[{"data":1,"prerenderedAt":520},["ShallowReactive",2],{"hubs:en":3,"footer:en":25,"content:en:mt940-to-excel":344},[4,10,15,20],{"id":5,"type":6,"title":7,"description":8,"path":9},"banks","hub","A bank statement converter that works with any bank","Convert statements from Chase, Barclays, HSBC, SBI, HDFC, CommBank or any other bank to Excel, CSV or QuickBooks, with download tips for each bank.","\u002Fbanks",{"id":11,"type":6,"title":12,"description":13,"path":14},"guides","Bank statement guides: from PDF to spreadsheet, books and tax return","Step-by-step bank statement guides: PDF to Excel, importing into QuickBooks Online and TallyPrime, reconciling in Excel, expense categories and OFX files.","\u002Fguides",{"id":16,"type":6,"title":17,"description":18,"path":19},"formats","Convert bank statements to the file format you need","Convert bank statements from PDF, scan, photo, CAMT.053 or MT940 to Excel, CSV, QuickBooks, Xero, OFX or QIF — and find the file format you need.","\u002Fformats",{"id":21,"type":6,"title":22,"description":23,"path":24},"use-cases","Who uses a bank statement converter, and for what","How bookkeepers, accountants, small businesses, mortgage brokers, tax preparers and individuals use a bank statement converter, and the job it does.","\u002Fuse-cases",[26,27,33,38,39,45,50,56,65,70,78,83,90,98,105,112,119,124,129,134,139,140,148,156,164,169,177,185,190,197,205,213,221,229,234,242,249,257,262,269,276,283,290,298,303,308,313,318,323,328,333,338,343],{"id":5,"type":6,"title":7,"description":8,"path":9},{"id":28,"type":29,"title":30,"description":31,"path":32},"usecase-mortgage","usecase","Bank statement analysis for mortgage brokers and lenders","Turn 12–24 months of borrower bank statements into one categorized, balance-checked spreadsheet for income averages and large-deposit review.","\u002Fmortgage-brokers",{"id":34,"type":29,"title":35,"description":36,"path":37},"usecase-accountants","Bank statement conversion for accountants and bookkeepers","Turn a client's year of PDF statements, scans and photos into balance-checked transactions and import files for QuickBooks, Xero or Excel.","\u002Faccountants-and-bookkeepers",{"id":11,"type":6,"title":12,"description":13,"path":14},{"id":40,"type":41,"title":42,"description":43,"path":44},"guide-mortgage-statements","guide","Bank statements for a mortgage: what lenders ask for and how to prepare them","How many months of bank statements mortgage lenders ask for, what underwriters look for, how large deposits are explained and how to prepare a clean set.","\u002Fbank-statements-for-mortgage",{"id":46,"type":41,"title":47,"description":48,"path":49},"guide-expense-categories","Business expense categories: the list and how to use it","A practical list of business expense categories with bank transaction examples and Schedule C lines, plus how to categorize bank transactions for taxes.","\u002Fbusiness-expense-categories",{"id":51,"type":52,"title":53,"description":54,"path":55},"categorize-transactions","convert","Categorize bank transactions automatically","Categorize bank transactions automatically: upload any statement and get clean payee names, your own categories and rules that always win. Totals in Excel.","\u002Fcategorize-bank-transactions",{"id":57,"type":58,"title":59,"description":60,"path":61,"bank":62},"bank-bancolombia","bank","Convert a Bancolombia statement to Excel","Convert Bancolombia statements (extractos) to Excel or CSV: where to download PDF and XLS, how to open locked PDFs, and how to balance-check every row.","\u002Fbancolombia-statement-to-excel",{"name":63,"country":64},"Bancolombia","CO",{"id":66,"type":52,"title":67,"description":68,"path":69},"convert-csv","Convert a bank statement to CSV","Convert a bank statement PDF, scan or photo to CSV: one clean row per transaction, categorized and balance-checked. Comma or semicolon, any date format.","\u002Fbank-statement-to-csv",{"id":71,"type":58,"title":72,"description":73,"path":74,"bank":75},"bank-chase","Convert a Chase statement to Excel","Convert Chase bank and credit card statements to Excel, CSV or QuickBooks. Where to download Chase PDFs and CSVs, how far back, and how to check