Raiffeisenbank Owschlag Open Banking & API Access

Reaching account data at Raiffeisenbank eG, Owschlag no longer means chasing PSD2 certificates or standing up your own bank integration. open-banking.io links your Owschlag accounts through a single dashboard and keeps every byte encrypted with a key that never leaves your device. Whether you hold a personal current account or run business banking with the cooperative (BIC GENODEF1OWS), you get one consistent view of balances and transactions — and, when you want it, a clean developer path on top.

How to connect Raiffeisenbank Owschlag

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, so only you can ever unlock your data.
  2. In the dashboard, pick Raiffeisenbank Owschlag and choose the account type you need — business or personal.
  3. You are redirected to Raiffeisenbank Owschlag's own secure login and consent screen, where you approve access under PSD2. open-banking.io never sees your banking credentials.
  4. Your approved accounts sync back into the dashboard, ready to view. Consent lasts up to 180 days, after which you simply re-approve on the bank's screen.

Access your data

Once the connection is live, developers can optionally read it programmatically. On the Developers page, create an API key and export a credentials.json — this 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 own key. There is no connect command — the CLI and SDK only read and sync connections you already made in the dashboard.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key alone returns ciphertext; without your private key, nobody — not even open-banking.io — can read your Owschlag data. No eIDAS certificates, no bank onboarding, just ~EUR 3/month.

Do I need a PSD2 certificate for Raiffeisenbank Owschlag?

No. open-banking.io is certificate-free; you authorize access directly on the bank's consent screen.

Which Raiffeisenbank Owschlag accounts are supported?

Both business and personal accounts (BIC GENODEF1OWS) can be connected and synced.

How long does access last?

Up to 180 days per consent, then you re-approve on Raiffeisenbank Owschlag's own login page.

Start at open-banking.io.