Raiffeisenbank Gymnich API Access & Open Banking

Reach your Raiffeisenbank Gymnich accounts through a single, privacy-first layer. open-banking.io links this Erftstadt-Gymnich cooperative bank (BIC GENODED1EGY) to a dashboard where balances and transactions arrive already decrypted on your own device. It covers both business and personal accounts, and every PSD2 consent you grant runs for up to 180 days before a quick renewal is needed.

The service is zero-knowledge and certificate-free: your encryption keys are generated locally from a passphrase only you know, so open-banking.io servers hold nothing but your public key and can never read your statements. No eIDAS certificate, no bank-side developer contract, and no infrastructure of your own — just a login and a monthly plan of roughly EUR 3.

How to connect Raiffeisenbank Gymnich

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 set your encryption passphrase. Your private key is created right there on your device.
  2. In the dashboard, search for Raiffeisenbank Gymnich and choose the account type you need — business or personal.
  3. You are redirected to Raiffeisenbank Gymnich's own secure login and consent screen, where you approve access directly with the bank.
  4. Your accounts sync back into the dashboard, and balances plus transaction history appear ready to read.

That is the whole flow: you authorise on the bank's side, and nothing sensitive ever passes through a third party in the clear.

Access your data

Want to pull the data programmatically? That is an optional step after the bank is already connected. Open the Developers page, create an API key, and export a credentials.json — it 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 each response is decrypted locally with your own key. Without that private key an API key alone returns only ciphertext — a deliberate consequence of the zero-knowledge design. The CLI and SDKs only read and sync connections you already made in the dashboard; there is no connect command.

Is my Raiffeisenbank Gymnich data private?

Yes. Data is decrypted on your device with a key only you hold. open-banking.io stores just your public key and can never read your accounts.

Do I need a certificate or developer account?

No. There are no eIDAS certificates and no bank-side developer setup — you approve access on Raiffeisenbank Gymnich's own consent screen.

How long does access last?

Each consent lasts up to 180 days, after which you re-approve with a single confirmation on the bank's login.

Start at open-banking.io.