N26 Iceland API Access & Open Banking Connection

Reaching your N26 (Iceland) account data no longer means wrestling with bank certificates or a PSD2 developer programme. open-banking.io gives you a single, encrypted view of your N26 balances and transactions alongside 2,600+ other EU and UK institutions. N26 serves both business and personal account holders here, and every connection you make is protected by keys generated on your own device — the service never holds anything but your public key.

The practical distinction worth understanding up front: connecting N26 is a point-and-click step in the web dashboard, while reading the data programmatically is a separate, optional developer step you can add later.

How to connect N26

  1. Sign up at open-banking.io and set an encryption passphrase. Your private decryption key is created locally, so only you can ever read your data.
  2. In the dashboard, search for N26 and choose your account type — business or personal.
  3. You are redirected to N26's own secure login, where you approve access under PSD2. open-banking.io never sees your banking credentials.
  4. Your accounts sync into the dashboard. This consent lasts up to 180 days, after which you simply re-approve on N26's screen.

There is no API call, code, or key involved in connecting — the whole flow is the dashboard plus N26's consent page.

Access your data

Once N26 is connected, developers can read it programmatically. 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your key. An API key on its own only ever returns ciphertext — readable data requires the private key that never leaves your machine.

Note: N26 (Iceland) has no BIC listed. The CLI and SDK only read and sync existing connections; there is no connect command.

FAQ

Do I need a certificate or eIDAS credential?

No. open-banking.io is certificate-free. You connect entirely through the dashboard and N26's own login.

Can open-banking.io staff see my N26 transactions?

No. It is zero-knowledge — the servers store only your public key, and decryption happens on your device.

What does it cost?

Around EUR 3/month for access to N26 and every other supported bank.

Ready to start? Visit open-banking.io.