N26 API Access for Portugal Accounts | Open Banking

Reading your N26 data in Portugal shouldn't mean scraping screens or wrestling with bank-specific certificates. The open-banking.io API gives you a single, standardised way to pull N26 account information into your own product, spreadsheet, or accounting workflow. Authenticate once, and keep balances and transaction history in sync automatically.

How to connect N26

  1. Create an open-banking.io account and grab your API key.
  2. Select N26 (Portugal) from the supported institutions list.
  3. Redirect the account holder to N26's secure login and strong customer authentication.
  4. Receive the consent token and start requesting data through a single REST endpoint.

No onboarding calls, no eIDAS certificate to provision, no per-bank integration code to maintain.

What data you can access

  • Accounts — both personal and business N26 account types are supported.
  • Balances — current and available amounts, refreshed on demand.
  • Transactions — dated line items with counterparties, references, and amounts for reconciliation or analytics.

Note that a BIC is not available for N26 through this connection, so build your matching logic around account identifiers rather than BIC lookups.

A single N26 consent stays valid for up to 180 days before the account holder needs to re-authenticate, so long-lived syncing is straightforward. N26 is one of 2,600+ banks reachable through the same open-banking.io interface, meaning your integration extends far beyond a single institution across the EU and UK.

Privacy by design

open-banking.io is zero-knowledge: credentials go straight to N26 and are never visible to us, and account data flows through without being stored on our side. Because the platform is certificate-free, you skip the cost and lead time of obtaining and rotating your own open-banking certificates.

Pricing

Access starts at roughly EUR 3 per month — a flat, predictable rate rather than per-call metering, so you can prototype and scale without surprises.

Do I need my own open-banking licence?

No. You connect through open-banking.io's regulated infrastructure, so there's no certificate or licence for you to obtain.

Can I read both personal and business N26 accounts?

Yes. Both account types are supported, and the same endpoints return accounts, balances, and transactions for each.

How often will a user re-authenticate?

Each consent lasts up to 180 days. After that, the account holder simply re-approves access through N26's login to renew the connection.

Ready to start syncing N26 data in Portugal? Explore the docs and sign up at open-banking.io.