N26 Norway API Access & Open Banking Integration

Reaching your N26 (Norway) account data no longer means wrestling with PSD2 certificates or building your own bank integration. open-banking.io links to N26 through a single, privacy-first dashboard, covering both business and personal accounts. There is no public BIC to configure for N26 here (BIC n/a), so you simply select the bank by name and let the guided flow do the rest.

Everything is built on a zero-knowledge, certificate-free design. Your encryption keys are generated on your own device, and open-banking.io only ever holds your public key — it can never read or decrypt what flows through it. For roughly EUR 3/month you get access to 2,600+ EU and UK banks without maintaining any of the regulatory plumbing yourself.

How to connect N26

Connecting happens entirely inside the open-banking.io dashboard — no API call, code, or key is involved at this stage.

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. This generates your personal keys locally; only you ever hold the private key.
  3. In the dashboard, pick N26 and choose the account type (business or personal).
  4. You are redirected to N26's own secure login to approve access (the standard PSD2 consent screen).
  5. Once approved, your accounts sync into your open-banking.io dashboard automatically.

Your consent stays valid for up to 180 days, after which you simply re-approve on N26's login to keep the connection live.

Access your data

Want to read N26 data programmatically? That's an optional developer step after the connection exists. 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API.

Every request sends the X-Api-Key header, and each response is decrypted locally with your own key. Note that the CLI and SDK only read or sync connections that already exist — they cannot create one. An API key on its own returns only ciphertext; without your private key, the data stays unreadable.

FAQ

Do I need an API key to connect N26?

No. Connecting is done in the dashboard by approving access on N26's login screen. API keys are only for the optional read-access step afterward.

Can open-banking.io see my N26 transactions?

No. It is zero-knowledge and holds only your public key. Data is decrypted on your device with a private key only you control.

Up to 180 days per PSD2 rules, then you re-approve through N26's own login.

Ready to start? Visit open-banking.io.