totals.","\u002Fchase-statement-to-excel",{"name":76,"country":77},"Chase","US",{"id":79,"type":52,"title":80,"description":81,"path":82},"convert-xero","Convert a PDF bank statement and import it into Xero","Import any PDF bank or credit card statement into Xero: convert it to a Xero statement CSV, check it balances, then import it in a few clicks.","\u002Fbank-statement-to-xero",{"id":84,"type":58,"title":85,"description":86,"path":87,"bank":88},"bank-american-express","Convert an American Express statement to Excel","Export American Express transactions to Excel or CSV, or convert older Amex PDF statements beyond the two-year window. Signs and card members explained.","\u002Famex-statement-to-excel",{"name":89,"country":77},"American Express",{"id":91,"type":58,"title":92,"description":93,"path":94,"bank":95},"bank-hdfc-bank","Convert an HDFC Bank statement to Excel","Convert HDFC Bank account and credit card statement PDFs to Excel or CSV. NetBanking download options, the Customer ID password and Tally tips explained.","\u002Fhdfc-bank-statement-to-excel",{"name":96,"country":97},"HDFC Bank","IN",{"id":99,"type":58,"title":100,"description":101,"path":102,"bank":103},"bank-icici-bank","Convert an ICICI Bank statement to Excel","Convert ICICI Bank account and credit card statement PDFs to Excel or CSV. How far back you can download, the card statement password and Tally tips.","\u002Ficici-bank-statement-to-excel",{"name":104,"country":97},"ICICI Bank",{"id":106,"type":58,"title":107,"description":108,"path":109,"bank":110},"bank-sbi","Convert an SBI bank statement PDF to Excel","Convert SBI bank statement PDFs to Excel or CSV, including password-protected e-statements. Where to get them, which password applies, and Tally tips.","\u002Fsbi-bank-statement-to-excel",{"name":111,"country":97},"State Bank of India (SBI)",{"id":113,"type":58,"title":114,"description":115,"path":116,"bank":117},"bank-bank-of-america","Convert Bank of America statements to Excel or QuickBooks","Convert Bank of America statements to Excel, CSV, QuickBooks (.qbo) or QIF — useful now that BofA's QFX Web Connect downloads have been discontinued.","\u002Fbank-of-america-statement-to-excel",{"name":118,"country":77},"Bank of America",{"id":120,"type":52,"title":121,"description":122,"path":123},"convert-quickbooks","Convert bank statements for QuickBooks Online and QuickBooks Desktop","Convert PDF bank statements to a QuickBooks Online CSV or a .qbo Web Connect file for QuickBooks Desktop — categorized and balance-checked first.","\u002Fbank-statement-to-quickbooks",{"id":125,"type":52,"title":126,"description":127,"path":128},"convert-excel","Convert bank statements to Excel","Convert any bank statement PDF, scan or photo to Excel in seconds. Every transaction categorized and checked against your balances. See it before you pay.","\u002Fbank-statement-to-excel",{"id":130,"type":52,"title":131,"description":132,"path":133},"convert-ofx","Convert bank statements to OFX files","Convert a bank statement PDF, scan or CSV to an OFX file for GnuCash, Xero, Wave, Sage and more. Every transaction is balance-checked before you import.","\u002Fbank-statement-to-ofx",{"id":135,"type":52,"title":136,"description":137,"path":138},"convert-qif","Convert bank statements to QIF for Quicken and other money apps","Convert a bank statement PDF, scan or CSV to a QIF file for Quicken, GnuCash or HomeBank, with clean payees, categories and a balance check before import.","\u002Fbank-statement-to-qif",{"id":16,"type":6,"title":17,"description":18,"path":19},{"id":141,"type":58,"title":142,"description":143,"path":144,"bank":145},"bank-barclays","Convert Barclays bank statements to Excel","Convert Barclays and Barclaycard PDF statements to Excel, CSV or Xero. Where to find seven years of statements online and how to check the balances.","\u002Fbarclays-statement-to-excel",{"name":146,"country":147},"Barclays","GB",{"id":149,"type":58,"title":150,"description":151,"path":152,"bank":153},"bank-bbva-mexico","Convert BBVA México statements (estado de cuenta) to Excel","Convert BBVA México estado de cuenta PDFs to Excel or CSV, including password-protected e-mailed PDFs. Every movement categorized and balance-checked.","\u002Fbbva-mexico-statement-to-excel",{"name":154,"country":155},"BBVA