N26 (Luxembourg) API Access & Open Banking Guide

Want programmatic access to your N26 (Luxembourg) accounts without wrestling with eIDAS certificates or a PSD2 sandbox? open-banking.io gives you a single, private path to your N26 balances and transactions across more than 2,600 European banks. N26 supports both personal and business accounts here, and every connection is decrypted on your own device — never on our servers.

Because N26 (Luxembourg) does not publish a BIC in our directory, you don't need to look one up: you simply pick the bank by name inside the dashboard. Consent under PSD2 lasts up to 180 days before N26 asks you to re-authorise, so a single approval keeps your data flowing for months.

How to connect N26

Connecting happens 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 keys are generated locally on your device, so only you can ever decrypt what comes back.
  2. In the dashboard, search for and select N26 (Luxembourg), then choose the account type you hold — personal or business.
  3. You are redirected to N26's own secure login, where you approve access on the bank's consent screen. Your credentials stay with N26.
  4. Once approved, your accounts sync straight into your open-banking.io dashboard, ready to view.

Access your data

After your N26 connection is live, developers can optionally 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 directly.

Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. That's the zero-knowledge guarantee in practice: open-banking.io holds only your public key, so an API key alone would return nothing but ciphertext without your private key present.

Do I need an eIDAS certificate for N26?

No. open-banking.io is certificate-free — you approve access on N26's own login and never manage any PSD2 certificate yourself.

Can open-banking.io read my N26 transactions?

No. Your data is encrypted with a key held only on your device, so our servers store ciphertext they cannot decrypt.

Up to 180 days per PSD2. After that, simply re-approve on N26's consent screen from the dashboard.

Start accessing your N26 (Luxembourg) data for around EUR 3/month at open-banking.io.