Raiffeisenbank München-Nord Open Banking & API Access

Pulling your Raiffeisenbank München-Nord balances and transactions into your own tools shouldn't mean managing eIDAS certificates or standing up a PSD2 stack. open-banking.io gives you a single, certificate-free path to your Raiffeisenbank München-Nord data — covering both business and personal accounts (BIC GENODEF1M08) — while keeping the encryption keys entirely on your own device. It's part of a network spanning 2,600+ EU and UK banks, so the same setup extends far beyond one Bavarian cooperative.

The defining trait is zero knowledge: open-banking.io stores only your public key. Everything you sync is decrypted locally with a private key that never leaves your machine, so the service physically cannot read your Raiffeisenbank München-Nord statements.

How to connect Raiffeisenbank München-Nord

Connecting happens entirely inside 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 open the web dashboard.
  2. Set an encryption passphrase. Your key pair is generated right there on your device.
  3. In the dashboard, search for Raiffeisenbank München-Nord and choose the account type you hold — business or personal.
  4. You're redirected to Raiffeisenbank München-Nord's own secure login, where you approve access on the bank's PSD2 consent screen. That consent stays valid for up to 180 days before a simple re-approval.
  5. Your approved accounts sync straight into your dashboard, ready to view.

Because approval happens on the bank's own login, your Raiffeisenbank München-Nord credentials are never seen by open-banking.io.

Access your data

Once an account is connected, developers can optionally read it programmatically. 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. Every request sends the X-Api-Key header, and each response is decrypted locally with your own key. An API key alone only ever returns ciphertext — without your private key it stays unreadable. The CLI and SDK read and sync existing connections; they never create them.

All of this runs for roughly EUR 3/month.

Do I need a certificate or PSD2 licence?

No. open-banking.io is certificate-free; you only need to approve consent on Raiffeisenbank München-Nord's login screen.

Can open-banking.io see my transactions?

No. It holds only your public key, so your Raiffeisenbank München-Nord data is decrypted solely on your device.

Does connecting require writing code?

No. Linking Raiffeisenbank München-Nord is done entirely in the dashboard. The API and CLI are an optional step afterwards.

Ready to start? Visit open-banking.io.