Where do I download my N26 bank statement?

Sign in to the Web App at app.n26.com, click Home, open your main account, and scroll to the Downloads section. You will see two options. Balance statements are the monthly Kontoauszug in PDF form, generated automatically for each closed month. Account activity reports let you pick any custom date range and download as PDF or CSV. Both are official bank documents under German banking regulation and do not need a signature to be accepted by auditors.

Does N26 issue a separate invoice for my monthly plan subscription?

Not automatically. N26 Smart, You, and Metal subscription fees (and the N26 Business equivalents) post to your account as regular internal transactions. They show on the monthly statement as a line item, but there is no separate invoice PDF generated for the plan itself. If you need a formal invoice with a VAT breakdown (relevant for N26 Business customers in Germany, Austria, France, and other VAT jurisdictions), open Help in the app and ask support to issue one. Turnaround is typically one to two business days.

What is the difference between an N26 balance statement and an activity report?

A balance statement is the official monthly Kontoauszug. It covers one full calendar month and is issued automatically once the month closes, PDF only. An activity report lets you pick any custom start and end date and downloads as PDF or CSV. Balance statements are what banks and tax authorities usually want as the document of record. Activity reports are more useful for reconciling against your bookkeeping when your fiscal period does not line up with the calendar month.

Can I download N26 statements as MT940 or OFX for accounting software?

Not from the Web App directly. N26 offers PDF and CSV as native formats. If your accounting system needs MT940 (the SWIFT bank-statement standard commonly used in Germany and Austria) or OFX, you either convert the CSV using a third-party tool or connect N26 through a PSD2 open-banking aggregator that exposes the feed to your bookkeeping software. Most German accounting packages accept the CSV directly, so check before you add a conversion step.

Are N26 statements in English or German?

Whichever language you have set in the app. N26 is headquartered in Berlin and operates primarily in German, but the Web App supports English, French, Italian, Spanish, and a handful of other languages. The PDF follows your app language setting, not the country of the account holder. Switch under Settings, then Language, if your accountant prefers one over the other. Past statements are frozen in the language they were generated in and cannot be reissued in a different language.

Can N26 Business sole traders and freelancers get the same documents as personal accounts?

Yes, with the same layout and the same Downloads section. N26 Business accounts are open to registered sole traders and freelancers in supported EU countries. The monthly Kontoauszug and the activity reports work identically to personal accounts. The main difference is the fee structure. N26 Business Standard is free, while Business Smart, You, and Metal carry monthly subscription fees that are worth reconciling explicitly on your P&L because they are deductible business expenses.

Does N26 issue an annual tax statement?

Yes. For German residents, N26 issues an annual Steuerbescheinigung covering interest earned and capital-gains tax withheld at source. It lands in the same Downloads section, typically in late January or early February for the previous tax year. For residents of other markets, N26 issues the local equivalent where required by law. If you cannot find it, check Settings, then Documents, or message support. You only get one per year per account.

What happens to my N26 statement history if I close the account?

Self-serve access ends when the account closes. N26 is legally required to retain records for the periods mandated by German banking law (typically ten years), but retrieving historical PDFs after closure means filing a support request rather than clicking through the Web App. Download your full archive before you close the account. The same applies to the Steuerbescheinigung for the final tax year, which may only become available several weeks after closure.

How do I give my accountant access to N26 statements without handing over my login?

N26 personal and Business accounts do not offer team member roles or a separate read-only login for bookkeepers. The account is tied to a single identity-verified user. Practical workarounds. Download statements yourself and share them via a secure file-sharing tool. Or use an open-banking aggregator that can pipe read-only transaction data to your accountant without sharing credentials. Inbox Ledger also captures N26 statements automatically once the bank statement upload feature is pointed at the PDFs.

Why does my N26 Kontoauszug not show a Space I use regularly?

Because each Space has its own statement. The main-account Kontoauszug covers the main balance. Transfers into and out of a Space show as movements between accounts, but the internal activity within the Space (interest, card spend, direct debits attached to the Space) lives on the Space-level document. Open the Space from Home, scroll to Downloads, and pull a statement for it separately. Missing Space statements is the most common gap we see in N26 reconciliation.

How far back do N26 statements go?

