Raiffeisenbank Kaarst API Access & Open Banking

Pulling live balances and transactions from Raiffeisenbank Kaarst into your own tools no longer means wrestling with eIDAS certificates or a bank sandbox. open-banking.io gives you PSD2 access to this Rhein-Kreis Neuss cooperative bank (BIC GENODED1KAA) for both business and personal accounts, while keeping the data encrypted with a key that never leaves your device.

The service covers 2,600+ EU and UK banks and is certificate-free: there is nothing to register with a regulator, no QWAC to renew, and no infrastructure to host. You approve access once and your accounts stay in sync.

How to connect Raiffeisenbank Kaarst

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 keys are generated locally, on your own device.
  2. In the dashboard, search for Raiffeisenbank Kaarst and choose whether you are linking a business or personal account.
  3. You are redirected to Raiffeisenbank Kaarst's own secure login and consent screen, where you authenticate and approve access directly with the bank (standard PSD2 strong customer authentication).
  4. Once approved, your accounts sync back into your dashboard. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

At no point does open-banking.io see your banking credentials — you enter those only on Raiffeisenbank Kaarst's site.

Access your data

Want the data programmatically? That is an optional developer step after the connection exists. From the Developers page, create an API key and export a credentials.json (your API key plus your private decryption key). Then read accounts with the CLI, an SDK, or the REST API:

openbanking accounts
openbanking transactions
openbanking sync

Every request sends the X-Api-Key header, and each response is decrypted locally with your private key. The CLI and SDKs only read and sync connections you already made in the dashboard — they cannot create one.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key alone returns ciphertext; without your private key, the data stays unreadable. All of this runs at roughly EUR 3/month.

Is my Raiffeisenbank Kaarst login shared with open-banking.io?

No. You authenticate only on Raiffeisenbank Kaarst's own consent screen; open-banking.io never receives your credentials.

Can I access business and personal accounts?

Yes — both account types at Raiffeisenbank Kaarst (BIC GENODED1KAA) are supported.

How long does access last?

Up to 180 days per consent, then you re-approve on the bank's screen.

Start at open-banking.io.