Raiffeisen Romania — Open Banking & API Access

Raiffeisen Bank (Romania) is one of the country's largest retail and corporate banks (BIC RZBRROBU). With open-banking.io you can bring your Raiffeisen accounts into a single, privacy-first workspace — and, if you're a developer, read that data programmatically. Both business and personal accounts are supported, and each PSD2 consent stays valid for up to 180 days before Raiffeisen asks you to re-approve.

Unlike traditional aggregators, open-banking.io is zero-knowledge and certificate-free. Your encryption keys are generated on your own device from a passphrase only you know, so account data is decrypted locally — our servers only ever hold your public key and can never read your balances or transactions.

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 for open-banking.io and open the dashboard.
  2. Set your encryption passphrase. This generates your personal key pair locally; keep the passphrase safe, because it's what unlocks your data.
  3. Pick Raiffeisen (Romania) from the bank list and choose the account type — business or personal.
  4. You're redirected to Raiffeisen's own secure login, where you approve access on the bank's official PSD2 consent screen.
  5. Once approved, your Raiffeisen accounts sync into your dashboard automatically.

That's it — no certificates to register, no bank developer portal to navigate.

Access your data

After a connection exists, developers can optionally read it in code. On the Developers page, create an API key and export a credentials.json — this bundles the API key and your private decryption key. Then use the CLI or an SDK:

openbanking accounts
openbanking transactions
openbanking sync

Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The CLI, SDK, and REST API only ever read or sync connections that already exist — they never create one. An API key on its own returns only ciphertext; without your private key, the data stays unreadable.

All of this is included for around EUR 3/month, covering 2,600+ EU and UK banks.

FAQ

Do I need a developer account to connect Raiffeisen?

No. Connecting is done in the dashboard by approving access on Raiffeisen's consent screen. API keys are only for the optional read step afterwards.

Can open-banking.io see my Raiffeisen transactions?

No. It's zero-knowledge — data is decrypted on your device with a key only you hold.

Up to 180 days, after which you simply re-approve access with Raiffeisen.

Ready to start? Visit open-banking.io.