PSD2 - Open Banking for Third Party Providers

Dedicated Interface

We are partnering with tab) to provide and support a dedicated interface for third-party payment service providers (''TPPs''). The complete documentation and the on-boarding instructions can be found in the developer portal(new tab).

Contingency Mechanism 

As part of its legal obligations under PSD2, N26 has implemented a contingency mechanism, which provides the following:

  1. Reliable identification of a TPP via possession of a valid Qualified Website Authentication Certificate (QWAC);

  2. Secure and authorised access to an account

TPPs may access our contingency mechanism via the following URL:

Access to the above URL and establishing the TLS connection requires implementation of a qualified certificate.

In order to obtain the detailed technical documentation a TPP may contact N26 via and  provide N26 with a valid eIDAS certificate (QWAC). After reviewing the validity of the certificate, N26 will provide a TPP with the requested detailed documentation and support.

Interface Availability and Performance Data

The reports below compare the availability and performance of our PSD2 dedicated interface with the N26 user interface:

3rd quarter of 2019(new tab)

4th quarter of 2019(new tab)