México","MX",{"id":157,"type":58,"title":158,"description":159,"path":160,"bank":161},"bank-caixabank","Convert CaixaBank statements to Excel","Convert CaixaBank PDF extractos to Excel or CSV. Where to find movements and statements in CaixaBankNow, what each file holds, and a balance check.","\u002Fcaixabank-statement-to-excel",{"name":162,"country":163},"CaixaBank","ES",{"id":165,"type":52,"title":166,"description":167,"path":168},"convert-camt053","Convert CAMT.053 files to Excel","Convert camt.053 bank statement XML to Excel or CSV: one row per entry with signed amounts, payee and category, checked against the file's balances.","\u002Fcamt-053-to-excel",{"id":170,"type":58,"title":171,"description":172,"path":173,"bank":174},"bank-commbank","Convert CommBank statements to Excel, Xero, OFX or QIF","Convert Commonwealth Bank statements to Excel, CSV, Xero, OFX or QIF — now that NetBank only exports CSV. Works with PDFs up to seven years back.","\u002Fcommbank-statement-to-excel",{"name":175,"country":176},"Commonwealth Bank (CommBank)","AU",{"id":178,"type":58,"title":179,"description":180,"path":181,"bank":182},"bank-credit-agricole","Convert Crédit Agricole statements to Excel","Convert Crédit Agricole e-relevés to Excel, CSV or OFX. Where to download operations, why history stops at 12 months, and how to convert older PDFs.","\u002Fcredit-agricole-statement-to-excel",{"name":183,"country":184},"Crédit Agricole","FR",{"id":186,"type":52,"title":187,"description":188,"path":189},"convert-credit-card","Convert credit card statements to Excel","Convert credit card statement PDFs to Excel, CSV, QuickBooks or Xero. Charges and payments are signed consistently and checked against the new balance.","\u002Fcredit-card-statement-to-excel",{"id":191,"type":58,"title":192,"description":193,"path":194,"bank":195},"bank-hsbc-uk","Convert HSBC UK bank statements to Excel","Convert HSBC UK bank statements to Excel, CSV or Xero: how to download HSBC PDFs and transaction files, and what the payment codes mean.","\u002Fhsbc-statement-to-excel",{"name":196,"country":147},"HSBC UK",{"id":198,"type":58,"title":199,"description":200,"path":201,"bank":202},"bank-ing-deutschland","Convert ING Germany Kontoauszüge to Excel and CSV","Convert ING Germany (ING-DiBa) PDF Kontoauszüge to Excel or CSV, including transactions older than the 390 days online banking shows. Balance-checked.","\u002Fing-germany-statement-to-excel",{"name":203,"country":204},"ING Deutschland","DE",{"id":206,"type":58,"title":207,"description":208,"path":209,"bank":210},"bank-intesa-sanpaolo","Convert Intesa Sanpaolo statements to Excel","Intesa Sanpaolo exports movements to Excel for only 13 months. Convert older PDF estratti conto to Excel or CSV, balance-checked and categorized.","\u002Fintesa-sanpaolo-statement-to-excel",{"name":211,"country":212},"Intesa Sanpaolo","IT",{"id":214,"type":58,"title":215,"description":216,"path":217,"bank":218},"bank-japan-post-bank","Convert Japan Post Bank passbooks and statements to Excel","Turn ゆうちょ passbook photos and Yucho Direct CSV files into a categorized, balance-checked Excel or CSV file. Download steps, limits and quirks.","\u002Fjapan-post-bank-passbook-to-excel",{"name":219,"country":220},"Japan Post Bank (ゆうちょ銀行)","JP",{"id":222,"type":58,"title":223,"description":224,"path":225,"bank":226},"bank-mbank","Convert mBank statements to Excel","Convert mBank statements to Excel or CSV. Where to export history, why the operation list isn't an accounting record, and how to open a Secure PDF.","\u002Fmbank-statement-to-excel",{"name":227,"country":228},"mBank","PL",{"id":230,"type":52,"title":231,"description":232,"path":233},"convert-mt940","Convert MT940 files to Excel","Convert MT940 statement files (.sta, .mt940) to Excel or CSV: :61: and :86: decoded into dates, signed amounts, payees and categories. Balance-checked.","\u002Fmt940-to-excel",{"id":235,"type":58,"title":236,"description":237,"path":238,"bank":239},"bank-nubank","Convert Nubank statements and faturas to Excel","Turn a Nubank extrato (OFX or PDF) or credit card fatura into Excel or CSV with every transaction categorized and checked against the