Created attachment 165986 [details]
here you see "explorer... .jpg" from KMyMoney's XML-Storage plugin. Other two are when trying to decrypt with Kleopatra or within application with SmartCard / security key

SUMMARY
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When decrypting PGP encrypted vault with a security key, I get following error: 
### Cannot read the file: path/to/my/file /home/abuild/rpmbuild/BUILD/kmymoney-5.1.3/kmymoney/plugins/xml/xmlstorage.cpp:140

When I use OpenPGP keys that are stored on the device, so that cleopatra lists them, it works fine. 
If I have the same private keys on the security key (such as nitrokey), it gives me this error.

*Please read additional information.*

STEPS TO REPRODUCE
1. Generate keys on device or directly on the security key / smartcard.
2. When exporting the vault to XML, encrypt it with public key, whose private key resides only on the smartcard /security key.
3. Try to open the vault, the error appears.

OBSERVED RESULT

The same as in Summary

EXPECTED RESULT
The same result as with private key stored on device.


SOFTWARE/OS VERSIONS
Windows: 10 Pro
macOS: 
Linux/KDE Plasma: 
(available in About System)
KDE Plasma Version: 
KDE Frameworks Version: 
Qt Version: 

ADDITIONAL INFORMATION
I tried to achieve this with other programs that support PGP encryption and it worked.
I think the reason for this is the version of gpg interface used by plugin. I think this is correct, because the UI looks much older than when I'm trying on other programs. It may be because the GPA is not shipped within gpg4win anymore. Probably if Kleopatra would be used for decryption, it should work. 
If you look at screenshots the plugin KMyMoney uses is called "pinentry" and kleopatra uses "pinentry-qt".