N26 API Integration & Open Banking Solutions

OpenData / OpenBanking compliant protocol analysis, API implementation, and source code delivery for Germany/EU markets (PSD2 / GDPR).

Starting price
$300 start
OpenBanking · OpenFinance · PSD2 Compliance · Protocol Analysis

Integrate N26 account data, transactions and payments securely

We deliver practical N26 API integrations for fintechs, accounting platforms, and merchant backends: authorization login, account and balance queries, transaction exports, PISP/AIS scenarios, and automated reconciliation — all compliant, auditable and ready to deploy.

Account & Transaction Data (AIS) — fetch balance, sub-accounts, categorization, and paginated queries; export to CSV/Excel/PDF or sync incrementally.
Payment Initiation (PISP) — PSD2-authorized immediate or scheduled payments with SCA flows and callback handling.
Authorization & Session Management — complete OAuth2 / OpenID Connect token lifecycle, refresh, and callback handling; supports PKCE and mTLS.
Reconciliation & Automation — transaction matching, anomaly tagging, invoice export and CI/CD friendly automation scripts.
Get a Quote / Start Project View Deliverables

Deliverables & Examples

Standard Deliverables

  • OpenAPI / Swagger interface specifications
  • Protocol & authorization flow analysis (login, session, signing)
  • runnable backend samples (Node.js / Python) with deployment guidance
  • Automated test scripts and Postman collections
  • Compliance and privacy recommendations (data minimization, logging, KYC)

Sample: Query Transactions (pseudo-code)

POST /api/v1/n26/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "account_id": "ACCT-12345",
  "from_date": "2025-10-01",
  "to_date": "2025-10-31",
  "type": "ALL",
  "page": 1,
  "page_size": 100
}

Response: {
  "status": "OK",
  "transactions": [
    {"id":"TXN-001","date":"2025-10-02","amount":-12.34,"description":"Coffee Shop","currency":"EUR"},
    {"id":"TXN-002","date":"2025-10-03","amount":1200.00,"description":"Salary","currency":"EUR"}
  ],
  "next_page": 2
}

Key Integration Scenarios

Account aggregation, transaction reconciliation, payments (QR / Scan & Pay), investments and portfolio data exports, webhook events and multi-region deployment.

Security & Compliance

All integrations are performed within the scope of customer authorization or publicly available APIs. We provide data minimization guidance, encryption in transit and at rest, auditing logs, and NDA-ready compliance documentation.

Why choose us for Open Banking

  • Proven experience with cross-border payments and banking compliance
  • OpenAPI, runnable SDKs and CI/CD ready artifacts
  • Multi-language and multi-region deployment support
  • Transparent pricing from $300 with the option to pay on delivery

Getting Started — API Integration Guide

  1. Provide Target App name (for example: N26) and integration scope (AIS / PISP / reconciliation).
  2. Confirm authorization model (OAuth2, API Key, or certificates) and supply test accounts or sandbox access.
  3. We perform protocol analysis and provide interface design and security recommendations (2–5 business days).
  4. Implement APIs and deliver SDKs and test scripts; client validates in sandbox or controlled environment.
  5. Deployment guidance and ongoing support (CI/CD integration, monitoring, etc.).

FAQ

What information is needed?
Provide target App name (already provided), desired features (AIS, PISP, transaction export), whether you have banking or PSD2 authorization, and testing/production access credentials (if any).

How is compliance ensured?
All implementations are based on customer authorization or publicly available APIs, with data minimization, logging, and privacy guidance; NDA or DPA can be provided as needed.

📱 Original App: N26 — Features Overview (collapsed)

Welcome to a bank you’ll love. A minimal design app to manage deposits, savings and investments — trusted by millions.

  • Banking: manage all finances on mobile, virtual cards with Google Pay
  • Instant transfers: Money transfers with MoneyBeam and instant payments
  • Advanced products: upgrade to Smart / Go / Metal accounts with more benefits
  • Shared accounts: joint accounts and individual IBAN
  • Loans & credit: overdrafts and loans (country dependent)
  • Savings & investing: instant savings, Spaces, round-ups and investments
  • Travel & discounts
  • Security: card lock/unlock, spending limits, push alerts and 3D Secure

Notes: The above is a high-level summary for user-facing features; specifics vary by country and account type.