N26 Croatia API Access & Open Banking Integration

Getting programmatic access to your N26 accounts in Croatia usually means wrestling with PSD2 certificates and sandbox paperwork. open-banking.io removes that entirely: it links to N26 through the regulated open-banking rails and hands you clean, decrypted account and transaction data — without you ever holding an eIDAS certificate. It covers 2,600+ EU and UK institutions, N26 among them, and everything your bank returns is decrypted locally with a key that only you possess.

N26 supports both business and personal account types here, and a single approval stays valid for up to 180 days before you re-consent. N26 does not expose a fixed BIC in this context, so there is nothing extra to look up — you select the bank by name and go.

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, pick N26 and choose whether it is a business or personal account.
  3. You are redirected to N26's own secure login, where you approve access on the bank's consent screen.
  4. Your accounts sync back into the dashboard, ready to view.

Because the consent is granted on N26's side, open-banking.io never sees your banking credentials.

Access your data

Once N26 is connected, developers can optionally read the data programmatically. On the Developers page, create an API key and export a credentials.json — it 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 directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only ever returns ciphertext.

This is the zero-knowledge, certificate-free model: open-banking.io stores only your public key and can never read your data. All of it runs for roughly EUR 3/month.

Do I need a PSD2 certificate for N26?

No. open-banking.io handles the regulated access, so you connect N26 without any certificate of your own.

Can the CLI connect my N26 account?

No. The CLI and SDK only read and sync connections that already exist — connecting N26 is done in the dashboard on the bank's consent screen.

How long does access last?

Up to 180 days per approval, after which N26 asks you to re-consent.

Ready to start? Visit open-banking.io.