How are bank statements created?
Each time you make a transaction, your bank makes a record of it. These records are then compiled to create a bank statement. Usually covering a one-month period, statements include your incoming salary or payments, any transfers or deposits made, and cash withdrawals. They also provide a starting and end balance, so that you’ve got a clear idea of where your finances are at the close of the month compared to its start.

What information is on a bank statement?
At the top of the statement, you’ll usually find your account number, the bank branch provider, your full name and home address, as well as the beginning and ending period of the statement. Next, you’ll find the full list of transactions made within the statement’s timeframe—essentially all payments that came into your accounts, and all outgoing payments. Each transaction will show the date it was processed and may also include some information about who the payment was to or from.How to access your bank statements
Historically, bank statements were sent to customers via post, which sometimes incurred a small service fee. Now, with most banks having a digital presence, electronic statements are more commonly used. E-statements are a convenient way to view your account activity without the messy paperwork, and your financial data is securely stored. Some banks let you opt-in to receive emails with your statements attached, or you can view them directly via your online account or smartphone app. For quick and convenient access to your bank statements, why not open an N26 account? With N26, your e-statements can be accessed quickly right on your smartphone.How to read a bank statement
Your bank statement is packed with information that can help you better understand and manage your finances. Here’s how to read your bank statement:- Find key information: Start with your account holder details, including your name, address, and account number, along with the statement period.
- Review transactions: Go through the list of transactions, noting the dates, descriptions, and amounts for deposits and withdrawals. Categorize these to understand your spending.
- Check balances: Look at the opening balance and the closing balance to track your financial position over the statement period.
- Look for fees: Identify any bank fees or charges you paid during the month, so you can avoid unnecessary costs in the future.
- Check the details: Ensure all transactions are correct and match your records. Report any discrepancies to your bank right away.
Using bank statements as official documents
Bank statements can also be used as official documents for verification purposes. For example, if you ever need to apply for a personal loan, your bank statement is a great document to verify your identity and show proof of your income. It’s always a good idea to keep records of your bank statements in case you ever need to reference your financial records. If you can’t locate them, don’t fret. Luckily, your bank is legally required to hold onto your statements for at least five years.

Use your bank statement to level up your budgeting
Your bank statement is your secret weapon for budgeting smarter and setting achievable savings goals. With N26, you can easily access transaction information from your smartphone or download your statements as PDFs. Once you have your statement in front of you, here are a few steps you can take to improve your budgeting:- Start by analyzing your transactions. Categorize expenses into fixed — like rent and utilities — and variable, like groceries and entertainment. This helps you identify spending patterns and areas for potential cost savings.
- Next, compare your income and expenses to figure out how much you can realistically save. This could be for building an emergency fund or saving for a vacation.
- Regularly review your statements to monitor your progress and adjust your budget as needed.
Using bank statements to set saving goals
Using your bank statement to review your spending habits is a great way to help you identify possibilities for saving. Looking at a full overview of your spending gives you the chance to see where you could stand to cut back or tweak your spending habits. At N26, not only can you quickly and simply access your transaction information via your smartphone, you can also download your statements in PDF form. Want to learn more? Discover our top budgeting tips here.
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Bank statements with N26
At N26, you can track your financial activity as often as you want—hourly, daily, or weekly! Easily view transactions via your mobile or web app—and rest assured that all your bank statements are securely and safely stored for your peace of mind.To view your statements, open your home screen and click through on the three horizontal bars, then tap the ‘Balance Statement’ tab. Log into your N26 account today to get accessible reports in just a few taps.
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Your money at N26
At N26, we understand that transparency and simplicity are key for our customers. All our accounts provide you with detailed statements, so you can always see where your money is going. Making our customers’ data secure is our top priority, so rest assured your account history is securely logged and never shared with anyone.Contact us immediately if you ever believe your account has been compromised—our Customer Support team is always here to help.
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