Raiffeisenbank Holzkirchen-Otterfing API & Open Banking

Reaching account data from Raiffeisenbank Holzkirchen-Otterfing eG (BIC GENODEF1HZO), the cooperative bank serving Holzkirchen and Otterfing in Oberbayern, no longer means scraping statements or wrestling with eIDAS certificates. open-banking.io gives you a PSD2-compliant path to your business and personal accounts, with one defining trait: your data is decrypted only on your own device, using a key that never leaves it.

That is the zero-knowledge promise. open-banking.io stores only your public key, so its servers physically cannot read your balances or transactions — they hold ciphertext. There are no certificates to buy or renew, and pricing sits at roughly EUR 3/month for the whole toolkit.

How to connect Raiffeisenbank Holzkirchen-Otterfing

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 an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated locally on your device at this moment.
  3. In the dashboard, search for and select Raiffeisenbank Holzkirchen-Otterfing, then choose the account type (business or personal).
  4. You are redirected to Raiffeisenbank Holzkirchen-Otterfing's own secure login and consent screen, where you approve access directly with the bank.
  5. Your approved accounts sync back into the dashboard, ready to view.

Consent lasts up to 180 days, after which you simply repeat the approval to keep the connection live.

Access your data

Reading data programmatically is an optional step that comes after the account is already connected. 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 authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard — they never establish one. Note that the API key alone returns nothing readable: without your private key, you receive only ciphertext.

FAQ

Do I connect Raiffeisenbank Holzkirchen-Otterfing by calling an API?

No. Connecting is done in the dashboard, where you approve access on the bank's own consent page. The API and CLI are only for reading data you've already connected.

Can open-banking.io staff see my Raiffeisenbank Holzkirchen-Otterfing transactions?

No. The service is zero-knowledge and holds only your public key. Everything is decrypted locally with a private key that stays on your device.

How long does access last?

Raiffeisenbank Holzkirchen-Otterfing consent runs up to 180 days per approval. Re-approve on the bank's consent screen to renew.

Start at https://open-banking.io.