N26 Romania API Access & Open Banking Integration

Getting programmatic access to your N26 (Romania) accounts usually means wrestling with certificates, sandbox registrations and PSD2 red tape. open-banking.io removes all of that. It's a single service covering 2,600+ EU and UK banks, where your financial data is encrypted and decrypted on your own device with a key that never leaves you. N26 supports both personal and business account types here, and consent stays valid for up to 180 days before you re-approve.

Whatever you're building — a budgeting tool, reconciliation script or internal dashboard — you start the same way: by connecting N26 in the open-banking.io web dashboard. No endpoint, no API call and no key is involved in that step.

How to connect N26

  1. Sign up for open-banking.io and set your encryption passphrase. Your key pair is generated locally on your device — the service only ever holds your public key.
  2. Open the dashboard and pick N26 from the bank list, then choose whether you're linking a business or personal account.
  3. You're redirected to N26's own secure login, where you approve access under PSD2 directly with the bank. open-banking.io never sees your credentials.
  4. Your N26 accounts and transactions sync back into the dashboard, ready to view.

That's the entire connection flow — done in the browser, driven by N26's consent screen, not by code.

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 — it 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 directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — which is exactly what zero-knowledge means.

All of this runs for roughly EUR 3/month, with no eIDAS certificate to buy or maintain.

Does N26 (Romania) have a BIC on open-banking.io?

No BIC is listed for N26 here — you select the bank directly from the dashboard, so a BIC isn't needed to connect.

Can open-banking.io read my N26 data?

No. The platform is zero-knowledge and holds only your public key. Decryption happens on your device with a private key only you control.

Up to 180 days, after which you simply re-approve access on N26's login screen.

Ready to connect? Start at open-banking.io.