Raiffeisenbank Grainet Open Banking & API Access

Reaching your Raiffeisenbank Grainet account data no longer means wrestling with PSD2 certificates or bank-specific sandboxes. open-banking.io gives you one consistent, privacy-first path to your Grainet accounts (BIC GENODEF1GRT) alongside 2,600+ other EU and UK banks. Whether you keep a personal account or run a business relationship with this Bavarian cooperative bank, you can view balances and transactions in a single dashboard — and, if you write code, pull the same data programmatically once you are connected.

The defining trait is zero-knowledge encryption. Your data is decrypted locally with a key that only ever lives on your own device, so open-banking.io's servers hold nothing but your public key. No shared secrets, no certificate paperwork, no bank data sitting readable on someone else's infrastructure.

How to connect Raiffeisenbank Grainet

Connecting happens entirely inside 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 key pair is generated right there on your device; the passphrase never leaves it.
  3. Pick Raiffeisenbank Grainet in the dashboard and choose your account type — business or personal.
  4. Approve on Raiffeisenbank Grainet's own login. You are redirected to the bank's secure consent screen, where you authenticate and grant access directly — open-banking.io never sees your credentials.
  5. Your accounts sync back into the dashboard, ready to browse. Consent lasts up to 180 days before Grainet asks you to renew it.

Access your data

Once the 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. Requests carry the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext; without your private key, nobody — not even open-banking.io — can read it. The CLI and SDK only read and sync existing connections; there is no connect command.

All of this runs for about EUR 3/month, with no per-certificate fees.

FAQ

Does open-banking.io store my Raiffeisenbank Grainet login?

No. You authenticate on Grainet's own consent screen, and only your public key is held by open-banking.io.

Can I connect both a business and a personal account?

Yes. Raiffeisenbank Grainet supports both account types — just add each one from the dashboard.

How long does access last?

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

Ready to start? Visit open-banking.io.