Is there an official N26 API or N26 MCP server?

No. N26 offers no MCP server of its own and no public API for its customers (as of October 2026). Its PSD2 interface is open only to licensed providers; BankingMCP uses it through finAPI.

Can I build an N26 MCP myself with my own PSD2 credentials?

Not as an individual. PSD2 access to N26 requires a licence and a qualified eIDAS certificate, which only regulated companies can get.

Isn't uploading my N26 statement as a CSV enough?

For a one-off analysis, yes. But the file only shows the state of the export, and every new question means another export. With BankingMCP your assistant fetches the transactions itself.

Does my assistant see my N26 Spaces?

Spaces with their own IBAN are accounts of their own (Smart, You and Metal, up to ten). When you connect N26, the form lists the accounts N26 shares; every one you select there, your assistant sees with its balance and transactions.

Does it work with N26 Business?

Yes. An N26 Business account connects the same way as a personal one, and your assistant can answer across both.

The Model Context Protocol is an open standard that lets AI assistants like Claude or ChatGPT use outside tools. BankingMCP makes your N26 account available as an MCP server, so your assistant looks up balances and transactions directly instead of you uploading bank statements.

Does BankingMCP support N26?

Yes. N26 is listed in the bank directory with a XS2A (PSD2) interface, which is how BankingMCP connects. The live check on this page confirms your exact institution.

Do I need to install an app to use N26 with Hermes Agent?

No. BankingMCP runs in the browser on any computer or phone. You connect N26 once, then add one address to Hermes Agent.

Does my assistant see my N26 balance?

Yes, along with your transactions. Your assistant reads the balance when it asks, together with the time N26 last delivered it.

How up to date are my N26 transactions?

Your assistant fetches your balance and transactions with every question and gets them as N26 last delivered them, with a timestamp. If the N26 consent expires, it only sees the last state until you log in again – and tells you so.

Can I use N26 together with other banks?

Yes. Connect up to 50 accounts across several banks, personal and business. Your assistant answers across all of them, and the price stays at €5 a month.

Does my assistant see my N26 login?

No. You log in at N26 in its own web form. Neither BankingMCP nor your assistant ever receives your PIN, password or TAN.

Do I need programming skills to use N26 with Hermes Agent?

No. You connect N26 in the browser and add one address to Hermes Agent. Every assistant has a step-by-step guide.

Can my assistant transfer money from my N26 account?

No. The connection is read-only and has no payment tool. Payments are planned as a separate feature, where you approve every transfer in your own banking app.

What happens if I want to cut off access?

Each assistant has its own address. Deactivate or remove the one you gave Hermes Agent and it stops working immediately, without touching your other assistants.

Neobank · Setup guide

Connect N26 to Hermes Agent

This guide gives Hermes Agent read-only access to your N26 account. You sign in to N26 once in its own web form, add BankingMCP to Hermes Agent, and ask about balances and transactions. No app, no code.

BankingMCP€5 a month

Short answer

Yes, N26 works. It is in the bank directory BankingMCP connects through, via XS2A (PSD2). Your assistant gets your balance and transactions, read-only, for €5 a month after a 7-day free trial. Nothing to install. Hermes Agent reads your N26 accounts through BankingMCP: list accounts, read balances, search transactions. It cannot move money.

Connect N26 to Hermes Agent now →

7 days free, then €5 a month. Cancel anytime.

Guide: connecting N26 to Hermes Agent

Two parts, about five minutes: first you share your N26 accounts with BankingMCP, then you add BankingMCP to Hermes Agent.

Share N26 with BankingMCP

Create a BankingMCP account and start the 7-day free trial. You add payment details at Stripe, and you pay nothing if you cancel within the trial.
In BankingMCP, search for “N26” and sign in to N26 in its own web form. Your banking credentials never reach us.

