Raiffeisenbank Unteres Vilstal API & Open Banking

Want programmatic, privacy-first access to your Raiffeisenbank Unteres Vilstal accounts? open-banking.io brings this Oberpfalz cooperative bank (BIC GENODEF1SDM) into a single EU/UK open-banking service covering 2,600+ institutions. Whether you hold a business or personal account, you can view balances and transactions without handing your data to a third party — everything is decrypted locally with a key that only you hold.

Because open-banking.io is certificate-free and zero-knowledge, our servers only ever store your public key. They physically cannot read your Raiffeisenbank Unteres Vilstal statements, and neither can anyone who breaches them.

How to connect Raiffeisenbank Unteres Vilstal

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated right on your own device.
  2. In the dashboard, pick Raiffeisenbank Unteres Vilstal and choose your account type (business or personal).
  3. You're redirected to Raiffeisenbank Unteres Vilstal's own secure login, where you approve access under PSD2 consent — valid for up to 180 days before renewal.
  4. Your accounts then sync straight into your dashboard, ready to review.

That's it. No developer redirect, no uploading credentials to us — the approval happens on the bank's own screen.

Access your data

Once your Raiffeisenbank Unteres Vilstal connection is live, developers can optionally read it programmatically. From the Developers page, create an API key and export a credentials.json — this bundles your API key together with your private decryption key.

With it you can 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 alone only ever returns ciphertext — without your private key the data stays unreadable, even to us.

All of this runs at roughly EUR 3/month.

Is my Raiffeisenbank Unteres Vilstal data private?

Yes. open-banking.io is zero-knowledge — data is decrypted on your device, and we hold only your public key.

Do I need an eIDAS certificate?

No. The service is certificate-free; you simply approve access on Raiffeisenbank Unteres Vilstal's own consent screen.

Up to 180 days, after which you re-approve access from the dashboard in a few clicks.

Ready to start? Visit open-banking.io.