Bank statement CSV format
A good bank statement CSV format is boring on purpose: one header row, one row per transaction, ISO dates and plain decimal amounts. Here is the exact layout the converter produces, plus a template you can download.
Column order
| Column | Example | Rule |
|---|---|---|
| Date | 2026-08-03 | YYYY-MM-DD |
| Description | Office supplies | Text; quoted if it contains the delimiter |
| Money out | 84.60 | Positive decimal, empty if not an outflow |
| Money in | Positive decimal, empty if not an inflow | |
| Balance | 3615.40 | As printed; empty if the bank shows none |
| Source page | 1 | Optional |
Example bank statement CSV
Date,Description,Money out,Money in,Balance,Source page 2026-08-02,Client payment,,1200.00,3700.00,1 2026-08-03,Office supplies,84.60,,3615.40,1 2026-08-05,Software subscription,29.00,,3586.40,1
Single amount layout
Some tools expect one signed Amount column. In that bank statement CSV format, money in is positive and money out is negative, for example -84.60.
Delimiter and encoding in the bank statement CSV format
- UTF-8 with a byte-order mark, so Excel shows accents correctly.
- Comma by default; semicolon for regions where the comma is the decimal separator.
- Line endings are CRLF for maximum compatibility.
Common mistakes in bank statement CSV files
- Dates like 03/08/2026 that software reads as March instead of August.
- Currency symbols or thousands separators inside amounts.
- Total or balance rows mixed between transactions.
- Descriptions starting with = that spreadsheets execute as formulas.
Try it with your own statement
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