Raiffeisenbank Scharrel API Access & Open Banking

Reaching your Raiffeisenbank eG Scharrel accounts programmatically usually means wrestling with PSD2 certificates, sandbox registrations and per-bank quirks. open-banking.io removes that friction entirely: it already speaks to Raiffeisenbank Scharrel (BIC GENODEF1SAN) alongside 2,600+ other EU and UK banks, so you get a single, consistent way to read balances and transactions from both business and personal accounts — without ever handling an eIDAS certificate yourself.

The defining trait is privacy. open-banking.io is zero-knowledge: your encryption keys are generated on your own device, and the service only ever stores your public key. Account data is sealed so that only you can open it — the servers physically cannot read your Raiffeisenbank Scharrel statements.

How to connect Raiffeisenbank Scharrel

Connecting happens entirely in 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 private key is created locally and never leaves your device.
  2. In the dashboard, search for Raiffeisenbank eG Scharrel and choose the account type you want to link — business or personal.
  3. You are redirected to Raiffeisenbank Scharrel's own secure login and consent screen, where you approve access directly with the bank under PSD2.
  4. Once approved, your accounts sync back into your dashboard, ready to view.

Because consent is granted on the bank's side, it follows Raiffeisenbank Scharrel's rules — access can be authorised for up to 180 days before you renew it.

Access your data

Want the data in your own code? That is an optional step you take after connecting. On the Developers page, create an API key and export a credentials.json — this bundles your API key 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 alone only ever returns ciphertext — without your private key, the data stays unreadable. Note the CLI and SDKs only read and sync connections you already made in the dashboard; there is no connect command.

All of this runs for around EUR 3/month, with no certificates to buy or maintain.

FAQ

Do I connect Raiffeisenbank Scharrel with an API key?

No. You link the bank in the dashboard and approve on Raiffeisenbank Scharrel's own consent screen. API keys are only for reading data afterwards.

Can open-banking.io see my Raiffeisenbank Scharrel data?

No. It is zero-knowledge and holds only your public key. Data is decrypted locally with a key only you have.

Which account types are supported?

Both business and personal Raiffeisenbank Scharrel accounts, with consent valid for up to 180 days.

Ready to start? Visit open-banking.io.