Raiffeisen Smart Mobile — API Integration & Open Banking Solutions

Protocol analysis, PSD2/OpenBanking integration and enterprise-grade API implementations for Raiffeisen Smart Mobile (starting at $300)

Enterprise service · Starting at $300

OpenData · OpenBanking · Protocol Analysis · PSD2 Compliance

Integrate Raiffeisen's account features, secure tokens and transaction streams into your systems

We deliver compliant, reusable interfaces for banks, accounting SaaS, corporate finance systems and aggregators: from auth & session handling, account listing and real-time transaction feeds to card controls and notifications — all with runnable source code and full documentation.

Accounts & transaction queries — Standardized transaction feeds with pagination and filters; export by date/category to CSV/Excel/JSON; multi-account aggregation and aging reports.

Authorization & device trust — Full OAuth2 / OpenID Connect flow implementation, device binding, refresh token strategies, secure storage recommendations and SmartToken simulation options.

Cards & risk controls — Secure APIs for card loss/temporary block, PIN retrieval and transaction limit controls (including UI guidance).

Real-time notifications & webhooks — Reliable push for transactions, credits and chargebacks with retry and signature verification to enable accounting sync and automated workflows.

Deliverables (examples)

Standard package

Protocol analysis report (TLS / OAuth / token flows / certificates & signatures)
OpenAPI (Swagger) interface specification with sample requests
Runnable API source code (Node.js / Python) with Dockerfile
Automated integration tests (Postman / pytest)
Compliance recommendations (data minimization, log retention, consent records)

API examples (pseudo-code)

POST /api/v1/raiffeisen/auth/login
Content-Type: application/json

{
  "client_id": "your_client_id",
  "redirect_uri": "https://yourapp.example/cb",
  "scope": "accounts transactions openid",
  "response_type": "code"
}

GET /api/v1/raiffeisen/accounts
Authorization: Bearer <ACCESS_TOKEN>

Response: {
  "accounts": [
    {"id":"ACC123","iban":"CZ650800000000...","balance":12045.70,"currency":"CZK"}
  ]
}

POST /api/v1/raiffeisen/transactions/query
Authorization: Bearer <ACCESS_TOKEN>
{
  "account_id":"ACC123",
  "from":"2025-10-01",
  "to":"2025-10-31",
  "page":1,
  "page_size":100
}

Typical integration scenarios

Account aggregators, accounting & reconciliation systems, corporate cash management (balance sync, batch payment templates), merchant settlement, and PSD2 AIS/PIS simulation & compliance testing.

Compliance & security

We only implement integrations with customer authorization or via public/authorized APIs. All solutions follow data minimization principles, support audit logging, data encryption and NDA signing where required. We include GDPR/PSD2-aligned recommendations.

Delivery timeline & pricing

From protocol analysis to first delivery typically 5–15 business days depending on authorization complexity and scope. Base services start at $300; sample-first delivery with acceptance-based payment is available.

How to start (quick guide)

Provide the target app name (this page uses: Raiffeisen Smart Mobile) and specific requirements (e.g. transaction export, realtime balance, card lock, webhooks).
Indicate if test environment or developer credentials exist and whether PSD2 AIS/PIS simulation is needed.
We will provide an initial proposal, timeline and quote within 24–48 hours.
Sign NDA if needed → Protocol analysis → Development → Joint testing → Delivery & deployment.

About us

We are a specialist studio for app protocol analysis and authorized API integration. Core team members have long experience in mobile apps, banking and payment gateway integrations. We deliver end-to-end: protocol analysis, runnable source code, OpenAPI docs and test scripts.

Service highlights: experience across mainstream authorization modes, compliant deliverables, Android/iOS protocol work, transparent pricing and milestone-based acceptance.

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📱 Raiffeisen Smart Mobile — Official feature overview (collapsed)

Raiffeisen Smart Mobile provides intelligent mobile banking features including:

Fast, secure login (PIN / fingerprint / FaceID) with the option to mark a device as trusted to avoid repeated SMS verification.
Customizable dashboard to view all products and accounts at a glance.
Comprehensive transaction history and seamless account management with merchant logos and categorization.
Convenient payment methods: QR scan payments, instant transfers (instant payments), templates & scheduled payments, direct debits.
Card management: view balance & transactions, temporary block/unblock, set spending limits, view/reset PIN.
Smart savings & investment: automatic saving boxes, integrated investment products and online account opening.
Real-time notifications & SmartToken: push for transaction alerts and secure authorizations available on web & mobile.
Digital onboarding, loan applications, term deposits and full product purchase flows.
Multi-language and accessibility features with customizable user preferences.

(This summary is compiled from public app descriptions and intended for integration and protocol analysis reference.)