N26 Portugal API Access & Open Banking Integration

Reaching your N26 account data in Portugal no longer means wrestling with certificates, sandbox registrations, or a Third-Party Provider licence. open-banking.io gives you a single, private route to your N26 balances and transactions across the EU's PSD2 network — more than 2,600 banks — for roughly EUR 3 per month. Whether you bank with N26 for business or personal use, your account information is decrypted on your own device with a key that never leaves it. That is what "zero-knowledge" means here: our servers hold only your public key, so they can store your data but can never read it.

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 at open-banking.io and set an encryption passphrase. Your keys are generated locally on your device at this moment.
  2. In the dashboard, pick N26 from the bank list and choose your account type — business or personal.
  3. You are redirected to N26's own secure login, where you approve access under PSD2. open-banking.io never sees your N26 credentials.
  4. Your accounts sync back into the dashboard, ready to view.

Each consent you grant lasts up to 180 days, after which you simply re-approve on N26's screen. N26 has no public BIC listed in our directory, but none is needed — you select the bank by name.

Access your data

Once N26 is connected, developers can optionally read the data programmatically. On the Developers page, create an API key and export a credentials.json file, which bundles that 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 every response is decrypted locally with your own key — an API key alone only ever returns ciphertext. The CLI and SDK read and sync existing connections; they never create one.

FAQ

Does open-banking.io store my N26 login?

No. You authenticate on N26's own consent screen. We hold only your public key and the encrypted results.

Can I use N26 for a business account?

Yes. Both business and personal N26 account types are supported when you choose during setup.

How long does access last?

Up to 180 days per consent. When it expires, re-approve access in the dashboard in seconds.

Ready to start? Visit open-banking.io and connect N26 in minutes.