Add BankingMCP to Hermes Agent

In BankingMCP, add Hermes Agent as an assistant and copy its personal MCP address.
Add the entry shown here to ~/.hermes/config.yaml.
Run /reload-mcp in Hermes or restart it. The tools appear as mcp_bankingmcp_….
Ask Hermes Agent your first question, for example: “What's the balance on my N26 account right now?”

~/.hermes/config.yaml

mcp_servers:
  bankingmcp:
    url: "https://banking-mcp.com/api/mcp/<your-token>"

This address is an example. You get your own after signing up, and it works like a password.

Full Hermes Agent guide →

Good to know about N26

N26 asks you to confirm the login on the phone paired with your N26 account, as it does for every new login.
If you share several accounts at N26, your assistant sees all of them. You can add more accounts later with one click.
Banks ask you to confirm access again after a set period. BankingMCP shows you when the N26 consent expires; after that you log in once more.

Connect N26 to Hermes Agent now →

7 days free, then €5 a month. Cancel anytime.

Check N26

Answered live from the bank directory. If your exact institution shows up here, BankingMCP can connect to it.

Searching…

Is there an official N26 MCP server?

No. N26 offers no MCP server of its own and no public API for its customers (as of October 2026). Its only official interface is PSD2 access, which only licensed providers with a qualified eIDAS certificate may use. So you can't build an N26 MCP with API keys of your own.

What else exists are unofficial clients that rebuild the N26 app's undocumented interface. We found no ready-made N26 MCP server on GitHub, and the best-known client has been archived since 2023. BankingMCP takes the regulated route: the connection runs through finAPI, a BaFin-supervised account information service with PSD2 access to N26. Your assistant gets read-only access to accounts, balances and transactions – with nothing to install and no password in a config file.

Three ways to use N26 with Claude or ChatGPT

BankingMCPUnofficial N26 clientUploading a CSV export

Access

BankingMCP

N26's PSD2 interface through finAPI, a BaFin-supervised account information service

Unofficial N26 client

Rebuilt, undocumented interface of the N26 app

Uploading a CSV export

A file from the N26 web app that you upload to the chat

Email and password

BankingMCP

Only when you log in through finAPI – never at BankingMCP or in the chat

Unofficial N26 client

In environment variables or a config file on your computer; you approve every login in the app

Uploading a CSV export

Stay with N26

Setup

BankingMCP

Add one address to Claude or ChatGPT

Unofficial N26 client

Install a library locally and wire it up as an MCP server yourself

Uploading a CSV export

Download the export and upload it, again for every question

How current

BankingMCP

Your assistant fetches the accounts itself, with the time of the last refresh

Unofficial N26 client

As long as the rebuilt interface keeps working

Uploading a CSV export

As of the export

What the assistant sees

BankingMCP

Accounts, balances and transactions

Unofficial N26 client

Depending on the client: balance, transactions, cards

Uploading a CSV export

The transactions in the file

Terms and support

BankingMCP

A paid service with support

Unofficial N26 client

No support and not affiliated with N26; the best-known client is archived

Uploading a CSV export

Free, but manual

Based on N26's offering, the public READMEs of unofficial N26 clients on GitHub and a search for N26 MCP projects, as of October 2026. Projects change; check the current state before you hand anyone your N26 password.

N26: BIC, bank code and connection

BIC: NTSBDEB1XXX
Bank code: 10011001
Seat: Berlin
Connection: XS2A (PSD2)
You log in with: Shown in the bank's own web form
Pending transactions: Not available
Standing orders: Available

From our copy of the bank directory, so it can lag behind a change at the bank. The check above is live.

What N26 looks like in Hermes Agent

You

Which subscriptions are still charging my N26 account, and what do they cost a year?

Hermes Agent

search_transactions· N26 · last 12 months

Seven subscriptions charged your N26 account in the last 12 months, together €1,086.40 a year. Two of them do the same job: you pay for two cloud storage plans.

Example conversation with fictional names and amounts.