Back to the account opening date, for as long as the account is open and active. You can pull a balance statement for any closed month since inception and an activity report for any date range in that window. That said, the Web App is a working archive, not a permanent legal record. German banking law requires customers to keep their own copies for tax-relevant periods (typically ten years for businesses). Rely on your own storage, not on the N26 dashboard, for long-term retention.

Why does my N26 subscription fee sometimes split across two monthly statements?

N26 subscription fees are billed on the anniversary of your upgrade date, not the first of the calendar month. If you upgraded to N26 Metal on the 15th, the fee posts on the 15th each month. Close the books on the last day of the month and half of the subscription period falls into each statement. This is a cosmetic split, not a pricing change. The annual cost stays the same. Use the activity report filtered to your fiscal period if you need clean cutoffs rather than relying on the default monthly PDF.

How to get N26 invoices

Step-by-step guide to downloading your N26 billing documents.

Last verified: 2026-04-24

Step-by-step: download invoices from N26

1
Sign in to the N26 Web App
Go to app.n26.com and sign in with your N26 credentials, confirming on your phone when prompted. The Web App mirrors the mobile app but gives you a bigger screen, which matters once you start downloading paperwork for more than one month. If you hold both a personal N26 account and an N26 Business account under separate logins, make sure you land on the correct profile before you start hunting for statements.
2
Open the main account and go to Downloads
From the Home tab, click into your main account (the Main Account, not a Space). Under the balance summary you will see a Downloads section, which is where N26 keeps every document the bank generates for you. The German UI labels it Dokumente; the English UI uses Downloads. Both land you in the same place.
3
Pick balance statement or activity report
N26 splits its documents into two families. Balance statements are the monthly Kontoauszug, generated automatically at the end of each calendar month, PDF only. Account activity reports cover a custom date range you pick yourself and are available as PDF or CSV. Monthly closes almost always want the balance statement. Tax prep and reconciliation against bookkeeping usually want the CSV activity report.
4
Download the document
For a balance statement, click the month you need and hit Download. For an activity report, set the start and end date, choose PDF or CSV, and click Download. N26 statements are valid official bank documents under German banking law and do not need a signature or stamp to be accepted by auditors. Rename each file with a pattern like period-n26-account so your accountant can find it later.
5
Grab subscription invoices from a different place
Subscription fees for N26 Smart, N26 You, N26 Metal, N26 Business Smart, N26 Business You, and N26 Business Metal are billed monthly. They post to your account as regular internal transactions, not as a separate itemized invoice PDF. If you need a formal invoice for the plan fee (for VAT reclaim on a Business plan, for example), request one through the in-app chat under Help. N26 support issues a PDF invoice on demand within a business day or two.

About N26 billing

N26 is a German neobank. That single fact changes how the paperwork works compared to Wise, Revolut, or any US fintech you may be used to.

The monthly Kontoauszug is a legal document under German banking law. Subscription fees for N26 plans are an internal transaction, not a standalone invoice. Spaces each have their own statement. Miss any of those three details and your month-end close has a gap.

N26 does not issue a separate PDF invoice for the monthly plan fee (Smart, You, Metal, or the Business equivalents). The fee posts as a line on your account statement. If your accountant needs a formal invoice with a VAT breakdown, open Help in the Web App and ask support to issue one. Expect a one to two business day turnaround.

About N26

N26 Bank AG is a German direct bank founded in 2013 by Valentin Stalf and Maximilian Tayenthal, headquartered in Berlin and licensed by BaFin and the European Central Bank. It serves personal customers across most EU countries and offers business accounts for registered sole traders and freelancers. Personal plans range from the free Standard tier through N26 Smart, N26 You, and N26 Metal. Business plans mirror the same structure (Business Standard through Business Metal) at matching price points. Because N26 is an EU-licensed bank rather than an e-money institution, its statements are legal bank documents accepted without a signature by German tax authorities and EU-wide auditors.

Manual vs automated

Manual

Sign in to app.n26.com
Open the main account and go to Downloads
Pick balance statement or activity report
Download one PDF per month plus a CSV per fiscal period
Pull a separate statement for every Space you use
Request a plan invoice from support when needed

Automated with Inbox Ledger

Connect N26 to Inbox Ledger
Monthly Kontoauszug and activity reports land in your dashboard
Export to Drive, Sheets, or your accounting system

Why people stop doing this by hand

A personal account, a single Space, a free plan: the Web App is fine. The pain starts the moment you use N26 as a working business account.

