N26 API Access in Ireland — Open Banking Sync

Pull your N26 (Ireland) data into any app you build without wrestling with bank-specific onboarding. open-banking.io gives you a single, standardised endpoint to read personal and business N26 accounts, so you can focus on your product instead of PSD2 plumbing.

Whether you are reconciling ledgers, powering a budgeting tool, or scoring affordability, the N26 connection streams live account information straight into your stack. One integration, and N26 sits alongside 2,600+ other European and UK institutions on the same interface.

How to connect N26

1. Create an open-banking.io account and grab your API key.
2. Call the connect endpoint and select N26 (Ireland) as the target institution.
3. Redirect your user to N26 to review and approve the access request.
4. Receive the returned consent token and begin querying the account data.

What data you can access

• Accounts — identifiers and metadata for personal and business N26 accounts.
• Balances — current and available figures, refreshed on demand.
• Transactions — dated entries with amounts, counterparties and references.

Note that N26 (Ireland) does not expose a BIC through this channel, so build any account-matching logic around the identifiers that are returned rather than expecting one.

Consent and coverage

A single N26 authorisation stays valid for up to 180 days, the maximum consent window offered, before the account holder needs to re-approve. Both business and personal account types are supported, so mixed portfolios work through the same flow.

Privacy by design

The platform is zero-knowledge: credentials and account data pass through without being stored or mined, and nothing is retained beyond what your calls require. It is also certificate-free — no eIDAS certificate, no QWAC provisioning, no bank sandbox paperwork. You skip the compliance overhead usually attached to open banking and go straight to reading data.

Pricing

Access starts at roughly EUR 3 per month, a flat, predictable cost that covers N26 and the rest of the network. No per-bank licensing, no setup fees.

FAQ

Do I need my own PSD2 licence to connect N26?

No. open-banking.io operates the regulated access layer, so you can read N26 data without holding your own certificates or licence.

Can I access both business and personal N26 accounts?

Yes. Both account types are supported through the identical connect flow and endpoints.

How often must N26 consent be renewed?

Each approval lasts up to 180 days, after which the account holder re-authorises to keep the connection live.

Ready to build with N26? Start at open-banking.io.