How to Convert N26 Bank Statement to Excel — 3 Steps
1
Download from N26 App or Web
Open the N26 app, tap Profile → Statements, select the month, and download the PDF
2
Upload & Convert
Upload the PDF — N26 PDFs are not password-protected, upload and convert instantly
3
Download Excel or CSV
Get a clean .xlsx or .csv with Date, Merchant, Amount, and Balance — ready for tax or bookkeeping
How to Download Your N26 Bank Statement PDF
Via the N26 App
- Open the N26 app on your smartphone
- Tap Profile (bottom-right icon) → Statements (Kontoauszüge)
- Select the month you want (N26 stores up to 12 months)
- Tap Download — the PDF is saved to your device or shared directly
Via N26 Web
- Log in to app.n26.com
- Click your account name → Statements
- Select the month → Download PDF
✅ No password needed: N26 bank statement PDFs are NOT password-protected. Simply download from the app or web and upload directly to our converter.
About N26
N26 is a German mobile-only bank (Digitalbank) founded in 2013 in Berlin by Valentin Stalf and Maximilian Tayenthal. Unlike fintech EMIs such as Wise or Revolut, N26 holds a full German banking licence (Banklizenz) issued by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) and supervised by the European Central Bank (ECB). This is an important distinction — N26 deposits are covered by the German Deposit Protection Fund (Einlagensicherungsfonds) up to €100,000 per customer.
N26 serves over 8 million customers across more than 24 European countries including Germany, Austria, France, Spain, Italy, the Netherlands, Belgium, Portugal, Ireland, Finland, Estonia, and more. N26 issues German IBANs (DE…) to all European customers, accepted for SEPA credit transfers and direct debits (Lastschriften) across the entire Eurozone.
N26 also operates in the United States (as N26 US, FDIC-insured), though the US and European products are separate entities.
Supported N26 Account Types
- N26 Standard — free EUR current account with German IBAN, Mastercard debit card, 3 free ATM withdrawals/month
- N26 Smart — paid tier with Spaces sub-accounts, 5 free ATM withdrawals/month, and rounding features
- N26 You — mid-tier plan with travel insurance (Allianz) and 5 free ATM withdrawals/month in EUR
- N26 Metal — premium plan with metal card, extended travel and purchase protection, 8 free ATM withdrawals/month
- N26 Business — business current account for freelancers (Freiberufler) and self-employed (Selbstständige), 0.1% cashback on all card purchases
- N26 US — US dollar (USD) checking account for American customers
What the Conversion Looks Like — Before & After
| Before → After Comparison |
|---|
| Raw PDF (N26 Kontoauszug) |
Clean Excel Output |
| 01.06.2026 Gehalt/Überweisungseingang/SIEMENS AG MÜNCHEN +EUR 4,800.00 EUR 6,210.00 |
Date: 2026-06-01
Description: Gehalt — SIEMENS AG MÜNCHEN
Credit: €4,800.00 Balance: €6,210.00 |
| 07.06.2026 Lastschrift/Miete Juli 2026/Hausverwaltung GmbH -EUR 1,250.00 EUR 4,960.00 |
Date: 2026-06-07
Description: Lastschrift — Miete Juli 2026 / Hausverwaltung GmbH
Debit: €1,250.00 Balance: €4,960.00 |
| 18.06.2026 N26 card — Rewe Markt Berlin -EUR 78.40 EUR 4,881.60 |
Date: 2026-06-18
Description: N26 card — Rewe Markt Berlin
Debit: €78.40 Balance: €4,881.60 |
Why Europeans Convert N26 Statements to Excel
🏠 Rental Applications (Wohnungsbewerbung) in Germany
German landlords and Hausverwaltungen routinely request 3 months of bank statements (Kontoauszüge) as part of the Bewerbungsmappe for apartment rentals. N26 is a BaFin-licensed bank and its statements are accepted as official Kontoauszüge for rental applications in Germany, Austria, and other DACH countries.
📋 German Tax Return (Steuererklärung)
For German tax returns (Steuererklärung) filed via ELSTER or tax software such as WISO Steuer or Taxfix, freelancers and Arbeitnehmer use N26 statements to identify deductible work-related expenses (Werbungskosten), home office costs (Arbeitszimmer), and business travel expenses (Reisekosten). Converting to Excel makes expense categorisation significantly faster.
🇸🇬 Schengen and International Visa Applications from Europe
N26 is a BaFin- and ECB-regulated bank. Its statements are accepted at all embassies in Germany and across the EEA for visa applications, including Schengen visa extensions, non-EEA visa applications, and non-EU national residence permits (Niederlassungserlaubnis) in Germany.
💼 Freelancer (Freiberufler) Bookkeeping
N26 Business account holders — freelancers, consultants, and self-employed individuals in Germany — use our converter to prepare monthly bookkeeping records in Excel for import into Lexoffice, DATEV, or SevDesk, or for submission to their Steuerberater.
📊 Budgeting and Personal Finance
N26 users across Europe convert monthly statements to Excel to run personal budget analyses, track spending categories, identify subscription costs, and prepare annual financial summaries.
Frequently Asked Questions
How do I download my N26 bank statement PDF?
Via the N26 app: Profile → Statements → select month → Download PDF. Via N26 Web (app.n26.com): log in → Statements → select month → Download PDF. N26 stores up to 12 months of monthly statements. No password is required on the downloaded PDF.
Is there a password on N26 bank statement PDF?
No. N26 bank statement PDFs are not password-protected. Download directly from the N26 app or web portal and upload to our converter without entering any password.
Is N26 a real bank — is the statement accepted officially?
Yes. N26 holds a full German banking licence (Banklizenz) from BaFin and is supervised by the ECB. It is not an EMI. N26 statements are accepted as official bank statements by German authorities, embassies, landlords, and lenders across the EEA.
Can I use N26 statement for German rental application?
Yes. German landlords and Hausverwaltungen accept N26 Kontoauszüge as official bank statements for Wohnungsbewerbungen. Provide the last 3 months as PDFs. The Excel output is for personal verification — submit the original PDFs for official applications.
Can I use N26 statement for German tax return?
Yes. German Finanzämter accept N26 statements for Steuererklärung documentation. Convert to Excel to categorise deductible expenses and income for Anlage G (freelancers), Anlage S (self-employed), or Anlage N (employees with work expenses).
Does the converter work for N26 Business accounts?
Yes. N26 Business (for Freiberufler and Selbstständige) statements are fully supported. Convert monthly N26 Business statements to Excel for import into Lexoffice, DATEV, SevDesk, or your Steuerberater's system.
What IBAN does N26 use?
N26 issues German IBANs starting with DE, regardless of which EU country you live in (for EEA accounts). The IBAN appears in the statement header and can be used for all SEPA credit transfers and Lastschriften across the Eurozone.
How accurate is N26 statement conversion?
N26 generates clean digital PDFs (not scans), so accuracy is 99%+. All transaction rows — Date, Merchant/Description, Amount, and Balance — are extracted faithfully. Verify against the original PDF for official submissions to Finanzamt or embassy.
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