N26 Italy API Access & Open Banking Integration

Pulling your N26 (Italy) account and transaction data into your own tools no longer means chasing bank sandboxes or eIDAS certificates. open-banking.io gives you a single, certificate-free path to N26 across the EU/UK — one subscription covering 2,600+ banks. Everything you sync is decrypted locally with a key that only you hold, so N26 balances and payment history stay readable to you and no one else.

Both business and personal N26 accounts are supported (BIC NTSBITM1XXX), and a single PSD2 consent lasts up to 180 days before you re-approve.

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 on your own device, never on our servers.
  2. In the dashboard, choose N26 and select the account type you hold (business or personal).
  3. You are redirected to N26's own secure login, where you approve access on the bank's consent screen — your credentials are entered only at N26, never with us.
  4. Your N26 accounts sync back into your dashboard, ready to view or export.

Access your data

Once N26 is connected, reading it programmatically is an optional developer step. Open 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:

  • CLI: openbanking accounts, openbanking transactions, openbanking sync
  • SDK / REST API: send requests with the X-Api-Key header

Every response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already approved — there is no connect command. An API key on its own returns ciphertext; without your private key it is unreadable, which is what zero-knowledge means in practice: our servers hold only your public key.

All of this runs for roughly EUR 3/month, with no certificates and no per-bank onboarding.

Does open-banking.io ever see my N26 login or data?

No. You authenticate directly on N26's consent screen, and everything you sync is decrypted on your device with a key we never receive.

Can I connect N26 straight from the CLI?

No. Connecting is a dashboard-only flow. The CLI, SDK and API only read or sync N26 connections you have already approved.

How long does my N26 access last?

Up to 180 days per consent. After that, reapprove on N26's screen from the dashboard to keep syncing.

Ready to start? Visit open-banking.io.