balances.","\u002Fnubank-statement-to-excel",{"name":240,"country":241},"Nubank","BR",{"id":243,"type":58,"title":244,"description":245,"path":246,"bank":247},"bank-pko-bp","Convert PKO Bank Polski statements to Excel","Convert PKO BP PDF wyciągi to Excel or CSV. Where iPKO keeps statements, what MT940 and camt.053 reports cover, and how to convert older periods.","\u002Fpko-bp-statement-to-excel",{"name":248,"country":228},"PKO Bank Polski",{"id":250,"type":58,"title":251,"description":252,"path":253,"bank":254},"bank-rbc","Convert RBC Royal Bank statements to Excel","Convert RBC Royal Bank eStatements and credit card statements to Excel, CSV or QuickBooks. Where to find them and what happens when an account closes.","\u002Frbc-statement-to-excel",{"name":255,"country":256},"RBC Royal Bank","CA",{"id":258,"type":52,"title":259,"description":260,"path":261},"convert-scanned","Convert scanned bank statements and photos to Excel","Convert scanned bank statements, faxes and phone photos to Excel. Every row is checked against the statement's balances, so a misread digit gets caught.","\u002Fscanned-bank-statement-to-excel",{"id":263,"type":58,"title":264,"description":265,"path":266,"bank":267},"bank-smbc","Convert SMBC (Sumitomo Mitsui) statements and passbooks to Excel","Download SMBC Direct transactions as CSV, or convert older passbook pages and PDFs into a categorized, balance-checked Excel file. Limits explained.","\u002Fsmbc-statement-to-excel",{"name":268,"country":220},"Sumitomo Mitsui Banking Corporation (三井住友銀行)",{"id":270,"type":58,"title":271,"description":272,"path":273,"bank":274},"bank-sparkasse","Convert Sparkasse statements (Kontoauszüge) to Excel","Convert Sparkasse Kontoauszug PDFs to Excel or CSV, or upload CSV-CAMT and CAMT exports. Every transaction categorized and balance-checked.","\u002Fsparkasse-statement-to-excel",{"name":275,"country":204},"Sparkasse",{"id":277,"type":58,"title":278,"description":279,"path":280,"bank":281},"bank-unicredit","Convert UniCredit statements and movement lists to Excel","Download UniCredit movements as Excel, or convert PDF estratto conto, card statements and client PDFs to Excel or CSV — balance-checked and categorized.","\u002Funicredit-statement-to-excel",{"name":282,"country":212},"UniCredit",{"id":284,"type":58,"title":285,"description":286,"path":287,"bank":288},"bank-wells-fargo","Convert Wells Fargo statements to Excel","Convert Wells Fargo bank and credit card statements to Excel, CSV or QuickBooks, beyond the 18-month and 90-day download limits. Balance-checked.","\u002Fwells-fargo-statement-to-excel",{"name":289,"country":77},"Wells Fargo",{"id":291,"type":58,"title":292,"description":293,"path":294,"bank":295},"bank-ziraat-bankasi","Convert Ziraat Bankası statements to Excel","Convert Ziraat Bankası ekstre PDFs, scans and MT940 files to Excel or CSV. Where to find statements online, MT940 for companies, and a balance check.","\u002Fziraat-bank-statement-to-excel",{"name":296,"country":297},"Ziraat Bankası","TR",{"id":299,"type":41,"title":300,"description":301,"path":302},"guide-pdf-to-excel","How to convert a bank statement PDF to Excel","Seven ways to convert a bank statement PDF to Excel, from a free bank download and Excel's Get Data to Adobe, ChatGPT and converters — with pros and cons.","\u002Fhow-to-convert-bank-statement-pdf-to-excel",{"id":304,"type":41,"title":305,"description":306,"path":307},"guide-reconciliation","How to do a bank reconciliation in Excel","How to do a bank reconciliation in Excel: the step-by-step method, a template layout, the formulas to match transactions and a worked example.","\u002Fbank-reconciliation-in-excel",{"id":309,"type":41,"title":310,"description":311,"path":312},"guide-quickbooks-online","How to import a bank statement into QuickBooks Online","How to upload a bank statement to QuickBooks Online: menu path, the 3- or 4-column CSV format, 350 KB and 1,000-line limits, and fixes for failed uploads.","\u002Fimport-bank-statements-into-quickbooks-online",{"id":314,"type":41,"title":315,"description":316,"path":317},"guide-tally","How to import a bank statement into TallyPrime","How to import a bank statement into TallyPrime with Alt+O → Bank Statement, which formats