Convert mBank statements to Excel

How to download mBank history and statements

The mBank transaction service (serwis transakcyjny) offers three different downloads. mBank's history FAQ explains the difference:

• Lista operacji (operation list): Finanse → Historia → Lista operacji. Filter or search, then click eksportuj listę (export list) and choose PDF, HTML or CSV. mBank says this file contains data of a non-accounting nature (dane o charakterze nie księgowym).
• Zestawienie operacji (operation statement): Finanse → Historia → Zestawienie operacji. Pick the account, operation type and date range. Operations are listed in booking order, with values similar to a bank statement, as PDF, HTML or CSV.
• Wyciągi (e-statements): sent to the e-mail address registered with the bank, in the format you chose: PDF, CSV or HTML.

The transaction service shows the last 5 years of history. For anything older, mBank points you to the free Zestawienie operacji.

Which formats mBank offers (and how far back)

Choose CSV over HTML when mBank gives you the option. MT940 is a paid business service: mBank's business pages list a monthly fee of 50 zł per account (October 2026). If you already receive MT940 files, see MT940 to Excel.

Operation list or statement: which one to convert?

For bookkeeping, taxes or a mortgage application, use a statement or the Zestawienie operacji, not the operation list. mBank labels the list non-accounting data. Its history also shows card payments that are still blocked (blokady) and not yet settled, and mBank notes these carry no balance. They can change amount or disappear when they settle, so a list exported mid-month may never match your statement.

Statements list booked operations with an opening and closing balance, which is what our balance check needs: opening balance + money in − money out must equal the closing balance, and the running balance must agree on every row where it's printed. If they don't, the rows to look at are flagged with their page number.

Encrypted Secure PDF statements

If you switched on encrypted statements under Panel ustawień → Bezpieczeństwo → Wyciągi szyfrowane (settings panel → security → encrypted statements), each e-mail carries a single Secure PDF. It's locked with a password you set, and your actual statements are attachments inside it, as mBank describes. To convert one:

1. Open the Secure PDF in a PDF reader such as Adobe Acrobat Reader and enter the password that was valid when the statement was generated. If you've changed it since, earlier passwords are listed on the same settings screen after an SMS confirmation.
2. Open the attachments panel (the paperclip icon) and save the statement file inside: PDF, CSV or HTML, depending on the format you chose.
3. Upload that file. If it still asks for a password, enter it when uploading. The password is used once and never stored.

More on locked statements: how to remove a password from a bank statement PDF.

mBank statement quirks

• Polish number format. Amounts use a comma for decimals and a space (or nothing) between thousands: 1 234,56. Our Excel export turns them into real numbers.
• Dates appear as DD.MM.YYYY or YYYY-MM-DD. You pick the date format of your export.
• Several accounts in one statement. mBank's statement covers the balance and transactions of the accounts held within your konto, such as a main account plus a savings or currency account. With us, each account becomes its own statement and is balance-checked separately.
• CSV encoding. Polish bank CSVs often use the Windows Central European code page. If letters like ą, ł or ś look wrong after upload, open the CSV in Excel through Data → From Text/CSV with file origin 1250: Central European (Windows), save it as CSV UTF-8 and upload that copy.

Convert mBank statements to Excel, CSV or accounting software

Every transaction gets a clean payee name and a category, and any correction can become a rule for future statements. Then export:

• Excel with real dates and numbers, plus a Summary sheet by category and month
• CSV with semicolons and DD.MM.YYYY dates, the regional format Polish Excel opens cleanly
• QuickBooks Online CSV, Xero CSV, a .qbo file, OFX or QIF
• One combined file for several months or accounts, optionally limited to a date range

Banking with PKO too? See PKO BP statement to Excel. Files are processed in memory and never stored, and we never ask for your mBank login. See security.

Questions