Bank statement examples
Two fictional statements, one US and one UK, with every part labelled. Use them to understand your own statement or to see what the converter extracts. No real bank's layout is reproduced.
Anatomy of a statement
Statements vary in appearance but share the same components. Reading from the top:
- Header
- Bank name, account holder, address, and the account identifiers: account number with a routing number (US), sort code (UK), transit number (Canada), BSB (Australia) or IBAN (Europe).
- Statement period
- From and to dates. Some banks also print the statement date and a page count such as page 1 of 3.
- Summary box
- Opening balance, total deposits or money in, total withdrawals or money out, fees, interest and closing balance. When present, these totals are checked against the transaction table.
- Transaction table
- One row per transaction: date (sometimes transaction and posting dates), description, an amount in a debit or credit column or a single signed column, and usually a running balance.
- Balance lines
- Beginning or brought-forward balance at the top and ending or carried-forward balance at the bottom. They are metadata, not transactions.
- Footer
- Interest rates, fee schedules, dispute instructions and regulatory notices.
Example 1: US checking account with posting dates
Bank: Northgate Bank (fictional)
Account: Everyday Checking ****2210
Statement period: 08/01/2026 to 08/31/2026
Page: 1 of 2
| Trans date | Post date | Description | Withdrawals | Deposits | Balance |
|---|---|---|---|---|---|
| 08/01 | Beginning balance | 8,420.00 | |||
| 08/02 | 08/02 | Payroll deposit ACME Design LLC | 2,500.00 | 10,920.00 | |
| 08/03 | 08/04 | Card purchase Fresh Market #214 Portland OR | 84.17 | 10,835.83 | |
| 08/05 | 08/05 | Check 1042 | 1,200.00 | 9,635.83 | |
| 08/09 | 08/09 | Online transfer to savings ****4471 | 500.00 | 9,135.83 | |
| 08/12 | 08/13 | Online payment City Utilities ref 88213 | 143.20 | 8,992.63 | |
| 08/18 | 08/18 | Mobile deposit | 320.00 | 9,312.63 | |
| 08/31 | 08/31 | Monthly service fee | 12.00 | 9,300.63 | |
| 08/31 | Ending balance | 9,300.63 |
- Two date columns: the card purchase happened on 08/03 and posted on 08/04. Converters keep both; the transaction date is normally used for exports.
- Dates are printed without a year in MM/DD order; the year comes from the statement period.
- Withdrawals and Deposits are separate columns, so signs are unambiguous.
- Check: 8,420.00 + 2,820.00 − 1,939.37 = 9,300.63, and each balance follows from the previous row.
- The description Card purchase Fresh Market #214 Portland OR wraps onto two lines on the printed page; it is merged into one row on extraction.
Example 2: UK current account with money in and money out
Bank: Wexford & Bell (fictional)
Sort code / account: 00-00-00 / ****9187
Statement period: 1 August 2026 to 31 August 2026
Currency: GBP
| Date | Description | Money out | Money in | Balance |
|---|---|---|---|---|
| 01 Aug 2026 | Balance brought forward | 1,250.00 | ||
| 03 Aug 2026 | FPI Hollis & Grey Ltd salary Aug | 2,100.00 | 3,350.00 | |
| 05 Aug 2026 | DD Meridian Energy | 96.40 | 3,253.60 | |
| 08 Aug 2026 | SO Rent Larkspur Lettings | 895.00 | 2,358.60 | |
| 14 Aug 2026 | CPM Brightside Cafe London | 8.75 | 2,349.85 | |
| 21 Aug 2026 | ATM Withdrawal High St | 50.00 | 2,299.85 | |
| 28 Aug 2026 | FPO J Patel ref Birthday | 40.00 | 2,259.85 | |
| 31 Aug 2026 | Balance carried forward | 2,259.85 |
- Dates are day first (DD Mon YYYY). A converter that assumed US order would fail on 14 Aug and misdate the rest.
- Descriptions start with transaction type codes: FPI and FPO (faster payment in and out), DD (direct debit), SO (standing order), CPM (card payment), ATM.
- Check: 1,250.00 + 2,100.00 − 1,090.15 = 2,259.85.
- Money out and Money in are synonyms for debit and credit; the converter maps them by meaning.
What the converted output looks like
Both statements export to the same accounting-profile CSV columns regardless of their printed layout. The UK example becomes:
| Date | Description | Debit | Credit | Balance |
|---|---|---|---|---|
| 2026-08-03 | FPI Hollis & Grey Ltd salary Aug | 2100.00 | 3350.00 | |
| 2026-08-05 | DD Meridian Energy | 96.40 | 3253.60 | |
| 2026-08-08 | SO Rent Larkspur Lettings | 895.00 | 2358.60 | |
| 2026-08-14 | CPM Brightside Cafe London | 8.75 | 2349.85 | |
| 2026-08-21 | ATM Withdrawal High St | 50.00 | 2299.85 | |
| 2026-08-28 | FPO J Patel ref Birthday | 40.00 | 2259.85 |
Balance lines are recorded as statement metadata (opening 1,250.00, closing 2,259.85) rather than as rows, dates are ISO, amounts are plain decimals, and the currency is GBP in the full profile and in the Excel and JSON exports.
How to convert your own statement
- Download the PDF from online banking (see how to download bank statements).
- Upload it to the converter. The page count and document type are shown before conversion.
- Pick CSV, Excel, JSON, OFX or QBO and convert.
- Review flagged rows against the highlighted page, then download.