N26 API Access in the Netherlands — Open Banking

Bringing N26 data into your own product no longer means wrestling with bank-specific paperwork. With open-banking.io you plug a single EU/UK API into your app and start syncing N26 accounts held in the Netherlands — balances, transaction history and account details flow in through one consistent interface, whether the account is personal or for business.

N26 is a mobile-first bank, and its Dutch customers increasingly expect their tools, dashboards and accounting software to reflect what the app shows them. open-banking.io closes that gap without you ever touching a certificate or a banking licence.

How to connect N26

  1. Create an open-banking.io account and grab your API key.
  2. Point a connection request at N26 for the Netherlands.
  3. Redirect the account holder to N26 to authenticate and approve access.
  4. Receive the authorised token and begin pulling data on demand.
  5. Refresh or re-consent before the 180-day window closes.

What data you can access

  • Accounts — identifiers and metadata for personal and business N26 accounts.
  • Balances — current and available amounts, updated on request.
  • Transactions — dated line items with counterparties, amounts and references.

Because N26 does not expose a BIC through this coverage, you work directly against the account references returned by the API rather than routing codes.

Each N26 authorisation lasts up to 180 days, after which the account holder simply re-approves. Both business and personal account types are supported. N26 is one of 2,600+ banks reachable through the same integration, so extending beyond the Netherlands later is a config change, not a rebuild.

Privacy by design

open-banking.io is zero-knowledge: credentials and account data pass through without us retaining them, and there are no eIDAS certificates for you to purchase, register or renew. Your integration stays lean and your compliance surface stays small.

Pricing

All of this runs at roughly EUR 3 per month — flat, predictable, and covering the full bank network rather than a single institution.

FAQ

Do I need a licence to read N26 data?

No. open-banking.io operates the regulated layer, so you consume the API without holding your own permissions.

How often can I refresh N26 transactions?

As often as your use case needs within the active consent — pull on a schedule or on demand until the 180-day period ends.

Are business N26 accounts included?

Yes. Both personal and business N26 accounts in the Netherlands connect through the same flow.

Ready to start syncing N26? Visit open-banking.io.