Tally accepts, and what to do when you only have a PDF statement.","\u002Fimport-bank-statement-into-tally-prime",{"id":319,"type":41,"title":320,"description":321,"path":322},"guide-password-pdf","How to remove the password from your bank statement PDF","Remove the password from your own bank statement PDF with Chrome, Preview, Acrobat or qpdf, find your bank's password rule, and convert the statement.","\u002Fremove-password-from-bank-statement-pdf",{"id":324,"type":29,"title":325,"description":326,"path":327},"usecase-tax-preparation","Organize your bank statements for tax preparation","Turn a year of bank and card statements into categorized income and expenses, matched to Schedule C lines, with totals your tax preparer can use.","\u002Ftax-preparation",{"id":329,"type":29,"title":330,"description":331,"path":332},"usecase-small-business","Simple bookkeeping from your bank statements","Turn your business bank and card statements into simple books: every transaction categorized, totals by category and month, ready for your accountant.","\u002Fsmall-business",{"id":334,"type":29,"title":335,"description":336,"path":337},"usecase-personal-finance","Track your spending from bank statements","See where your money goes: turn past bank and credit card statements into a spreadsheet of spending by category and month. No bank login needed.","\u002Fpersonal-finance",{"id":339,"type":41,"title":340,"description":341,"path":342},"guide-ofx-files","What is an OFX file, and how is it different from QFX, QBO and QIF?","What an OFX file is, what's inside it, how it differs from QFX, QBO and QIF, how to open one in Excel, and how to make an OFX file from a PDF statement.","\u002Fwhat-is-an-ofx-file",{"id":21,"type":6,"title":22,"description":23,"path":24},{"id":230,"locale":345,"type":52,"slug":346,"title":347,"description":232,"h1":231,"lead":348,"updated":349,"hub":16,"steps":350,"blocks":360,"faq":489,"related":506,"alternates":507,"path":233,"hubPage":512,"relatedPages":513,"listing":519},"en","mt940-to-excel","MT940 to Excel: Convert MT940 Bank Statement Files","Upload the MT940 file from your bank (.sta, .mt940 or .txt) and get an Excel workbook or CSV with one row per transaction: each :61: line decoded into a date and a signed amount, each :86: field turned into a readable payee and purpose, and every statement checked against its own opening and closing balance.","2026-10-28",[351,354,357],{"title":352,"body":353},"Download the MT940 file","In your business online banking, export the account transactions or statements as **MT940** (sometimes called SWIFT or STA format). One file can cover many days and several accounts.",{"title":355,"body":356},"Upload it","Drop one or many files. Each account and currency becomes its own statement, and the daily statements in a file are joined into one period.",{"title":358,"body":359},"Export","Choose **Excel** or **CSV**, or a file for QuickBooks, Xero, OFX or QIF. Combine several files into one export, optionally limited to a date range.",[361,366,408,442,448,453,479,484],{"h2":362,"p":363},"What is an MT940 file?",[364,365],"MT940 is the SWIFT **Customer Statement Message**: an end-of-day account statement in a plain-text format of numbered tags. It was designed for banks to send account statements to their customers' systems, and it became the standard way to feed statements into treasury and accounting software.","Today banks offer MT940 mainly to business customers — as a download in business online banking, through EBICS or host-to-host connections, or over the Swift network. It is especially common in Germany, the Netherlands and Poland, where many accounting programs import it. A file usually has the extension .sta, .mt940 or .txt and often contains one statement per day, sometimes for several accounts.",{"h2":367,"p":368,"table":370,"note":407},"The MT940 format: the tags",[369],"Every statement in the file is a block of tags, each starting a line with a colon-wrapped field number:",{"head":371,"rows":375},[372,373,374],"Tag","Name","Example",[376,380,384,388,392,396,400,404],[377,378,379],":20:","Transaction reference number","STARTUMSE",[381,382,383],":25:","Account identification","DE89370400440532013000",[385,386,387],":28C:","Statement