Convert SMBC (Sumitomo Mitsui) statements and passbooks to Excel

How to download SMBC transactions as CSV

CSV download is part of SMBC Direct, Sumitomo Mitsui's online banking. The steps, from SMBC's 残高・入出金明細 help page:

1. Log in to SMBC Direct and open the account's 残高・入出金明細 (balance and transaction details).
2. Below the balance, choose 過去の明細を照会 (view past transactions). Enter dates, or use the 今月 / 先月 / 今年 / 前年 / 直近１年 buttons (this month, last month, this year, last year, last 12 months).
3. Download the result as CSV. For oldest-first order, sort by 明細が古い順 (oldest first) before downloading.

The CSV uses Western-calendar dates (西暦) and keeps the order shown on screen; Web通帳 users also get their memos and colour labels in it. Between 21:00 on Sunday and 7:00 on Monday only the last two months can be viewed. SMBC ended its Microsoft Money import in 2021 and points users to the CSV instead.

How far back SMBC lets you download

The online window depends on whether the account is a Web通帳 (paperless passbook) or still has a paper passbook:

If an inquiry hits the row limit, split the period and download several files — you can upload them together. Web通帳 history isn't available once the account is closed, and Valuedoor keeps nothing from before the switch to Web, so save files in time. Sources: SMBC's Web通帳 page and Valuedoor notes.

When you still need to convert SMBC passbooks or PDFs

Passbook photos and scans are read like any scanned bank statement: each photo or PDF page counts as one page, and every printed line is checked against the running balance. Use JPG or PNG up to about 3.5 MB; iPhone HEIC photos aren't accepted, so set the camera to Most Compatible first.

• Passbook pages older than 25 months. The online window ends there, so earlier years exist only in the passbook.
• Transactions from before 2019, even on Web通帳 accounts.
• Valuedoor PDF statements between 2 and 10 years old, when the CSV is no longer offered.
• Closed accounts, and passbook copies or PDFs received from clients.
• Several accounts at once — an SMBC account, a Japan Post Bank passbook and a card — merged into one file for your 会計ソフト (accounting software).

SMBC CSV and passbook quirks

• A dash in empty cells. Because the CSV copies the screen, the withdrawal column (お引出し) contains a full-width dash (－) where there's no amount. SMBC's own tip is to remove it with Find and Replace before working with the file in Excel.
• Japanese encoding. Japanese bank CSV files are usually saved in Shift_JIS. Save the file in Excel as CSV UTF-8 before uploading, so the descriptions in お取り扱い内容 (transaction details) come through readable.
• Era dates on paper. Passbooks commonly print the Japanese era year (Reiwa 7 is 2025), while the CSV uses Western years. Check the first rows in the preview.
• Katakana payees. Transfers usually show the other party in half-width katakana and card payments as short codes. The original text stays in the Description column next to the cleaned payee.
• Whole yen. Amounts have no decimals, and withdrawals and deposits sit in separate columns. The export turns them into one signed amount.

Keep a longer history: switch to Web通帳

Paper-passbook accounts keep only 25 months online, while Web通帳 accounts can look back up to 30 years (transactions from 2019 on). In SMBC Direct, open the top-left menu → 各種サービス (services) → Web通帳 → 切り替える (switch). In the 三井住友銀行アプリ (SMBC app), tap メニュー → Web通帳.

Keep or scan your existing passbooks anyway: they're the record for anything the online history doesn't cover.

Convert SMBC statements to Excel, CSV or accounting software

Every transaction gets a clean payee name and a category, and the balance check proves the conversion: opening balance + deposits − withdrawals = closing balance, with the running balance checked on every row. Rows that don't add up are highlighted with their page number, and statements that don't balance are free (up to 30 pages a month). Then export:

• Excel: a Transactions sheet with real dates and numbers, plus a Summary sheet by category and month
• CSV with YYYY-MM-DD dates, to import into freee, Money Forward Cloud, Yayoi or a spreadsheet
• QuickBooks Online CSV, Xero CSV, OFX or QIF for companies and expats who keep their books outside Japan

Doing this for clients? See accountants and bookkeepers. Also bank with ゆうちょ? See Japan Post Bank passbooks to Excel.

Questions