N26 Belgium API Access & Open Banking Integration

Pulling your N26 (Belgium) account and transaction data into your own tools shouldn't require an eIDAS certificate, a PSD2 licence, or a stack of paperwork. open-banking.io gives individuals and businesses a direct, certificate-free path to their N26 data across 2,600+ European banks — for roughly EUR 3 per month. N26 supports both personal and business account types here, and a single approval keeps your connection live for up to 180 days before it needs renewing. N26 does not publish a BIC in our reference set, so there's nothing extra to look up: you simply pick the bank by name.

What sets open-banking.io apart is the trust model. It is zero-knowledge: your encryption keys are generated on your own device from a passphrase only you know, and every response is decrypted locally. Our servers only ever hold your public key, so they can never read your N26 balances or transactions.

How to connect N26

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your private key is created locally, right in your browser.
  2. In the dashboard, search for N26 and choose your account type (personal or business).
  3. You're redirected to N26's own secure login, where you approve access under PSD2 consent — your credentials go only to N26, never to us.
  4. Your accounts sync back into the dashboard, ready to view.

Access your data

Reading N26 data programmatically is an optional developer step you take after connecting. On the Developers page, create an API key and export a credentials.json file — 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. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key, nobody (including us) can make sense of it.

Do I need a PSD2 certificate to access N26?

No. open-banking.io is certificate-free. You authorise access directly on N26's login screen.

How long does one N26 connection last?

Up to 180 days per consent, after which you re-approve on N26's screen to keep syncing.

Can the CLI connect a new N26 account?

No — the CLI and SDK only read and sync connections you've already made in the dashboard.

Ready to start? Head to open-banking.io.