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2024 Tax Declaration : How to declare your N26 bank account

As a French resident, you're required to declare any foreign bank account. Read on to learn how to do it.
2 min read

Do I have to declare my N26 bank account?

All French residents who have an account abroad are obligated to declare their bank account. As N26 holds a banking license in Germany, you must declare your N26 bank account to the French tax authorities when you file your 2024 tax declaration if your IBAN starts with DE.

Why do I have to declare my bank account?

French regulation requires you to declare any bank account opened, used or closed out of France when you fill up your yearly tax declaration. Don't forget to fill our your declaration: "Failure to declare a bank account opened abroad is liable to a modification of € 1,500 which can be reached at € 10,000 when the account is opened in a State which has not concluded an administrative assistance agreement with France allowing access to banking information (CGI art 1649 A, 1736 IV) ”.

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Here's how to declare your account

The declaration of your taxes for 2024 concerns the 2023 fiscal year. Therefore, you will have to declare your N26 account if you opened and used it in 2023, or if you closed it during this previous year.The declaration of the use, opening, or closure of your account is done directly in the online declaration form of your 2023 income, accessible from your personal space on the official tax authority website.
  1. When completing the information regarding your "income and expenses" requested in Step 3, go to the "Divers" section. You will have to tick the box 8UU "Comptes à l'étranger, Revenus de source étrangère, Reprise de réductions ou de crédits d'impôts, Revenus d'activité et de remplacement soumis aux contributions sociales, Revenus du patrimoine exonérés de CSG et de CRDS".
  2. In the "Déclarations annexes" window which appears, tick the box for the Cerfa form N° 3916 -3916 bis"Déclaration par un résident d’un compte ouvert, détenu, utilisé ou clos à l’étranger".
  3. Access the form by clicking on “Annexe n° 3916-3916 bis” at the top left of your screen.
  4. After clicking through, and if the form is not pre-filled, you will have to indicate how many accounts you want to declare. Indicate "1" if your N26 account is the only foreign account that you opened, used or closed in 2020.
(If your account already appears because it has been declared in the past and if it is still open, you will simply need to make sure the information is correct and click on "Report").
  1. Fill in the Cerfa form indicating the information below for your N26 account
To make it easier, you can copy and paste the following information:
  • Caractéristiques du compte : Compte courant
  • Date d'ouverture :
  • Désignation de l'organisme gestionnaire du compte : N26 Bank AG
  • Adresse de l'organisme gestionnaire du compte :
    • Pays : Allemagne
    • Complément d'adresse : -
    • Rue : Voltairestrasse 8
    • Indicatif pays - Code postal - Ville : 10179 Berlin
And that's it!If you have any questions, our specialists are here to help you : you can contact our Customer Service from the Livechat of your N26 app or by email.

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Simplify paying your taxes with N26

Need to file taxes but don’t know where to start? With N26, you can pay your taxes quickly and hassle-free: from income tax returns, self-employed fees, investment and cryptocurrency trading commissions, to expat taxes—everything from the mobile app, without leaving home. Organize your expenses with personal and self-employed accounts using real-time notifications and smart tools like statistics, so you won’t miss any details of your tax obligations and stay compliant with the tax authorities. Keep your finances up to date and file your taxes headache-free with N26.

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