Raiffeisenbank Rattiszell-Konzell API & Open Banking Access

Reaching your Raiffeisenbank Rattiszell-Konzell accounts programmatically usually means TPP licences, eIDAS certificates and a stack of PSD2 paperwork. open-banking.io removes all of that. It is a certificate-free bridge covering 2,600+ EU and UK banks, and it treats your Straubing-Bogen cooperative account (BIC GENODEF1RZK) as a first-class connection — whether you hold a business or personal account. Balances and transaction history flow into one dashboard, and thanks to end-to-end encryption they are readable only on your own device.

How to connect Raiffeisenbank Rattiszell-Konzell

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code snippet 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 device, so no one else — not even open-banking.io — can derive them.
  2. In the dashboard, search for Raiffeisenbank Rattiszell-Konzell and choose your account type (business or personal).
  3. You are redirected to Raiffeisenbank Rattiszell-Konzell'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 refresh is needed.
  4. Your approved accounts sync straight back into the dashboard, ready to view.

Access your data

Once a connection exists, developers can optionally read it in code. 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 carries your X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only returns ciphertext — without your private key the data stays unreadable. The CLI and SDK never create connections; they only read and sync the ones you approved in the dashboard.

This is what zero-knowledge means in practice: open-banking.io's servers hold only your public key and can never see your Raiffeisenbank Rattiszell-Konzell data in the clear. All of it runs at roughly EUR 3/month.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free — you sign up, set a passphrase, and approve access on the bank's own screen.

Can open-banking.io read my transactions?

No. Data is decrypted only on your device with a key that never leaves it. The servers store just your public key.

Does the CLI connect my bank?

No. Connecting is done once in the dashboard. The CLI, SDK and REST API only read or sync accounts you have already linked.

Start at open-banking.io.