Raiffeisenbank Unteres Zusamtal Open Banking API

Connecting to Raiffeisenbank Unteres Zusamtal (BIC GENODEF1BWI) for open banking usually means wrestling with eIDAS certificates and PSD2 onboarding. open-banking.io removes that entirely. It gives you read access to your Raiffeisenbank Unteres Zusamtal business and personal accounts through one dashboard, with every byte of financial data decrypted locally using a key that never leaves your device.

The service is zero-knowledge and certificate-free: open-banking.io holds only your public key, so its servers can never read or decrypt your transactions. It covers 2,600+ banks across the EU and UK for around EUR 3/month.

How to connect Raiffeisenbank Unteres Zusamtal

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

  1. Sign up at open-banking.io and set an encryption passphrase. Your encryption keys are generated right there on your own device.
  2. In the dashboard, pick Raiffeisenbank Unteres Zusamtal and choose your account type (business or personal).
  3. You are redirected to Raiffeisenbank Unteres Zusamtal's own secure login, where you approve access on the bank's PSD2 consent screen.
  4. Your accounts sync back into your dashboard automatically.

Consent to Raiffeisenbank Unteres Zusamtal lasts up to 180 days, after which you simply re-approve on the bank's screen to keep the connection live.

Access your data

Once a connection exists, developers can optionally read it programmatically. On the Developers page, create an API key and export a credentials.json — this bundles your 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 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 the data stays unreadable, which is exactly what keeps the model zero-knowledge. Note the CLI and SDK only read and sync existing connections; there is no connect command.

Do I need a PSD2 certificate for Raiffeisenbank Unteres Zusamtal?

No. open-banking.io is certificate-free. You approve access directly on Raiffeisenbank Unteres Zusamtal's consent screen — no eIDAS certificate required.

Can open-banking.io see my Raiffeisenbank Unteres Zusamtal transactions?

No. It stores only your public key. Data is decrypted on your device with a private key only you hold, so the servers only ever see ciphertext.

How long does access last?

Raiffeisenbank Unteres Zusamtal grants consent for up to 180 days. When it expires, re-approve on the bank's login screen to continue syncing.

Get started at open-banking.io.