What you can ask Hermes Agent about N26

“What's the balance on my N26 account right now?”
“How much did I spend on groceries last month?”
“Which subscriptions are still charging my N26 account?”
“Did both tenants pay their rent this month?”

Connecting N26 through regulated bank access

Read-only. Over MCP your assistant only gets read tools: it can list accounts, read balances and search transactions. There is no payment tool in this connection.
You log in at N26 itself. Access runs through finAPI, a PSD2-licensed account information service, and your banking credentials never reach BankingMCP.
BankingMCP doesn't keep your balances and transactions; it fetches them for each question your assistant asks. Only account details and an access log, kept for 90 days, are stored.
Every assistant gets its own address. Deactivate one and its access to your N26 account stops immediately.

Questions about N26

Is there an official N26 API or N26 MCP server?: No. N26 offers no MCP server of its own and no public API for its customers (as of October 2026). Its PSD2 interface is open only to licensed providers; BankingMCP uses it through finAPI.
Can I build an N26 MCP myself with my own PSD2 credentials?: Not as an individual. PSD2 access to N26 requires a licence and a qualified eIDAS certificate, which only regulated companies can get.
Isn't uploading my N26 statement as a CSV enough?: For a one-off analysis, yes. But the file only shows the state of the export, and every new question means another export. With BankingMCP your assistant fetches the transactions itself.
Does my assistant see my N26 Spaces?: Spaces with their own IBAN are accounts of their own (Smart, You and Metal, up to ten). When you connect N26, the form lists the accounts N26 shares; every one you select there, your assistant sees with its balance and transactions.
Does it work with N26 Business?: Yes. An N26 Business account connects the same way as a personal one, and your assistant can answer across both.
What is MCP?: The Model Context Protocol is an open standard that lets AI assistants like Claude or ChatGPT use outside tools. BankingMCP makes your N26 account available as an MCP server, so your assistant looks up balances and transactions directly instead of you uploading bank statements.
Does BankingMCP support N26?: Yes. N26 is listed in the bank directory with a XS2A (PSD2) interface, which is how BankingMCP connects. The live check on this page confirms your exact institution.
Do I need to install an app to use N26 with Hermes Agent?: No. BankingMCP runs in the browser on any computer or phone. You connect N26 once, then add one address to Hermes Agent.
Does my assistant see my N26 balance?: Yes, along with your transactions. Your assistant reads the balance when it asks, together with the time N26 last delivered it.
How up to date are my N26 transactions?: Your assistant fetches your balance and transactions with every question and gets them as N26 last delivered them, with a timestamp. If the N26 consent expires, it only sees the last state until you log in again – and tells you so.
Can I use N26 together with other banks?: Yes. Connect up to 50 accounts across several banks, personal and business. Your assistant answers across all of them, and the price stays at €5 a month.
Does my assistant see my N26 login?: No. You log in at N26 in its own web form. Neither BankingMCP nor your assistant ever receives your PIN, password or TAN.
Do I need programming skills to use N26 with Hermes Agent?: No. You connect N26 in the browser and add one address to Hermes Agent. Every assistant has a step-by-step guide.
Can my assistant transfer money from my N26 account?: No. The connection is read-only and has no payment tool. Payments are planned as a separate feature, where you approve every transfer in your own banking app.
What happens if I want to cut off access?: Each assistant has its own address. Deactivate or remove the one you gave Hermes Agent and it stops working immediately, without touching your other assistants.

Banks related to N26

The same connection works for these. Each guide is set up for Hermes Agent.

More assistants for N26

Same N26 connection, another assistant. Each guide follows that assistant's own settings.

Use Hermes Agent with another bank

Every bank runs on the same plan for €5 a month. Connect several and Hermes Agent answers across all your accounts at once.

All banks →

Ready to connect N26 to Hermes Agent?

7 days free, then €5 a month. Cancel anytime.

Connect N26 to Hermes Agent now →