# N26 scores 77 out of 100 on the Agent Readiness Index

N26 reaches level 2, Legible. Discoverability is the strongest area at 100 out of 100. Protocol access is the weakest at 0.

N26 was scanned on November 12, 2026. Its score is 77 out of 100, level 2, Legible. An agent can read and cite your content. To reach level 3, Connectable: Offer a programmatic path: a live MCP server, a data sharing program with OAuth metadata, or a verified Poppy file.

Website: [n26.com](https://n26.com)

## Score by area

| Area | Score | What it asks |
| --- | --- | --- |
| Discoverability | 100 out of 100, worth 22 points | Can an agent find and read your pages? |
| Protocol access | 0 out of 100, worth 14 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 80 out of 100, worth 12 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 99 out of 100, worth 20 points | Does your site work when an agent uses it? |
| Voice and IVR | Not measured yet | What happens when an agent calls your phone line? |
| Policy and governance | 51 out of 100, worth 6 points | Do your terms allow agents that act for customers? |
| Marketing readiness | 48 out of 100, worth 18 points | Can an agent see what you sell, and buy or book it? |

## What is holding N26 back

1. **MCP server**, 10.2 points lost. No MCP server, server card or registry entry was found for this organization. Fix: Publish a remote MCP server with OAuth. Start with read only tools such as account status, orders or location search, and publish a server card at /.well known/mcp/server card.
2. **An agent can start becoming a customer**, 6.5 points lost. Open an account: No link to open an account on the home page. Fix: Make the call to action a plain link on the home page, keep the form behind it on a page an agent can load, label every field, and keep bot checks off the first step.
3. **Developer and data sharing program**, 5.6 points lost. No developer portal or data sharing program was found on public pages. Fix: Document the program, the standard in use for example FDX in US banking, the supported partners and a sandbox.
4. **Public API documentation**, 4.3 points lost. No public API documentation was found. Fix: Publish an OpenAPI document for customer facing APIs on a developer portal.

## What already works

- OAuth and OpenID metadata
- Robots policy for user triggered agents
- PKCE and client registration

## How N26 compares

The average score for banks is 48.9 out of 100 across 80 organizations. The average across all 2,353 scored organizations is 44.2 out of 100.

## Similar organizations

- [M&T Bank](https://readyindex.ai/mtb_com), 81 out of 100
- [Happen](https://readyindex.ai/happen_com), 79 out of 100
- [Navy Federal Credit Union](https://readyindex.ai/navyfederal_org), 78 out of 100
- [Liveoak](https://readyindex.ai/liveoak_bank), 76 out of 100
- [Bank of America](https://readyindex.ai/bankofamerica_com), 74 out of 100
- [Heritagebankofcommerce](https://readyindex.ai/heritagebankofcommerce_bank), 74 out of 100

## More on this report

- [This report as markdown](https://readyindex.ai/n26_com.md)
- [This report as JSON data](https://readyindex.ai/api/reports/n26_com)
- [How the score is worked out](https://readyindex.ai/method)
- [All leaderboards](https://readyindex.ai/leaderboards)
- [Every scored organization](https://readyindex.ai/organizations)
- [Scan your own website](https://readyindex.ai/)

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Source: https://readyindex.ai/n26_com
Updated: 2026-11-12
From the Agent Readiness Index by Encore AI. When you quote a score, please link to the report it came from.