number \u002F sequence number","00185\u002F001",[389,390,391],":60F:","Opening balance (first)","C260913EUR1250,00",[393,394,395],":61:","Statement line — one per transaction","2609140914D89,90NDDTNONREF",[397,398,399],":86:","Information to account owner — the text for the line above","Payee, purpose, references",[401,402,403],":62F:","Closing balance (booked funds)","C260914EUR1160,10",[405,406,403],":64:","Closing available balance (optional)","A balance reads: credit or debit mark (C\u002FD), date as YYMMDD, currency, amount with a comma as the decimal separator. C260913EUR1250,00 means a credit balance of EUR 1,250.00 on 13 September 2026. When one statement is split over several messages, the intermediate balances are tagged :60M: and :62M:.",{"h2":409,"p":410,"table":412,"note":441},"Reading the :61: statement line",[411],"The :61: line packs a whole transaction into one string with no separators. The example 2609140914D89,90NDDTNONREF breaks down like this:",{"head":413,"rows":416},[414,374,415],"Part","Meaning",[417,421,425,429,433,437],[418,419,420],"Value date (YYMMDD)","260914","14 September 2026",[422,423,424],"Entry date (MMDD, optional)","0914","Booked on 14 September",[426,427,428],"Debit\u002Fcredit mark","D","D debit, C credit; RD and RC mark reversals",[430,431,432],"Amount","89,90","89.90, always unsigned, comma as decimal separator",[434,435,436],"Transaction type","NDDT","N plus a 3-character code, e.g. NTRF transfer, NDDT direct debit, NCHK cheque",[438,439,440],"Reference for the account owner","NONREF","Your reference, or NONREF when there is none","Watch out for three things: amounts carry no sign, so the direction depends entirely on the D\u002FC mark; the year has two digits and the entry date none, so at the turn of the year it has to be inferred; and an optional bank reference can follow after \u002F\u002F, with supplementary details on a second line.",{"h2":443,"p":444},"The :86: field: who paid whom, and why",[445,446,447],":86: holds up to six lines of 65 characters describing the transaction above it. Its layout is not fixed by SWIFT, so every bank fills it a little differently — often the name of the other party, the payment purpose and a few references run together.","German banks use a structured layout: a three-digit transaction code followed by numbered subfields. **?00** holds the booking text (for example LASTSCHRIFT or GUTSCHRIFT), **?20–?29** and **?60–?63** the purpose, **?30** and **?31** the other party's bank code or BIC and account or IBAN, and **?32–?33** their name. Inside the purpose, SEPA keywords such as EREF+ (end-to-end reference), MREF+ (mandate reference) and SVWZ+ (purpose text) mark the parts.","When we read :86:, the name and the purpose are pulled out, the keyword prefixes are dropped and lines that were cut mid-word at 27 characters are rejoined. The AI then gives each transaction a clean payee name and a category.",{"h2":449,"p":450},"How to open an MT940 file in Excel",[451,452],"MT940 is plain text, so Notepad or any text editor will open it — but Excel has no MT940 import. Opened directly, the file lands as one tag per row, with transactions spread over several lines, amounts as text with a comma and the sign hidden in a letter. Parsing that with text formulas breaks on the first :86: that wraps to a new line.","Converting gives you a normal table: one row per transaction with a real date, a signed amount (money out negative), the payee, the full description and a category. The Excel file also has a Summary sheet with totals by category and month — see [bank statement to Excel](\u002Fbank-statement-to-excel) for the layout — and the [CSV export](\u002Fbank-statement-to-csv) uses comma or semicolon format with the date format you choose.",{"h2":454,"p":455,"table":457,"note":478},"MT940 vs MT942 vs CAMT.053",[456],"Three formats are easy to mix up when you pick a download option:",{"head":458,"rows":463},[459,460,461,462],"Format","What it is","Balances","Use it for",[464,469,474],[465,466,467,468],"**MT940**","SWIFT end-of-day customer statement","Opening and closing booked balance","Bookkeeping and reconciliation",[470,471,472,473],"**MT942**","SWIFT interim transaction