Raiffeisenkasse Unterland Open Banking & API Access

Raiffeisenkasse Unterland is a South Tyrolean cooperative bank (BIC RZSBIT21317) serving the Bassa Atesina / Unterland valley in northern Italy. With open-banking.io you can pull your Raiffeisenkasse Unterland balances and transactions into one dashboard without registering for a PSD2 licence, buying an eIDAS certificate, or writing a line of integration code. Both business and personal accounts are supported, and a single PSD2 consent stays valid for up to 180 days before you re-approve it.

The defining trait of open-banking.io is that it never sees your money data in the clear. Your encryption keys are generated on your own device from a passphrase only you know, so the service stores only your public key — it is structurally unable to read or decrypt what syncs through it.

How to connect Raiffeisenkasse Unterland

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

  1. Sign up for open-banking.io and set your encryption passphrase. This generates your personal key pair locally; the passphrase never leaves your device.
  2. In the dashboard, search for Raiffeisenkasse Unterland and choose the account type you hold — business or personal.
  3. You are redirected to Raiffeisenkasse Unterland's own secure login, where you authenticate and approve access on the bank's consent screen (standard PSD2 authorisation).
  4. Once approved, your accounts sync back into your dashboard, encrypted with your key.

That is the whole flow. You are never asked to redirect anyone or handle credentials yourself — the bank authenticates you directly.

Access your data

Reading the data programmatically is an optional step you take after the connection exists. On the Developers page, create an API key and export a credentials.json bundle — it carries the API key together with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. Note that neither the CLI nor the SDK can create a connection — they only read or refresh the one you already approved in the dashboard. And an API key on its own returns only ciphertext; without your private key, the payload stays unreadable.

All of this runs for roughly EUR 3/month, certificate-free.

Does open-banking.io ever see my Raiffeisenkasse Unterland data?

No. Decryption happens on your device with a key only you hold. The servers store your public key and encrypted blobs, nothing readable.

Can I connect a Raiffeisenkasse Unterland business account?

Yes. Both business and personal account types are available; you pick which when you select the bank in the dashboard.

Raiffeisenkasse Unterland grants access for up to 180 days per PSD2 consent, after which you re-approve on the bank's login screen.

Ready to start? Visit open-banking.io.