N26 France API Access & Open Banking Integration

Reaching your N26 (France) accounts programmatically usually means wrestling with PSD2 certificates, sandbox registrations and OAuth scopes. open-banking.io removes all of that. It links to N26 through the same regulated PSD2 rails your banking app uses, but keeps the cryptography on your side: your data is decrypted locally with a key only you hold, and our servers only ever store your public key. No eIDAS certificate, no developer onboarding, no waiting.

N26 (France) trades under BIC NTSBFRM1XXX and supports both business and personal account types. A single consent stays valid for up to 180 days before N26 asks you to re-approve, so you can keep an integration running for months without interruption.

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 for open-banking.io and set your encryption passphrase. Your keys are generated right there on your own device.
  2. In the dashboard, choose N26 (France) from the bank list and select whether you're linking a business or personal account.
  3. You're redirected to N26's own secure login, where you approve access under PSD2 — the same screen you'd see in the N26 app.
  4. Once you confirm, your accounts sync back into your dashboard, ready to view.

That's the whole flow. You never hand credentials to us; N26 authenticates you directly.

Access your data

Reading N26 data programmatically is an optional step you take after connecting. Open the Developers page, create an API key, and export a credentials.json — it bundles that 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. Without that private key an API key alone returns only ciphertext — which is exactly why open-banking.io stays zero-knowledge.

All of this runs at around EUR 3/month, across 2,600+ EU and UK banks.

FAQ

Do I need an eIDAS certificate to access N26?

No. open-banking.io is certificate-free — you connect through the dashboard and approve access on N26's own consent screen.

Can the CLI connect my N26 account?

No. The CLI and SDK only read and sync connections that already exist. Linking N26 is done once in the dashboard.

Up to 180 days, after which N26 prompts you to re-approve access.

Ready to start? Visit open-banking.io.