N26 (Lithuania) API Access & Open Banking Data

N26 is a mobile-first bank, and its Lithuanian operation serves both personal and business account holders across the EU. If you want your N26 transactions in a spreadsheet, a bookkeeping tool, or your own script, open-banking.io gives you a single, private route to that data — no bank certificates to obtain, no eIDAS setup, no PSD2 licence of your own.

Everything is decrypted on your device with a key only you hold. open-banking.io stores just your public key, so it can move ciphertext but never read it. That zero-knowledge design covers 2,600+ European banks for roughly EUR 3/month.

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 at open-banking.io and set your encryption passphrase. Your keys are generated locally, on your own device.
  2. In the dashboard, choose N26 (Lithuania) and pick the account type you hold — business or personal.
  3. You're redirected to N26's own secure login, where you approve access under PSD2. open-banking.io never sees your credentials.
  4. Your accounts and transactions sync back into the dashboard, ready to view.

N26 publishes no dedicated BIC for this reference, so selection is by name in the dashboard rather than by BIC. Your consent stays valid for up to 180 days, after which you simply re-approve on N26's screen.

Access your data

Programmatic access is an optional step after your N26 connection is live. 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, use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — which is exactly what keeps the service zero-knowledge.

Do I need a licence or certificate to read N26 data?

No. open-banking.io is certificate-free. You approve access on N26's consent screen; no eIDAS certificate or PSD2 licence is required from you.

Can the CLI connect my N26 account?

No. The CLI and SDK only read and sync connections that already exist. Connecting N26 is done once in the dashboard.

Up to 180 days per approval. When it lapses, re-authorise N26 in the dashboard to keep syncing.

Ready to start? Visit open-banking.io.