N26 Spain API Access & Open Banking Integration

N26 brings mobile-first banking to Spain, but its own app doesn't hand you a clean, programmable feed of your balances and transactions. open-banking.io closes that gap. It links your N26 (Spain) accounts through regulated PSD2 access and delivers the data in a form you can actually work with — while keeping everything encrypted under a key that never leaves your device.

Because open-banking.io is zero-knowledge and certificate-free, you skip the usual eIDAS certificates and sandbox paperwork. There's nothing to register with a regulator and no TLS client cert to obtain. You just sign up and connect, alongside 2,600+ other supported European banks.

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. Create an open-banking.io account and set your encryption passphrase. Your key pair is generated locally on your own device; open-banking.io only ever sees your public key.
  2. In the dashboard, search for and select N26 (Spain, BIC GMSSESM1XXX), then choose your account type — business or personal.
  3. You're redirected to N26's own secure login, where you approve the access request (standard PSD2 consent). Your credentials go only to N26.
  4. Once approved, your N26 accounts sync into your dashboard. The consent stays valid for up to 180 days, after which you simply re-approve on N26's screen.

Access your data

Reading N26 data programmatically is an optional developer step you take after the connection exists. Open the Developers page, create an API key, and export a credentials.json — this bundles the API key together with your private decryption key.

With that file, use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only returns ciphertext — without your private key the data stays unreadable, including to open-banking.io's own servers.

All of this runs for roughly EUR 3/month.

Do I need an eIDAS certificate for N26?

No. open-banking.io is certificate-free — there are no certificates to buy or install.

Can open-banking.io read my N26 transactions?

No. It holds only your public key. Decryption happens on your device with a private key that only you hold.

Does the CLI connect my N26 account?

No. Connecting is done in the dashboard via N26's consent screen. The CLI and SDK only read and sync connections that already exist.

Ready to start? Visit open-banking.io.