N26 (Ireland) API Access & Open Banking Data | open-banking.io

N26 is Ireland's mobile-first neobank, and open-banking.io lets you reach your N26 account and transaction history without maintaining PSD2 certificates or wrangling raw bank APIs. Both business and personal N26 accounts are supported, and a single access consent stays valid for up to 180 days before N26 asks you to renew it. N26 does not publish a fixed BIC for this integration, so none is required on your side.

Everything runs on a zero-knowledge design: your encryption keys are generated on your own device from a passphrase you choose, and open-banking.io only ever holds your public key. That means the service can route and store your data but can never read it — decryption happens locally, under a key only you control.

How to connect N26

Connecting is done entirely in the open-banking.io dashboard — there is no API call, key, or code involved in this step.

  1. Sign up for open-banking.io and set your encryption passphrase; your private key is created locally and never leaves your device.
  2. In the dashboard, search for N26 (Ireland) and choose the account type you hold — business or personal.
  3. You are redirected to N26's own secure login, where you approve access on N26's official consent screen (standard PSD2 authorisation).
  4. Once you confirm, your N26 accounts sync back into your dashboard, and stay connected for the 180-day consent window.

Access your data

Reading N26 data programmatically is an optional step you take after connecting. 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 each response is decrypted locally with your own key — an API key alone only ever returns ciphertext. The CLI and SDK only read and sync connections you have already approved; they cannot create new ones.

All of this costs around EUR 3/month, with access to 2,600+ EU and UK banks under the same certificate-free model.

FAQ

Do I need a PSD2 certificate to access N26?

No. open-banking.io handles the regulated connection for you, so there are no certificates or eIDAS setup to manage.

Can open-banking.io read my N26 transactions?

No. The service is zero-knowledge and stores only your public key; your data is decrypted on your device with a key only you hold.

How long does my N26 connection last?

Up to 180 days per consent. After that, N26 will prompt you to re-authorise access from the dashboard.

Ready to start? Visit open-banking.io.