A sole trader on N26 Business Metal with three Spaces (operations, VAT set-aside, tax reserve) has four separate document trails every month. The monthly Kontoauszug lives on the main account. Each Space has its own. The Business Metal subscription fee sits on the main statement as a line, but the accountant wants a formal invoice for it, which means a support chat. Annual tax statements drop in a fourth section once a year and are easy to forget until March.

Multiply that by a freelancer running two N26 accounts (a personal one and a Business one), and the monthly close routine is ten or twelve documents pulled by hand. Most German bookkeepers accept the CSV activity report directly into DATEV or similar, but they still expect the PDF Kontoauszug as the document of record. You download both.

N26 is one of the portals our Chrome Extension auto-detects. Install it, open the N26 Web App, and the extension captures new balance statements and activity reports in the background. No OAuth setup, no bank-credential sharing, no clicking through each Space separately. It works alongside Inbox Ledger's bank statement upload feature, which parses N26 PDFs and CSVs into line-item transactions for reconciliation against your invoices.

Next step

If you use N26 for casual personal banking, the Web App is enough. If you run a freelance or sole-trader business on N26 Business, hold multiple Spaces, or need clean monthly paperwork for a German bookkeeper, connect N26 to Inbox Ledger and let the statements come to you every month.

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No credit card required.

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Quick access

Jump straight to the N26 billing page in a new tab.

Open N26 billing

Where to look in the dashboard

Home → pick Main Account → Downloads is the primary location for balance statements and activity reports
Spaces → open any Space → Downloads holds a separate document trail for each sub-balance
Settings → Documents holds the Steuerbescheinigung (annual tax statement) and other compliance paperwork
Help → chat with support is the only way to request a formal PDF invoice for an N26 plan subscription fee
Settings → Language controls whether future PDFs come out in German or English

Before you start — quick checklist

Balance statement PDF is downloaded for every month in the accounting period you are closing
Activity report CSV matches the exact fiscal period boundaries you reconcile against, not just the calendar month
Subscription fee for your N26 plan (Smart, You, Metal, or the Business equivalents) is reconciled on the statement, even if it lacks a standalone invoice
Document language on the PDF (German or English) matches what your accountant or tax authority expects
If you use Spaces, the main account statement covers the main balance while each Space has its own document trail
The account holder name on the PDF matches the legal entity that owns the account (personal name for freelancers, company name for incorporated businesses)

Pro tips

N26 is a German bank (N26 Bank AG, licensed by BaFin and the ECB). That means statements follow German banking conventions. The monthly Kontoauszug is a legal document of record, and closing the account does not automatically forward historical PDFs anywhere. Download your own copies regularly instead of trusting the Web App as a permanent archive.
Subscription fees for N26 plans are deducted automatically as an internal transaction. If you are on an N26 Business plan and need a formal VAT invoice for the subscription, open Help in the Web App and ask support to issue one. The auto-generated statement shows the charge but not a VAT breakdown suitable for reclaim in Germany, Austria, or other VAT regions.
The document language in the PDF follows the language you set in N26 settings. If your accountant works in English and you set the app to German, future statements will keep arriving in German. Switch the language under Settings, then Language, and future downloads will match.
N26 Business accounts are available to sole traders and freelancers registered in supported EU countries. Incorporated companies are not eligible. If you run a GmbH or similar, N26 Business is not the right product and the statement structure will not match what a company auditor expects.
Spaces (sub-balances within the main account) generate separate activity reports. If you park VAT set-aside or tax reserves in a Space, remember to pull its report separately. Forgetting a Space is a common gap in N26 reconciliation.
Annual tax statements (Steuerbescheinigung for German residents, the equivalent for other markets) are issued once a year and appear in the same Downloads section in late January or February. They summarize interest earned and tax withheld at source. Keep them alongside the monthly statements in your records folder.

Skip this entirely. Automate N26 invoices

Inbox Ledger scans your email for N26 invoices, extracts the data with AI, and syncs it to QuickBooks, Xero, or Google Sheets. No manual downloads.

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How to get N26 invoices

Step-by-step: download invoices from N26

Sign in to the N26 Web App

Open the main account and go to Downloads

Pick balance statement or activity report

Download the document

Grab subscription invoices from a different place

About N26 billing

About N26