N26 Hungary API Access & Open Banking Connection

Reaching your N26 (Hungary) account data no longer means wrestling with eIDAS certificates or a sandbox contract. open-banking.io is a certificate-free, zero-knowledge gateway to 2,600+ EU and UK banks, and N26's Hungarian personal and business accounts sit among them. You approve access once, and your balances and transactions flow into a dashboard that only you can decrypt — the service never holds your private key, just your public one.

Because everything is built on PSD2, there is no scraping and no shared password. N26 has no public BIC in our reference set, so you simply select it by name. A single consent stays valid for up to 180 days before N26 asks you to re-authorise, and both personal and business account types are supported.

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 locally on your own device, so nobody else can reconstruct them.
  2. In the dashboard, pick N26 and choose whether you are linking a personal or business account.
  3. You are redirected to N26's own secure login, where you approve the access request on the bank's consent screen.
  4. Your accounts sync back into your dashboard, and stay current for the life of the 180-day consent.

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 bundle — this holds 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. Without that private key an API response is nothing but ciphertext — even open-banking.io's servers cannot read it.

All of this runs for around EUR 3 per month, with no certificates to renew and no enterprise onboarding.

FAQ

Do I need an API key to connect N26?

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

Does open-banking.io see my N26 transactions?

No. It is zero-knowledge — data is decrypted on your device with a key only you hold.

How long does N26 access last?

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

Get started at open-banking.io.