Volksbank Raiffeisenbank Regensburg-Schwandorf API Access

Reach the account data held at Volksbank Raiffeisenbank Regensburg-Schwandorf (BIC GENODEF1R01) without building a PSD2 stack of your own. open-banking.io is a certificate-free bridge to 2,600+ EU and UK banks, covering both business and personal accounts at this Bavarian cooperative bank. You approve access once, and your balances and transaction history stream into a dashboard where only you hold the decryption key.

The service is deliberately zero-knowledge: encryption keys are generated on your own device, and open-banking.io's servers store only your public key. Every figure you see is unscrambled locally, so no third party — not even the platform — can read your Volksbank Raiffeisenbank Regensburg-Schwandorf statements.

How to connect Volksbank Raiffeisenbank Regensburg-Schwandorf

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 open-banking.io and set an encryption passphrase. Your key pair is created on your device at this moment.
  2. In the dashboard, search for Volksbank Raiffeisenbank Regensburg-Schwandorf and choose the account type you need — business or personal.
  3. You are redirected to Volksbank Raiffeisenbank Regensburg-Schwandorf's own secure login and consent screen, where you authenticate directly with the bank and approve access.
  4. Once approved, your selected accounts sync back into your dashboard. The PSD2 consent runs up to 180 days, after which you simply repeat the approval to keep the connection live.

Access your data

Programmatic access is an optional step you take after the connection exists. On the Developers page, create an API key and export a credentials.json — a file that 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. Requests carry your key in the X-Api-Key header, and each response is decrypted locally with your private key. Note that the API key alone only returns ciphertext; without your key, the payload stays unreadable. The CLI and SDK read and sync existing connections — they never create one.

All of this runs at roughly EUR 3 per month, with no eIDAS certificate to buy or maintain.

Do I need a developer account to connect?

No. Connecting Volksbank Raiffeisenbank Regensburg-Schwandorf is done in the dashboard. API keys are only for reading data afterward.

Can open-banking.io see my transactions?

No. It holds only your public key; decryption happens on your device.

Which accounts are supported?

Both business and personal accounts at Volksbank Raiffeisenbank Regensburg-Schwandorf (BIC GENODEF1R01).

Get started at open-banking.io.