N26 Sweden API Access & Open Banking Integration

Reaching your N26 (Sweden) account data no longer means wrestling with PSD2 certificates or eIDAS registration. open-banking.io connects to N26 alongside 2,600+ other EU and UK institutions, and does it with a privacy model that keeps you — not us — in control of your data. Both personal and business N26 account types are supported, and a single consent stays valid for up to 180 days before you renew it.

What makes this different is the zero-knowledge design. Your encryption keys are generated on your own device, and every piece of account data is decrypted locally. open-banking.io holds only your public key, so our servers can never read your balances or transactions — they only ever see ciphertext.

How to connect N26

Connecting happens entirely inside the open-banking.io dashboard — there's no API call, code, or key involved in this step.

  1. Sign up for open-banking.io and set your encryption passphrase. This generates your key pair locally.
  2. In the dashboard, choose N26 (Sweden) and select your account type — personal or business.
  3. You're redirected to N26's own secure login, where you approve access under PSD2 consent on the bank's screen.
  4. Your accounts sync back into the dashboard, ready to view.

N26 has no BIC listed in our reference data, so simply pick it by name in the dashboard.

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 — 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 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 nothing but ciphertext. Note that the CLI and SDK only read and sync connections you've already made in the dashboard.

All of this runs at around EUR 3/month, with no certificates and no bank-specific onboarding.

Does connecting N26 require an API key?

No. You connect entirely in the dashboard by approving access on N26's own login screen. API keys are only for the optional developer read step afterwards.

Can open-banking.io see my N26 transactions?

No. The service is zero-knowledge and holds only your public key. Your data is decrypted on your device with a private key that never leaves it.

Up to 180 days per approval, after which you re-authorise through N26's login to keep syncing.

Ready to start? Visit open-banking.io.