N26 Luxembourg API Access — Sync Accounts Securely

Sync your N26 (Luxembourg) data in minutes

Bring your N26 account data into your own tools without wrestling with bank certificates or lengthy compliance paperwork. open-banking.io gives you a single, developer-friendly API to read balances and transactions from N26 in Luxembourg, so you can power dashboards, bookkeeping, reconciliation, or personal finance apps with live, authoritative data straight from the source.

How to connect N26

  1. Create your open-banking.io account and generate an API key.
  2. Select N26 (Luxembourg) from the supported bank list.
  3. Redirect the account holder to N26 to authenticate and approve access.
  4. Choose the scopes you need — accounts, balances, transactions.
  5. Receive the secure token and start pulling data through the unified endpoints.

Because the flow is standardised across every institution we cover, the same integration you write for N26 works for the rest of your customers' banks with no extra plumbing.

What data you can access

  • Accounts — both business and personal N26 account types, with their identifying details.
  • Balances — current and available balances, refreshed on demand.
  • Transactions — historical and recent movements for reconciliation and analytics.

Note that N26 does not expose a BIC through this connection, so build your matching logic around the account identifiers that are returned.

Account access is granted under a consent that can run for up to 180 days before the holder needs to re-authenticate. open-banking.io reaches 2,600+ banks across the EU and UK, meaning N26 is one connection among a network you can grow into as your user base expands.

Privacy by design

We operate on a zero-knowledge basis: your customers' credentials are entered only at N26, never with us, and we never store them. The service is certificate-free, so there are no eIDAS certificates to buy, renew, or manage. You get the reach of regulated open banking without the operational overhead.

Pricing

Access starts at roughly EUR 3 per month — flat, predictable, and with no per-call surprises. It's built so independent developers and small teams can ship real open-banking features affordably.

FAQ

Can I access both business and personal N26 accounts?

Yes. Both account types are supported, and the returned data tells you which is which.

How long does a connection stay active?

Up to 180 days per consent, after which the account holder simply re-authorises.

Do I need my own bank certificate?

No. The platform is certificate-free and zero-knowledge, so there is nothing to procure or maintain.

Ready to build? Get started at open-banking.io.