N26 API Access & Open Banking via open-banking.io

N26 pioneered mobile-first banking in Germany, and if you keep business or personal balances there you may want a cleaner, programmable view of your money. open-banking.io gives you exactly that: a certificate-free, EU/UK-wide bridge to over 2,600 banks where your account data is only ever decrypted on your own device with a key nobody else holds. There is no OAuth app to register and no bank certificate to buy — you connect N26 in a web dashboard and, if you're a developer, read the results afterwards.

How to connect N26

Connecting happens entirely inside the open-banking.io dashboard — never through code or an API call. First, sign up and set an encryption passphrase; this generates your keys locally, so your private decryption key never leaves your machine. Next, in the dashboard choose N26 (BIC NTSBDEBBXXX) and pick the account type you hold — both business and personal N26 accounts are supported. You are then redirected to N26's own secure login, where you approve access under PSD2 consent. Once you confirm, your accounts begin syncing straight into the dashboard. That consent lasts up to 180 days, after which you simply re-approve on N26's screen to keep the sync alive.

Access your data

Once N26 is connected, programmatic access is an optional extra step. Open the Developers page, create an API key, and export a credentials.json — this file 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 carries 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 store only your public key and can never read or decrypt your balances. An API key alone returns nothing but ciphertext without your private key. All of this runs for around EUR 3/month.

Do I connect N26 with an API key?

No. You connect N26 in the dashboard by approving access on N26's own login. API keys are only for reading data afterward.

Can open-banking.io see my N26 transactions?

No. Data is decrypted locally on your device. The service holds only your public key, so it never sees plaintext.

Up to 180 days per PSD2 rules. When it expires, re-approve on N26's consent screen to resume syncing.

Ready to start? Visit open-banking.io.