Download your average annual balance certificate

You can download your average annual balance certificate directly in the N26 app. This official document is valid without a signature or stamp. To get started, please make sure your app is updated to the latest version, then follow these steps:

1. Log in to the app and select your initials
2. Select ‘Account details’, then ‘Statements’, and finally ‘Average annual balance’
3. Select the document for the year you need and start the download

If you no longer have access to your N26 account but still need this document, please contact us via visitor chat.

In Italy, the average annual balance is often required for official financial reporting and tax purposes, including:


• Completing the ISEE: This is essential for accessing government benefits and tax breaks. You should enter your balance in the FC.2 section of the ISEE form.
• Proving creditworthiness: This document can help demonstrate your financial status to third parties or government programs.

This document is currently only available in Italian.

We calculate the average balance by adding up your daily account balances for the year and dividing the total by 365. This calculation follows the instructions provided by the Italian Tax Authority and remains the same regardless of leap years or how long the account was active.

If you hold a German IBAN and your average balance is over €5,000, you are required to fill in the RW section of your tax return and pay the IVAFE (a fixed tax of €34.20). While your average annual balance certificate provides the data you need, your regular bank statements are also considered sufficient proof for administrative or judicial authorities.