Volksbank Raiffeisenbank Dachau API & Open Banking

Pulling account and transaction data from Volksbank Raiffeisenbank Dachau (BIC GENODEF1DCA) usually means wrestling with eIDAS certificates and a bespoke PSD2 sandbox. open-banking.io removes all of that. It is a certificate-free open-banking service covering 2,600+ EU and UK banks, and it treats your Dachau accounts as first-class data you can view in a dashboard and, if you code, read programmatically. Both business and personal accounts are supported, with consent lasting up to 180 days before you renew.

The defining trait is zero-knowledge privacy: your encryption keys are generated on your own device, and open-banking.io's servers only ever hold your public key. Every figure you see is decrypted locally, so the service never has the ability to read your Volksbank Raiffeisenbank Dachau balances.

How to connect Volksbank Raiffeisenbank Dachau

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 an open-banking.io account.
  2. Set an encryption passphrase. This generates your personal keys locally; only you hold the private key.
  3. In the dashboard, search for Volksbank Raiffeisenbank Dachau and choose the account type you need — business or personal.
  4. You are redirected to Volksbank Raiffeisenbank Dachau's own secure login and consent screen, where you approve access directly with the bank (standard PSD2 flow).
  5. Your accounts sync back into the dashboard, ready to view.

That's the whole connection. Your credentials go only to the bank, never to open-banking.io.

Access your data

Reading the data in code is an optional step you take after connecting. 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 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. Without that private key, an API key alone returns only ciphertext — which is exactly what keeps the model zero-knowledge.

All of this runs for roughly EUR 3/month.

Do I need an eIDAS certificate?

No. open-banking.io is certificate-free; you approve access on Volksbank Raiffeisenbank Dachau's own consent page.

How long does access last?

Up to 180 days per consent, after which you re-approve with the bank to keep syncing.

Can open-banking.io see my balances?

No. It stores only your public key; all data is decrypted on your device with a private key only you hold.

Start at open-banking.io.