Raiffeisenbank Chiemgau-Nord-Obing Open Banking API

Reaching account data from Raiffeisenbank Chiemgau-Nord-Obing (BIC GENODEF1SBC) used to mean eIDAS certificates, sandbox registration and a PSD2 compliance stack. open-banking.io removes all of it. You get a single dashboard that connects to the bank on your behalf and streams balances and transactions into a place only you can decrypt. Both business and personal accounts are supported, and each PSD2 consent lasts up to 180 days before you re-approve.

The defining trait is that open-banking.io never sees your financial data in the clear. Encryption keys are generated on your own device, so the service stores only your public key. Everything you read back is unlocked locally.

How to connect Raiffeisenbank Chiemgau-Nord-Obing

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is created right there on your device.
  2. In the dashboard, search for Raiffeisenbank Chiemgau-Nord-Obing and choose the account type you need — business or personal.
  3. You are redirected to Raiffeisenbank Chiemgau-Nord-Obing's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into the dashboard automatically and stay updated for the life of the consent.

No certificate, no bank onboarding paperwork, no developer redirect for the account holder.

Access your data

Programmatic access is an optional step you take after the connection above already exists. 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 directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your key. The CLI and SDK only read and sync connections that already exist — they never establish one.

Because open-banking.io is zero-knowledge, an API key on its own returns only ciphertext; without your private key the data stays unreadable, even to open-banking.io's servers. All of this runs for roughly EUR 3 per month.

Do I need an eIDAS certificate for Raiffeisenbank Chiemgau-Nord-Obing?

No. open-banking.io is certificate-free — you connect through the dashboard and approve on the bank's consent screen.

Can open-banking.io read my Raiffeisenbank Chiemgau-Nord-Obing transactions?

No. It holds only your public key. Decryption happens on your device, so the service sees ciphertext.

How long does access to Raiffeisenbank Chiemgau-Nord-Obing last?

Up to 180 days per consent. After that you re-approve on the bank's login to keep your accounts syncing.

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