Raiffeisenbank Bad Kötzting API Access & Open Banking

Reaching account data at Raiffeisenbank Bad Kötzting eG no longer means wrestling with PSD2 certificates or building your own bank connector. open-banking.io gives you a single, private route to your Raiffeisenbank Bad Kötzting balances and transactions — covering both business and personal accounts (BIC GENODEF1KTZ) — as part of a network of 2,600+ EU and UK banks. Everything is decrypted locally with a key only you hold, so the service itself never sees your data in the clear.

How to connect Raiffeisenbank Bad Kötzting

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in linking your bank:

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated on your own device; open-banking.io only ever stores your public key.
  3. Pick Raiffeisenbank Bad Kötzting in the dashboard and choose the account type — business or personal.
  4. Approve on the bank's own screen. You are redirected to Raiffeisenbank Bad Kötzting's secure login to grant PSD2 consent directly to them.
  5. Your accounts sync back into the dashboard, ready to view.

Consent lasts up to 180 days, after which you simply re-approve on the bank's login to keep the connection active.

Access your data

Once a connection exists, developers can optionally read it programmatically. From 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 your key in the X-Api-Key header, and each response is decrypted locally on your machine. An API key alone only ever returns ciphertext — without your private key, nothing is readable.

The design is deliberately zero-knowledge and certificate-free: no eIDAS certificate to obtain, no server that can decrypt your statements. All of this runs for roughly EUR 3 per month.

Do I need a developer account to connect?

No. Linking Raiffeisenbank Bad Kötzting is done in the dashboard. The API key and CLI are only for reading data after the connection is live.

Can open-banking.io see my transactions?

No. It holds only your public key. Data is decrypted on your device with a private key that never leaves it.

Which accounts are supported?

Both business and personal Raiffeisenbank Bad Kötzting accounts under BIC GENODEF1KTZ, with consent valid for up to 180 days.

Get started at open-banking.io.