Access N26 Finland Data: API & Open Banking Guide

N26 is a mobile-first bank, and getting a clean, programmatic view of your Finnish N26 accounts usually means wrestling with certificates, sandbox registrations and PSD2 paperwork. open-banking.io removes all of that. It is a certificate-free gateway to 2,600+ EU and UK banks where the connection is made through a friendly dashboard and your financial data is decrypted only on your own device — never on our servers.

Because the platform is zero-knowledge, we only ever hold your public key. Whether you bank with N26 as a personal customer or run a business account, the same flow applies, and each authorisation stays valid for up to 180 days before N26 asks you to renew it. N26 does not publish a fixed BIC in our reference data, so there is nothing extra to look up — just find the bank by name.

How to connect N26

Connecting happens entirely inside the open-banking.io dashboard, not through any code or API call:

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase — your keys are generated locally on your device, so only you can ever unlock the data.
  3. In the dashboard, search for N26 and choose the account type (business or personal).
  4. You are redirected to N26's own secure login, where you approve access under PSD2 consent.
  5. Your accounts and transactions sync back into your dashboard automatically.

That is the whole setup. There is no API key, developer redirect or endpoint involved in connecting — you simply approve access on N26's screen.

Access your data

Once N26 is connected, reading it programmatically is an optional developer step. On the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext.

All of this runs for around EUR 3/month.

Do I need a developer account to connect N26?

No. Connecting is done in the dashboard by approving access on N26's login. The API and CLI are only for reading data afterwards.

Can open-banking.io see my N26 balances?

No. The service is zero-knowledge and holds only your public key; decryption happens on your device.

Up to 180 days, after which you re-approve access on N26's own screen.

Start accessing your N26 data at open-banking.io.