Raiffeisenbank Höchberg API Access & Open Banking

Reaching your Raiffeisenbank Höchberg accounts programmatically usually means wrestling with eIDAS certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of that. It is a certificate-free bridge to Raiffeisenbank Höchberg (BIC GENODEF1HBG) and 2,600+ other EU and UK banks, giving you clean access to business and personal account data without ever building an integration against the bank yourself.

The design is zero-knowledge from the ground up. Your encryption keys are generated on your own device, and every balance and transaction is decrypted locally with a key only you hold. open-banking.io's servers keep only your public key, so they can never read your Raiffeisenbank Höchberg data — even in the unlikely event of a breach.

How to connect Raiffeisenbank Höchberg

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 set your encryption passphrase. This generates your personal key pair on your device.
  2. In the dashboard, search for Raiffeisenbank Höchberg and choose the account type you need (business or personal).
  3. You are redirected to Raiffeisenbank Höchberg's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials are only ever entered at the bank.
  4. Once approved, your accounts sync straight into your dashboard. Consent lasts up to 180 days, after which you simply re-approve.

Access your data

Programmatic access is an optional developer step you take after the connection 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your key. An API key on its own only ever returns ciphertext, so nobody but you can read the results.

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

Do I need an eIDAS certificate for Raiffeisenbank Höchberg?

No. open-banking.io is certificate-free — you authorise access directly on Raiffeisenbank Höchberg's consent screen.

Can open-banking.io see my Raiffeisenbank Höchberg transactions?

No. It is zero-knowledge and holds only your public key. Decryption happens on your device with a private key only you possess.

How long does a connection stay active?

Raiffeisenbank Höchberg grants consent for up to 180 days. When it expires, re-approve in the dashboard to keep syncing.

Start at open-banking.io.