report, sent during the day","No booked opening or closing balance","Intraday cash monitoring, not month-end books",[475,476,467,477],"**CAMT.053**","ISO 20022 XML end-of-day statement, the successor of MT940","Bookkeeping, with richer structured details","For bookkeeping, download the end-of-day statement — MT940 or, if your bank offers it, [CAMT.053](\u002Fcamt-053-to-excel). An interim report can still change before the day closes, and without booked balances it can't be checked.",{"h2":480,"p":481},"Is MT940 being discontinued?",[482,483],"Not overnight. Swift moved cross-border payment instructions from MT to ISO 20022 when the coexistence period ended in November 2025. Statement and reporting messages such as MT940, MT942 and MT950 were not switched off then: they remain on the Swift network until Swift sets an end date, while banks and their customers move to the ISO 20022 equivalents. Their ISO 20022 equivalents are camt.053 for statements, camt.052 for intraday reports and camt.054 for debit and credit notifications. Details are on Swift's [ISO 20022 standards page](https:\u002F\u002Fwww.swift.com\u002Fstandards\u002Fiso-20022\u002Fiso-20022-standards).","An MT940 file you download from online banking doesn't travel over the Swift network at all, so whether you can keep downloading it is your bank's decision. Many banks offer MT940 and CAMT side by side; if yours does, CAMT.053 is the future-proof choice. Either way, both convert to the same Excel file.",{"h2":485,"p":486},"Several accounts and a year of daily statements",[487,488],"An MT940 export often contains one statement per day and sometimes several accounts. We group the statements by account (:25:) and currency. The days of one account join into a single statement that runs from the first opening balance (:60F:) to the last closing balance (:62F:), and every transaction in between must add up: opening balance plus money in minus money out equals the closing balance. If it doesn't — a missing day, for example — you see that before exporting.","Upload a year of files at once and export them as one workbook, or straight into accounting software. [Accountants and bookkeepers](\u002Faccountants-and-bookkeepers) use this to catch up a client's books, and it is the starting point for a [bank reconciliation in Excel](\u002Fbank-reconciliation-in-excel).",[490,492,495,498,500,503],{"q":362,"a":491},"A SWIFT end-of-day bank statement in plain text. Tagged lines hold the account (:25:), opening balance (:60F:), one :61: line plus an :86: description per transaction, and the closing balance (:62F:).",{"q":493,"a":494},"How do I open an MT940 file in Excel?","Excel can't read MT940 directly; it shows the raw tags. Convert the file instead and you get one row per transaction with a date, a signed amount, payee and category.",{"q":496,"a":497},"What is the difference between MT940, MT942 and CAMT.053?","MT940 is the end-of-day statement, MT942 an interim report during the day without booked balances, and CAMT.053 the ISO 20022 XML successor of MT940.",{"q":480,"a":499},"Swift kept MT940 on its network after the November 2025 payments migration, with no end date set yet, and banks are moving customers to CAMT.053. Whether your bank keeps offering MT940 downloads is up to the bank.",{"q":501,"a":502},"Which file extensions work?",".sta, .mt940 and .txt files are all read by their content, not their name. If your bank zips the files, unzip them before uploading.",{"q":504,"a":505},"Does converting an MT940 file use pages?","No. MT940, CAMT, CSV, Excel, OFX and QIF files use no pages, but you need a plan or a page pack to upload them. See [pricing](\u002Fpricing).",[165,125,66,34,304],{"de":508,"en":233,"nl":509,"pl":510,"tr":511},"\u002Fde\u002Fmt940-in-excel","\u002Fnl\u002Fmt940-naar-excel","\u002Fpl\u002Fmt940-do-excel","\u002Ftr\u002Fmt940-nedir",{"title":17,"path":19},[514,515,516,517,518],{"id":165,"type":52,"title":166,"description":167,"path":168},{"id":125,"type":52,"title":126,"description":127,"path":128},{"id":66,"type":52,"title":67,"description":68,"path":69},{"id":34,"type":29,"title":35,"description":36,"path":37},{"id":304,"type":41,"title":305,"description":306,"path":307},[],1793285443769]