N26 Spain API Access — Connect Accounts Fast

Bring your N26 (Spain) banking data into any app or workflow with a single, certificate-free integration. open-banking.io gives developers and finance teams direct, read-only access to N26 accounts through one consistent API — so you can pull balances and transactions on demand instead of scraping screens or exporting CSVs by hand.

How to connect N26

1. Create your open-banking.io account and grab an API key.
2. Point a connection request at N26 (BIC GMSSESM1XXX) for the Spanish market.
3. Redirect the account holder to N26's own login and strong customer authentication.
4. The customer approves the data-sharing consent — nothing sensitive touches your servers.
5. Start calling the API to read the account data you were granted.

What data you can access

• Accounts — identifiers and metadata for both business and personal N26 products.
• Balances — current and available amounts, refreshed on request.
• Transactions — dated, categorisable entries with counterparties and references.

Consent and coverage

A single N26 consent stays valid for up to 180 days before the customer needs to re-authorise, keeping long-running syncs smooth. N26 is one of 2,600+ banks reachable through the same open-banking.io endpoints across the EU and UK, so adding more institutions later means no new integration work.

Privacy by design

open-banking.io is zero-knowledge: we relay authorised data without storing your customers' credentials or reading their financial records. There are no eIDAS certificates to buy, renew, or manage — the certificate-free setup removes the biggest friction point in traditional PSD2 access, so you can go live in days rather than weeks.

Pricing

One flat, predictable plan of roughly EUR 3 per month covers N26 and every other supported bank. No per-call metering, no enterprise minimums, no surprise renewal invoices.

Is this an official N26 partnership?

No. open-banking.io connects to N26 through regulated open-banking rails; your customers always authenticate on N26's own systems and control what they share.

Can I access both business and personal N26 accounts?

Yes. Both account types are supported, and the API surfaces the same accounts, balances and transactions structure for each.

How often do I need to renew consent?

Each authorisation lasts up to 180 days. After that, the account holder simply re-approves access to continue syncing.

Ready to sync N26 data the simple way? Start at open-banking.io.