Raiffeisenbank Gmund am Tegernsee Open Banking API

Pulling account and transaction data out of Raiffeisenbank Gmund am Tegernsee normally means wrestling with certificates, PSD2 registration and TPP paperwork. open-banking.io removes all of that. It is a zero-knowledge, certificate-free gateway to 2,600+ EU and UK banks, so you can reach your Raiffeisenbank Gmund am Tegernsee (BIC GENODEF1GMU) data — business or personal accounts — without ever managing a single eIDAS certificate.

Every byte is encrypted on your own device with a key only you hold. open-banking.io stores only your public key, meaning its servers can never read or decrypt your statements. You stay in control while still getting clean, structured access to your finances.

How to connect Raiffeisenbank Gmund am Tegernsee

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 open the web dashboard.
  2. Set your encryption passphrase. Your keys are generated locally on your device, so nobody else — not even open-banking.io — can access them.
  3. In the dashboard, pick Raiffeisenbank Gmund am Tegernsee and choose the account type you need (business or personal).
  4. You are redirected to Raiffeisenbank Gmund am Tegernsee's own secure login and consent screen, where you approve access under PSD2. Consent lasts up to 180 days before you renew it.
  5. Your accounts then sync straight into your dashboard.

Access your data

Reading the data programmatically is an optional developer step you take after the bank is connected. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key it stays unreadable, which is what makes the whole system genuinely zero-knowledge.

All of this runs for roughly EUR 3 per month.

Do I need a PSD2 certificate for Raiffeisenbank Gmund am Tegernsee?

No. open-banking.io is certificate-free. You approve access on Raiffeisenbank Gmund am Tegernsee's own consent screen and never handle eIDAS certificates.

Can open-banking.io read my Raiffeisenbank Gmund am Tegernsee data?

No. Data is decrypted only on your device with a key you alone hold. The servers store just your public key, so they only ever see ciphertext.

Raiffeisenbank Gmund am Tegernsee grants access for up to 180 days per PSD2, after which you simply re-approve from the dashboard.

Ready to start? Visit open-banking.io.