Raiffeisenbank Fränkische Schweiz API & Open Banking Access

Reaching account data at Raiffeisenbank Fränkische Schweiz normally means logging into online banking by hand. open-banking.io turns that same PSD2 access into a steady, structured feed you control — balances and transactions from your business and personal accounts, synced into one dashboard and decrypted only on your own device. There is no certificate to buy, no bank sandbox to negotiate, and no server that can read your data: open-banking.io holds only your public key, so everything is unlocked locally with a key that never leaves you.

The bank sits in the Franconian cooperative network (BIC GENODEF1HWA), and both business and personal account types are supported. Each consent you grant lasts up to 180 days before Raiffeisenbank Fränkische Schweiz asks you to re-approve, in line with PSD2 rules.

How to connect Raiffeisenbank Fränkische Schweiz

Connecting happens entirely inside the open-banking.io dashboard — not through any API call or key.

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated on your own device at this step.
  2. In the dashboard, pick Raiffeisenbank Fränkische Schweiz and choose the account type (business or personal).
  3. You are redirected to Raiffeisenbank Fränkische Schweiz's own secure login to approve access on the bank's consent screen.
  4. Once approved, your accounts sync back into the dashboard automatically.

That's the whole flow. No code, no redirect you have to build, and no credentials shared with anyone but the bank.

Access your data

After 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 directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key, nobody, including open-banking.io, can read it.

All of this runs on a single flat plan of roughly EUR 3/month, covering 2,600+ EU and UK banks.

Does open-banking.io ever see my account data?

No. It is zero-knowledge and holds only your public key; decryption happens on your device.

Can I connect the bank from the CLI?

No. The CLI and SDK only read or sync existing connections — connecting always happens in the dashboard.

How long does access last?

Up to 180 days per consent, after which you re-approve on the bank's screen.

Start at open-banking.io.