD2 certificate for Raiffeisen Spar+Kreditbank?

No. open-banking.io handles the regulated connection, so you never register your own certificate or eIDAS credentials.

Can open-banking.io see my Raiffeisen Spar+Kreditbank transactions?

No. Data is encrypted to your key and decrypted only on your device. The service holds just your public key.

How long does access stay active?

Up to 180 days per consent. When it expires, re-approve on Raiffeisen Spar+Kreditbank's login screen to continue syncing.

Start at https://open-banking.io.