Raiffeisen Luxembourg Open Banking & API Access

Banque Raiffeisen is Luxembourg's cooperative bank, and open-banking.io gives you a private, PSD2-based way to reach its account data. Whether you run a Raiffeisen business account or a personal one, you can pull balances and transactions into one place — and, if you code, read them programmatically — without handling eIDAS certificates or trusting a third party with your raw statements. Everything is decrypted locally with a key only you hold.

How to connect Raiffeisen

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 keys are generated on your own device, so open-banking.io only ever holds your public key.
  2. In the dashboard, pick Banque Raiffeisen (BIC CCRALULL) and choose your account type — business or personal.
  3. You are redirected to Raiffeisen's own secure login to approve access under PSD2. You authenticate directly with the bank; open-banking.io never sees your credentials.
  4. Your accounts sync into your dashboard. The consent lasts up to 180 days, after which you simply re-approve on Raiffeisen's screen.

Access your data

Reading the data programmatically is an optional developer step — taken only after the connection above exists. On the Developers page, create an API key and export a credentials.json bundling that key with your private decryption key. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests carry the X-Api-Key header, and every response is decrypted locally with your key. Note there is no connect command — the tooling only reads and syncs the connections you already approved in the dashboard.

Because open-banking.io is zero-knowledge, an API key alone returns only ciphertext; without your private key the data stays unreadable — even to open-banking.io. All this for around EUR 3/month.

FAQ

Do I need a certificate to access Raiffeisen?

No. open-banking.io is certificate-free. You approve access on Raiffeisen's own consent screen, and no eIDAS or QWAC setup is required.

Can I connect a Raiffeisen business account?

Yes. Both business and personal Raiffeisen (CCRALULL) accounts are supported, with consent valid for up to 180 days.

Can open-banking.io read my Raiffeisen data?

No. Data is decrypted only on your device with a key only you hold. The servers store your public key and encrypted data — nothing they can read.

Start at open-banking.io.