Number26

Number26 — trading as N26 (legally N26 GmbH) — is a German licensed digital bank offering 100% mobile banking to more than 8 million customers across 24 European markets. Founded in Berlin in 2013 and holding a full banking licence from Germany's Federal Financial Supervisory Authority (BaFin), N26 provides current accounts with virtual and physical Mastercard debit cards, instant savings with variable interest, in-app stock/ETF and cryptocurrency investing, real-time spending insights, sub-accounts (Spaces), and travel features such as foreign-exchange and insurance, across a free tier and paid Smart, Go, and Metal plans plus matching business accounts. N26 is a consumer neobank and does not publish a public developer API, developer portal, or API documentation; this API Evangelist profile tracks the company's public web presence.

Number26 publishes 1 API contract indexed on the APIs.io network: Default API. Tagged areas include Company, Fintech, Banking, Neobank, and Mobile Banking.

The Number26 catalog on APIs.io includes 1 Spectral governance ruleset.

Number26’s developer surface includes engineering blog, support, documentation, API reference, authentication, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

35.6/100 thin ▬ flat Agent 23/100 agent aware Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract

Company Fintech Banking Neobank Mobile Banking Payments Europe Germany

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 35.6/100 · thin

Contract Quality 8.7 / 19

Developer Ergonomics 6.1 / 15

Access Clarity 3.2 / 15

Operational Transparency 1.0 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 23/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 21.1 — up to +15.8 composite points
Contract Quality scores 46.3 — up to +13.4 composite points
Developer Ergonomics scores 40.5 — up to +11.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/number26/apis.yml: open an issue on github.com/api-evangelist/number26 to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
EU/EEA Payment and E-Money Institutions (PSD2 passports)	undeclared	-	-	-
DACH and Netherlands Financial Supervisor Registers (BaFin, FINMA, DNB)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Number26 Default API

The default API from Number26 — 9 operation(s) for default.

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

XS2A_N26 default API

OPEN COLLECTION

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Number26 API Rules

39 rules · 37 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Number26 Xs2A Overlay

2 actions · documentation · number26-xs2a-openapi-original.yml

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Number26 Xs2A Authentication

http/mutualTLS · 2 schemes

SECURITY

Number26 Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

DataModel

Conformance

Lifecycle

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Postman

Postman

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Support

Support

Deprecation

Deprecation

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: number26
name: Number26
description: Number26 — trading as N26 (legally N26 GmbH) — is a German licensed digital bank offering 100% mobile banking
  to more than 8 million customers across 24 European markets. Founded in Berlin in 2013 and holding a full banking licence
  from Germany's Federal Financial Supervisory Authority (BaFin), N26 provides current accounts with virtual and physical
  Mastercard debit cards, instant savings with variable interest, in-app stock/ETF and cryptocurrency investing, real-time
  spending insights, sub-accounts (Spaces), and travel features such as foreign-exchange and insurance, across a free tier
  and paid Smart, Go, and Metal plans plus matching business accounts. N26 is a consumer neobank and does not publish a public
  developer API, developer portal, or API documentation; this API Evangelist profile tracks the company's public web presence.
url: https://raw.githubusercontent.com/api-evangelist/number26/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- battery-ventures
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/number26.png
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Banking
- Neobank
- Mobile Banking
- Payments
- Europe
- Germany
apis:
- aid: number26:number26-default-api
  name: Number26 Default API
  description: The default API from Number26 — 9 operation(s) for default.
  humanURL: https://github.com/n26/psd2-tpp-docs
  baseURL: https://xs2a.tech26.de/v1/berlin-group/v1
  tags: []
  tags_raw:
  - default
  properties:
  - type: OpenAPI
    url: openapi/number26-default-api-openapi.yml
  - type: Documentation
    url: https://github.com/n26/psd2-tpp-docs
  - type: APIReference
    url: https://github.com/n26/psd2-tpp-docs
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/number26-domain-security.yml
- type: Website
  url: https://n26.com/en-eu
- type: Blog
  url: https://n26.com/en-eu/blog
- type: Support
  url: https://support.n26.com/en-eu
- type: PrivacyPolicy
  url: https://docs.n26.com/legal/06+EU/03+Privacy%20Policy/en/01privacy-policy-en.pdf
- type: TermsOfService
  url: https://n26.com/en-eu/legal-documents
- type: GitHubOrganization
  url: https://github.com/n26
- type: Documentation
  url: https://github.com/n26/psd2-tpp-docs
- type: APIReference
  url: https://github.com/n26/psd2-tpp-docs
- type: Postman
  url: https://github.com/n26/psd2-tpp-docs/tree/master/doc/assets/postman
- type: Authentication
  url: authentication/number26-xs2a-authentication.yml
- type: Conventions
  url: conventions/number26-conventions.yml
- type: ErrorCatalog
  url: errors/number26-problem-types.yml
- type: DataModel
  url: data-model/number26-data-model.yml
- type: Conformance
  url: conformance/number26-conformance.yml
- type: Lifecycle
  url: lifecycle/number26-lifecycle.yml
- type: Deprecation
  url: lifecycle/number26-lifecycle.yml
- type: X-MCPServerCandidate
  url: mcp/number26-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: Overlay
  url: overlays/number26-xs2a-overlay.yaml
- type: LLMsTxt
  url: llms/number26-llms.txt
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 11
  pass: local-v1

Number26 API — frequently asked questions

Does Number26 have an API?

Yes. APIs.io lists 1 API from Number26, including Number26 Default API.

Is there an OpenAPI specification for the Number26 API?

Yes. APIs.io indexes 1 OpenAPI specification for Number26, each linked for download from this page.

How do I authenticate with the Number26 API?

Number26 uses bearer-token authentication (http/mutualTLS · 2 schemes). The details are profiled on APIs.io as Number26 Xs2A Authentication.

Is the Number26 API ready for AI agents?

Number26 has a Kin Score of 35.6 out of 100 (thin) and an Agent Readiness score of 22.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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