Raiffeisenbank Kreis Kelheim API Access & Open Banking

Pulling your Raiffeisenbank Kreis Kelheim balances and transactions into your own tools no longer means chasing eIDAS certificates or building a bank-specific integration. open-banking.io gives you PSD2 access to the Bad Abbach/Kelheim cooperative bank (BIC GENODEF1ABS) through one dashboard that works the same across 2,600+ EU and UK banks. Both business and personal accounts are supported, and every consent runs for up to the regulatory maximum of 180 days before you renew it.

What sets it apart is the trust model: it is zero-knowledge. Your encryption keys are generated on your own device, and open-banking.io only ever holds your public key. Your Raiffeisenbank Kreis Kelheim data is decrypted locally, by you — the service can never read it.

How to connect Raiffeisenbank Kreis Kelheim

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your private key is created locally on your device at this step.
  2. In the dashboard, pick Raiffeisenbank Kreis Kelheim and choose the account type you want to link — business or personal.
  3. You are redirected to Raiffeisenbank Kreis Kelheim's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Once approved, your accounts sync back into the dashboard, encrypted under your key.

That is the whole flow. No certificate, no developer onboarding, no waiting on the bank.

Access your data

Reading the data programmatically is an optional step you take after connecting. 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 you can 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. An API key on its own only ever returns ciphertext, so your data stays private even in transit. The CLI and SDKs only read and sync connections that already exist — the linking itself always happens in the dashboard.

All of this runs for roughly EUR 3/month.

Is a bank certificate required?

No. open-banking.io is certificate-free — you never handle eIDAS or QWAC certificates. You just approve access on Raiffeisenbank Kreis Kelheim's own consent screen.

How long does access last?

Each Raiffeisenbank Kreis Kelheim consent is valid for up to 180 days, after which you re-approve it in the dashboard to keep syncing.

Can open-banking.io see my transactions?

No. It is zero-knowledge and holds only your public key. Data is decrypted locally with a private key that never leaves your device.

Start connecting your Raiffeisenbank Kreis Kelheim accounts at open-banking.io.