N26 API Access in Italy — Sync Accounts Securely

Connect your N26 (Italy) accounts to any app

N26 is Italy's mobile-first bank, and open-banking.io lets you pull that data into your own tools without wrestling with eIDAS certificates or PSD2 sandbox paperwork. Point our unified API at N26 (BIC NTSBITM1XXX) and start syncing account information within minutes. One integration covers N26 alongside 2,600+ other EU and UK institutions, so you write your code once and reuse it everywhere.

Whether you are building a budgeting app, an accounting reconciliation tool, or an internal cash-flow dashboard, the flow is the same lightweight REST call. No screen-scraping, no brittle workarounds.

How to connect N26

  1. Create your open-banking.io account and grab an API key.
  2. Call the connect endpoint and select N26 (Italy) from the institution list.
  3. Redirect the account holder to N26's secure login to approve consent.
  4. Receive the access token and begin fetching data straight away.

What data you can access

Once a customer has authorised the link, the API exposes:

  • Accounts — details for both business and personal N26 products
  • Balances — current and available amounts in real time
  • Transactions — historical and incoming entries with counterparty and reference fields

N26 supports a maximum consent window of 180 days, after which the account holder simply re-authorises to keep the connection alive. open-banking.io handles the token lifecycle, refresh timing, and re-consent prompts so your team does not have to track expiry manually. Both business and personal account types are supported through the same endpoints.

Privacy by design

We operate on a zero-knowledge basis: credentials go directly to N26 and never touch our servers. The setup is entirely certificate-free, so there is no QWAC or QSeal provisioning to manage. Your customers stay in control, and you inherit a compliant PSD2 flow without the regulatory overhead.

Pricing

Access starts at roughly EUR 3 per month — flat and predictable, with the full bank catalogue included. No per-connection surcharges for reaching N26 or any other supported institution.

FAQ

Does this work for N26 business accounts?

Yes. Both personal and business N26 accounts in Italy are covered by the same API endpoints and consent flow.

How long does an N26 connection stay active?

Up to 180 days per consent. After that the account holder re-authorises, and we manage the prompt for you.

Do I need my own PSD2 certificate?

No. open-banking.io is certificate-free — you connect through our licence with no eIDAS setup required.

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