How to request the average annual balance for your account

As of mid-January, you will find your average annual account balance for the year 2023 in a durable format (PDF) in the "Account statement" section of your app, without the need to contact our Customer Service team.

To download it, log in to your N26 app, from the home screen tap the 3 dots at the top right and select "Account information" > "Download bank statements" > "Annual balance". Here, simply tap the document you need and it will automatically download to your mobile. If you cannot see the "Average annual balance" button, you may need to update your app version.

These bank documents are a declaration by N26 of the data in our files and formally prove your balance, without requiring a handwritten or digital signature to be valid.

Please note that the document is only available in English and that in the same section you will find the average annual balance certificate for all years in which you have had an active N26 account.

Note: In order to download your average annual balance, you will need to update your N26 app (iOS and Android) to version 3.95 or later.

If you need the average annual balance but no longer have access to your N26 account, please contact our Customer Service via chat.

The document that certifies the average annual balance can be used to prove your financial means in an administrative procedure, such as the application for a Permanent Residence Card or for applications for a residence authorization for international mobility (which are authorizations regulated by Law 14/2013, to support entrepreneurs and their internationalization) before the Ministry of Inclusion, Social Security and Migration. You may also need it to prove your balance before a court or private entity.

This document also serves to provide you with the necessary information to fulfill your tax obligations in Spain regarding the declaration of your N26 bank account with a German IBAN.

The average annual balance is the amount obtained by dividing the sum of the daily balances of the current account by 365, regardless of the actual length of the calendar year (leap years), and the number of days the account has been active or had a positive balance.

I would like to receive a signed PDF document with the value of my average annual balance. Is this possible?

We remind you that there are no legal provisions that oblige banks to provide this type of certification. To improve the transparency of our products and your experience in knowing your own financial information, we have decided to send the average annual balance as a private message, so that this data is easily accessible and downloadable by all customers. However, your bank statement, even without a handwritten or digital signature, is sufficient to prove your balance and your movements in case this information is required by administrative or judicial authorities.