How To Export N26 Transactions To CSV

N26 lets you export up to 90 days of transactions as a CSV file — but 3 structural limits mean multi-account users still end up with incomplete data.

Getting your N26 transaction history into a spreadsheet takes under two minutes. The export lives inside the app and the web interface, and the format is straightforward. The problem is not the process — it is what the file does not include, and what happens when you try to reconcile it against accounts at other banks.

Why This Matters If You Have More Than One Account

PSD2 — the EU directive that lets an aggregator connect to a bank at all — determines how banks must classify and report transaction data. In Portugal, it is enforced by Banco de Portugal; in Spain, by Banco de España.

N26 operates under a German banking licence but serves Portuguese and Spanish customers fully. Its export function is governed by the same regulatory framework. That means the file you download is standardised — but it is also limited to N26’s own ledger, nothing more.

How To Export Your N26 Transactions

This is the actual process, on both mobile and web:

Open the N26 app, tap your profile icon, then go to Account → Bank Statements & Documents.
Select the month you want, choose CSV as the format, and download the file.
On the N26 web app (app.n26.com), log in, go to Account, then Documents — the same monthly exports appear there.
To export a custom date range, use the Transaction History filter, set your dates, and select Export as CSV.
Open the file in Excel or Google Sheets — columns are date, payee, account number, transaction type, and amount.
Strip any transfers between your own accounts before summing expenses — N26 labels these as “Outgoing Transfer” and they will overstate your spending if you leave them in.

The 90-day limit on custom exports is the binding constraint. Monthly statements go back further, but each is a separate file. If you want a full year, you are downloading twelve files and merging them manually.

That is the process. It works.

What the CSV File Does Not Tell You

The export gives you a clean ledger of N26 activity. It does not give you a picture of your finances.

If you hold a Millennium BCP current account, an ActivoBank savings account, and an N26 card for online spending, your N26 CSV might cover only a fraction of your actual cash flow. The rest requires separate exports from separate institutions, in formats that do not always align.

Category labels in the N26 CSV are N26’s own classifications. They do not match INE Portugal or Banco de Portugal household expenditure categories, and they will not match the categories in any other bank’s export either. Reconciliation across files is manual work.

That is the real limitation.

The Counterargument: Just Use the PDF Statements

Some readers will argue that PDF bank statements are the standard, CSV is a bonus, and manual reconciliation is simply the price of multi-banking. That is a fair point — PDF statements are legally recognised and widely accepted for tax and mortgage purposes.

But PDF statements are not the tool for financial tracking. You cannot filter, sort, or sum a PDF without converting it first. If your goal is understanding your actual spending across accounts, CSV is correct and PDF is the wrong format. The question is how many CSVs you need.

So What: Build the Full Picture, Not Just One File

If you want to know what you actually spend each month, MyCFO pulls your N26 transactions alongside your other accounts automatically — no manual CSV merging required.

“On the N26 web app (app.n26.com), log in, go to Account, then Documents — the same monthly exports appear there.”

If you are doing this manually, here is the discipline that makes it accurate:

Export N26 CSV for the full period — use monthly statements for anything beyond 90 days.
Export equivalent files from every other account: ActivoBank, Revolut, your primary bank.
Merge all files into one sheet, adding a “source account” column to each row.
Delete every row where money moved between your own accounts — those rows record transfers, not expenses.
Sum by category across the merged file to get your actual monthly spending.

Multi-account users who skip step 4 routinely overstate their monthly expenses — the duplicate entries from internal transfers inflate both income and spending figures at the same time.

Do that once and you will see why the N26 CSV alone is not enough.

Frequently Asked Questions

Can I export more than 90 days of N26 transactions in one CSV file?

N26 caps its custom CSV export at 90 days per file. For longer periods, download individual monthly statements from the Documents section of the app or web interface — each covers one calendar month. To build a full year’s history, download and manually merge twelve files. N26 offers no bulk annual export option.

How do I handle N26 transaction exports when I have accounts at multiple banks?

Export a CSV from each bank separately, then merge them into one spreadsheet. Add a column labelling the source account for every row. Before analysing, delete all rows representing transfers between your own accounts — N26 labels these “Outgoing Transfer” or “Incoming Transfer”. Leaving them in will overstate both income and expenses. You only get an accurate monthly spend figure after you remove those rows from the combined file.

Does the N26 CSV export work for Portuguese tax purposes (IRS)?

For most IRS filings, Autoridade Tributária accepts PDF bank statements, not CSV files. Use your N26 monthly PDF statements for any official documentation. The CSV export is a personal finance tool, not a tax document. If you have capital gains, interest income, or foreign-source income involving your N26 account, verify the accepted format directly with your tax adviser or through the Portal das Finanças.

Exporting N26 transactions is the easy part — getting one accurate spending number across N26 and your other Portuguese or Spanish accounts is where manual CSV work breaks down. MyCFO connects to N26 and your other banks. It strips inter-account transfers automatically and gives you a single reconciled figure — no spreadsheet required. See your real spending number →