N26 API Access (Bulgaria) — Open Banking Made Simple

Reaching your N26 account data in Bulgaria no longer means wrestling with PSD2 certificates, sandbox registrations or eIDAS paperwork. open-banking.io gives you a single, encrypted view of your N26 accounts alongside 2,600+ other EU and UK banks — and because every byte is decrypted locally with a key only you hold, nobody else (not even our servers) can read your finances.

N26 supports both personal and business account types here, and consent stays valid for up to 180 days before you re-authorise. N26 does not publish a public BIC for this connection, so there is nothing extra to look up — you just pick the bank and go.

How to connect N26

Connecting happens entirely inside 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 set your encryption passphrase. Your cryptographic keys are generated right on your own device.
  2. In the dashboard, choose N26 and select the account type you want (personal or business).
  3. You are redirected to N26's own secure login, where you approve access on their official consent screen — your credentials never touch us.
  4. Once approved, your N26 accounts and transactions sync straight into your dashboard, refreshed for the duration of your 180-day consent.

Access your data

After your N26 accounts are connected, developers can optionally read them programmatically. On the Developers page, create an API key and export a credentials.json — this bundles your API key together with your private decryption key. From there:

  • CLI: run openbanking accounts, openbanking transactions or openbanking sync.
  • SDK / REST API: authenticate each request with the X-Api-Key header.

Every response arrives encrypted and is decrypted locally with your own key. An API key on its own only ever yields ciphertext — without your private key, the data stays unreadable, which is exactly how zero-knowledge is meant to work.

All of this runs for around EUR 3/month, with no certificate fees and no per-call surprises.

FAQ

Do I need a PSD2 certificate to access N26?

No. open-banking.io is certificate-free — you approve access on N26's consent screen and we handle the regulated plumbing.

Can open-banking.io see my N26 balance?

No. We only ever hold your public key. Your data is decrypted on your device, so it stays private to you.

How long does my N26 connection last?

Up to 180 days per consent, after which you simply re-approve access in the dashboard.

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