N26 API Access (Netherlands) — Open Banking Made Simple

Reaching your N26 (Netherlands) account data no longer means wrestling with eIDAS certificates or PSD2 sandbox registrations. open-banking.io gives you a certificate-free path to your N26 business and personal accounts, part of a network spanning 2,600+ EU and UK banks. Everything you retrieve is decrypted on your own device with a key that never leaves it — the service is zero-knowledge and holds only your public key, so nobody but you can read your statements.

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.

  1. Sign up and set an encryption passphrase. Your key pair is generated locally on your device.
  2. In the dashboard, choose N26 (Netherlands) and select the account type you hold — business or personal.
  3. You are redirected to N26's own secure login, where you approve access under PSD2 consent. open-banking.io never sees your credentials.
  4. Your accounts sync back into the dashboard, ready to view.

N26 grants consent for up to 180 days, after which you simply repeat the approval on N26's screen to keep the connection live. N26 does not publish a BIC in our reference data, so account-type selection in the dashboard is all you need.

Access your data

Once an N26 connection exists, 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections you have already made — they cannot create one. Without your private key, an API key alone returns nothing but ciphertext.

All of this runs for around EUR 3 per month.

Does open-banking.io store my N26 login?

No. You authenticate directly on N26's own login page. The service holds only your public key and never sees credentials or readable data.

Can I connect N26 from the CLI?

No. Connecting is a dashboard-only flow that redirects you to N26. The CLI and SDK read existing connections; there is no connect command.

How long does N26 access last?

Up to 180 days per consent. Re-approve on N26's screen to renew.

Start at open-banking.io.