N26 Cyprus API Access & Open Banking Integration

N26 is the mobile-first bank many Cypriot customers rely on for everyday spending and saving, but pulling that account data into your own tools has traditionally meant wrestling with eIDAS certificates and PSD2 licensing. open-banking.io removes that barrier. It is a certificate-free, zero-knowledge gateway to 2,600+ EU and UK banks, so you can reach your N26 accounts without becoming a regulated third party yourself. Everything you sync is encrypted with a key generated on your own device — open-banking.io only ever holds your public key and can never read your balances or transactions.

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 at open-banking.io and set your encryption passphrase. Your decryption keys are generated locally, on your device.
  2. In the dashboard, choose N26 and select your account type. Both business and personal N26 accounts are supported.
  3. You are redirected to N26's own secure login, where you approve the PSD2 consent directly with the bank.
  4. Your accounts sync back into the dashboard, ready to view.

Consent lasts up to 180 days, after which you simply re-approve on N26's screen. N26 (Cyprus) does not publish a distinct BIC for this integration, so there is nothing extra to look up.

Access your data

Once N26 is connected, reading the data programmatically is an optional developer step. From the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. Then use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — which is exactly what zero-knowledge means.

All of this runs for around EUR 3/month, with no certificate fees or licensing overhead.

Do I need an API key to connect N26?

No. Connecting is done in the dashboard via N26's consent screen. API keys are only for reading data afterward.

Can open-banking.io see my N26 transactions?

No. Data is decrypted on your device with a key only you hold. The servers store just your public key.

How long does access last?

Up to 180 days per consent, then you re-approve on N26's login page.

Start at open-banking.io.