Raiffeisenbank Hiltenfingen API Access & Open Banking

Reading your Raiffeisenbank Hiltenfingen accounts programmatically used to mean chasing PSD2 certificates and building your own bank integration. With open-banking.io you skip all of that. This Bavarian cooperative bank (BIC GENODEF1HTF) sits among the 2,600+ EU and UK institutions the service supports, so both business and personal accounts flow into one dashboard — and every figure stays encrypted with a key that never leaves your device.

The design is deliberately zero-knowledge and certificate-free: open-banking.io stores only your public key, so it can move ciphertext around but can never read a single balance or transaction. Decryption always happens locally, under your control.

How to connect Raiffeisenbank Hiltenfingen

Connecting is done entirely in the open-banking.io dashboard — there is no API call, code, or key involved in linking the bank:

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated right there on your own device.
  2. In the dashboard, search for Raiffeisenbank Hiltenfingen and choose the account type you want — business or personal.
  3. You are redirected to Raiffeisenbank Hiltenfingen's own secure login, where you approve access under PSD2. Consent lasts up to 180 days before a quick renewal is needed.
  4. Your accounts sync back into the dashboard, ready to view.

Access your data

Programmatic access is an optional step you take after the connection exists. On the Developers page, create an API key and export a credentials.json — it bundles the API key with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries the X-Api-Key header, and each response is decrypted locally with your key. The CLI and SDK only read and sync connections you already made in the dashboard — there is no connect command, and an API key alone returns nothing but ciphertext without your private key.

All of this runs on the ~EUR 3/month plan.

Is my Raiffeisenbank Hiltenfingen data readable by open-banking.io?

No. The service holds only your public key. Data is decrypted on your device, so the servers see ciphertext only.

Do I need a PSD2 certificate?

No. open-banking.io is certificate-free. You just approve access on Raiffeisenbank Hiltenfingen's own consent screen.

How often must I reconnect?

Raiffeisenbank Hiltenfingen consent lasts up to 180 days, after which you re-approve in the dashboard.

Start at open-banking.io.