N26 Austria API Access & Open Banking Connection

Running a business or managing personal finances with N26 in Austria means your balances, payments and transaction history live behind the bank's app. open-banking.io gives you a clean, standards-based way to reach that data — covering both personal and business N26 accounts — without wrestling with eIDAS certificates or bank-by-bank paperwork. N26 does not publish a public BIC for this reference, but that's no obstacle: you select the bank by name in the dashboard and authorise access directly on N26's own login. One subscription (around EUR 3/month) covers this and 2,600+ other EU and UK banks.

How to connect N26

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

  1. Sign up for open-banking.io and open the web dashboard.
  2. Set your encryption passphrase. Your keys are generated on your own device, so only you can later decrypt what syncs in.
  3. Pick N26 from the bank list and choose the account type — business or personal.
  4. Approve on N26's screen. You're redirected to N26's own secure login to grant PSD2 consent, valid for up to 180 days before a simple re-approval.
  5. Your accounts sync into the dashboard automatically, ready to view.

Access your data

Once N26 is connected, developers can optionally read the data programmatically. On the Developers page, create an API key and export a credentials.json — this 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. Every request authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already made in the dashboard — there is no connect command.

Because open-banking.io is zero-knowledge, its servers hold only your public key and never see readable N26 data — an API key alone returns ciphertext without your private key.

Do I need an eIDAS certificate for N26?

No. open-banking.io is certificate-free; you just approve access on N26's login.

Can open-banking.io read my N26 transactions?

No. Data is decrypted only on your device with a key that never leaves it.

How long does N26 access last?

Consent runs up to 180 days, after which you re-approve in a few clicks.

Start at open-banking.io.