N26 (Malta) API Access & Open Banking Integration
N26 (Malta) brings the German mobile-bank experience to Maltese business and personal customers, but its app doesn't hand you a raw feed of your own account data. open-banking.io closes that gap. It is a certificate-free EU/UK open-banking service covering 2,600+ institutions, and it lets you pull your N26 balances and transactions into one place — then, if you want, read them programmatically. There are no eIDAS certificates to buy and no PSD2 licence to hold; the plan is a flat ~EUR 3/month.
What makes it different is where your data lives. When you sign up you set an encryption passphrase, and the keys are generated on your own device. open-banking.io only ever stores your public key, so its servers hold ciphertext they cannot read. Every figure you see is decrypted locally, by you.
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.
- Create an open-banking.io account and set your encryption passphrase (this generates your personal keys on-device).
- In the dashboard, search for N26 (Malta) and choose the account type you hold — business or personal.
- You are redirected to N26's own secure login, where you approve access under PSD2. open-banking.io never sees your credentials.
- Your N26 accounts sync back into the dashboard, ready to view.
That consent lasts up to 180 days, after which N26 asks you to re-approve — a standard open-banking safeguard. Note that N26 (Malta) does not publish a fixed BIC for this listing, so selection is by name in the dashboard rather than by BIC.
Access your data
Once N26 is connected, developers can optionally read the data outside the dashboard. On the Developers page, create an API key and export a credentials.json — it 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. Requests authenticate with the X-Api-Key header, and each response is decrypted locally with your key. The CLI and SDK only read and sync connections that already exist — they never create one.
Does open-banking.io store my N26 login?
No. You authenticate on N26's own screen; open-banking.io only receives the PSD2 consent, never your password.
Can someone with just my API key read my transactions?
No. Without your private decryption key they receive only ciphertext — the key stays on your device.
Do I need N26 business banking to use this?
No. Both business and personal N26 (Malta) account types are supported.
Start at open-banking.io.