N26 (Latvia) API Access & Open Banking | open-banking.io

Reaching your N26 (Latvia) account data no longer means chasing PSD2 certificates or standing up your own regulated connection. open-banking.io gives you a single, private doorway to N26 alongside 2,600+ other EU and UK banks, so you can pull balances and transactions for reporting, bookkeeping or a side project without the compliance overhead. N26 supports both personal and business account types here, and a consent you approve stays valid for up to 180 days before it needs renewing. N26 does not publish a BIC in our reference data, so none is required to get started.

Everything is built around a simple idea: your data is yours. Your encryption keys are generated on your own device, and open-banking.io only ever holds your public key — the servers store ciphertext they cannot read.

How to connect N26

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code snippet or key involved in this step.

  1. Sign up for an open-banking.io account.
  2. Set your encryption passphrase, which generates your personal keys locally in your browser.
  3. In the dashboard, search for N26 and choose whether you're linking a personal or business account.
  4. You're redirected to N26's own secure login, where you approve access on the bank's consent screen — your credentials never touch open-banking.io.
  5. Your N26 accounts sync back into the dashboard, ready to view.

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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext, which is exactly why the platform stays certificate-free and zero-knowledge.

All of this runs for roughly EUR 3/month.

Do I need a PSD2 certificate to access N26?

No. open-banking.io handles the regulated connection, so you approve consent on N26's screen and skip certificates entirely.

Can open-banking.io read my N26 transactions?

No. Data is encrypted with keys only you hold; the servers store only your public key and never see plaintext.

Up to 180 days, after which you re-approve access from the dashboard.

Ready to start? Visit open-banking.io.