Raiffeisenbank Hengersberg-Schöllnach Open Banking Access
Reading account data from Raiffeisenbank Hengersberg-Schöllnach (BIC GENODEF1HBW) does not require you to become a regulated PSD2 provider or manage eIDAS certificates. open-banking.io sits between you and this Bavarian cooperative bank, handling the consent handshake and delivering balances and transactions that only you can decrypt. It covers 2,600+ EU and UK banks, and Hengersberg-Schöllnach's business and personal accounts are among them.
Everything is anchored to a key pair generated on your own device. open-banking.io stores only your public key, so its servers physically cannot read your statements — they hold ciphertext and nothing else.
How to connect Raiffeisenbank Hengersberg-Schöllnach
Connecting happens entirely inside the open-banking.io dashboard — there is no API call, endpoint, or key involved in this step:
- Sign up for open-banking.io and set an encryption passphrase. Your private decryption key is created locally and never leaves your machine.
- In the dashboard, search for Raiffeisenbank Hengersberg-Schöllnach and choose the account type you hold — business or personal.
- You are redirected to Raiffeisenbank Hengersberg-Schöllnach's own secure login, where you approve access on the bank's PSD2 consent screen. Your credentials go only to the bank.
- Your accounts sync back into the dashboard, encrypted under your key. The bank permits consent for up to 180 days before you re-approve.
Access your data
Once a connection exists, reading it programmatically is an optional developer step. 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 authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key, the data stays unreadable. The CLI and SDKs read and sync existing connections; they never establish one.
At roughly EUR 3/month, you get certificate-free, zero-knowledge access without the overhead of direct bank integration.
Do I need an eIDAS certificate?
No. open-banking.io manages the regulated PSD2 layer, so you can access Raiffeisenbank Hengersberg-Schöllnach data with no certificate of your own.
How long does consent last?
Raiffeisenbank Hengersberg-Schöllnach allows a maximum consent window of 180 days. After it lapses, you re-approve on the bank's login screen.
Can open-banking.io see my transactions?
No. Data is decrypted only on your device with a key you alone hold. The service keeps just your public key, so it can never read your account contents.
Start at open-banking.io.