How to Convert N26 Statements to CSV or Excel

Why Convert N26 Statements?

N26 is a leading European digital bank with over 8 million customers across 24 markets, headquartered in Berlin. Known for its sleek mobile app and fee-free Euro account, N26 serves freelancers, expats, and tech-savvy users who want modern banking without traditional overhead. N26 generates monthly PDF statements that are required for German tax returns (Steuererklärung), freelancer income documentation, and proof of address. While N26's app offers CSV exports, the official PDF statement is the format accepted by German tax offices and most European authorities. BankRead extracts clean transaction data from N26 PDFs automatically.

Understanding the N26 Statement Format

N26 statements use a portrait PDF with a minimalist, modern design. Transactions are listed chronologically with Date, Description, and Amount (positive for credits, negative for debits) in a clean table. The header shows the account holder's name, IBAN, BIC, and statement period. Monthly account summaries appear at the top with opening balance, total in, total out, and closing balance. N26 statements are issued in the language of the account holder's country (German, English, French, etc.) but the structure remains consistent.

How to Convert with BankRead

Follow these steps to convert your N26 PDF statement to CSV or Excel:

1. Download your statement, export a spreadsheet, or take a photo — Get the PDF from your N26 online banking portal (see steps below), export transactions as CSV or Excel, or snap a photo of a paper statement with your phone.
2. Upload to BankRead — Drag and drop the PDF, CSV, Excel, or image on your BankRead dashboard. On mobile, tap "Take Photo" to capture directly with your camera.
3. AI processes your statement — BankRead's AI reads every transaction from text PDFs, spreadsheets, scanned documents, or photos — extracting dates, descriptions, and amounts, then categorizing automatically.
4. Review the extracted data — Check the transaction table on screen to verify the data looks correct. AI categorization is applied automatically.
5. Export to CSV or Excel — Click the export button to download your clean, structured data as a CSV or Excel file.

How to Download Your N26 Statement PDF

1. Open the N26 app or log in at app.n26.com.
2. Go to 'My Account' and then 'Account Statements' or 'Kontoauszüge.'
3. Select the month you need the statement for.
4. Tap 'Download' to get the PDF statement.
5. Save or email the PDF to your computer for uploading to BankRead.

What Data Gets Extracted

BankRead extracts the following fields from your N26 statement:

• Transaction date (DD.MM.YYYY format, European style)
• Description / merchant (e.g., 'REWE MARKT BERLIN' or 'MoneyBeam to Anna')
• Amount (positive for incoming, negative for outgoing)
• Running balance (€)
• IBAN of sender/recipient (when included in description)
• AI-assigned category (e.g., Supermarket, Dining, Rent, Salary, Transport)

Export Options

Once your N26 statement is processed, you can export the data in two formats:

• CSV (Comma-Separated Values) — Ideal for importing into accounting software like QuickBooks, Xero, Wave, or FreshBooks. Compatible with virtually any spreadsheet application including Google Sheets.
• Excel (.xlsx) — Ready-made spreadsheet with formatted columns and headers. Great for custom analysis, pivot tables, VLOOKUP formulas, or sharing with your accountant.

Tips for N26 Statements

• N26 statements use European date format (DD.MM.YYYY) — BankRead preserves this format in the output.
• N26 MoneyBeam transfers include the recipient/sender name in the description — this is captured for reference.
• N26 statements in German, English, French, or other EU languages are all supported structurally.
• N26 Business (for freelancers) statements follow the same format as personal statements.
• The monthly summary section at the top of N26 statements is separate from the transaction list and won't create duplicates.

Common Issues and Solutions

• N26 uses a single Amount column with +/- signs instead of separate debit/credit columns. BankRead separates these into proper Debit and Credit columns in the output.
• N26 statements may show the payee's IBAN for SEPA transfers, making descriptions very long. BankRead preserves the full description for reference.
• N26 Savings Spaces transfers appear as transactions in the main account statement (e.g., 'Transfer to Space: Vacation').

Frequently Asked Questions