Convert Sparkasse statements (Kontoauszüge) to Excel

How to download Sparkasse statements and transactions

There are several hundred independent Sparkassen in Germany. They share the same online banking and the Sparkasse app, but each one decides which features and export formats it offers, so your labels may differ slightly.

• PDF statements (Kontoauszüge): in online banking, open the Postfach, tick the statements you need and choose Mehr Aktionen → Herunterladen (more actions → download). In the app, tap Profil → Postfach (profile → mailbox). Several statements at once arrive as one ZIP file.
• Transactions (Umsätze): open the account's transaction list, set the date range and use the export option. Depending on your Sparkasse, you'll see CSV-CAMT (a CSV file) and CAMT (XML); older guides also mention MT940.
• Older statements: statements created before you activated the Postfach are not in it. Your adviser can recreate statements from the last ten years (Kontoauszug nacherstellen), usually for a fee that varies by Sparkasse.

Berliner Sparkasse describes the Postfach download step by step on its Kontoauszüge help page; the Sparkasse guide to keeping statements covers the ten-year reorder rule.

Which formats Sparkasse offers

We don't give one export window for Sparkasse because it differs between institutions. Check how far back your Umsätze go before you rely on the export for a full year.

When you still need to convert the PDF

The CSV-CAMT export is quickest when it covers your period. Otherwise the PDF is the only route:

• Earlier years: the period you need is older than your Sparkasse's export window.
• Credit card statements: card bills sit in the Postfach as PDFs, separate from the current account — see credit card statements to Excel.
• Statements someone else sends you: a client, tenant or family member can share PDFs without sharing online banking access.
• Reordered or paper statements: a recreated statement or a printout from a branch terminal can be photographed and converted like any scanned bank statement.
• The official record: the Kontoauszug is the document of record. For business accounts, Sparkasse issues the electronic statement as a signed PDF that is treated as equal to paper for tax audits.

What to know about Sparkasse statement layouts

• German number format: amounts are written 1.234,56, with a period for thousands and a comma for decimals. Opened in an English-language spreadsheet, these often turn into text or wrong numbers. Our exports contain real numbers.
• Two dates per booking: a booking date (Buchungstag) and a value date (Wert or Valuta), both DD.MM.YYYY. We use the booking date and keep the full text.
• Long SEPA descriptions: a single transfer or direct debit can run over several lines, with IBAN, BIC, mandate reference, creditor ID and an end-to-end reference. Each transaction gets a short payee name, so "Stadtwerke" doesn't hide in line four.
• Rechnungsabschluss: periodically, account fees and any overdraft interest are booked, and the statement carries a Rechnungsabschluss annex that itemizes them. The booked amounts are categorized like any other transaction.
• One statement per account: a Girokonto and a savings account produce separate statements. If a PDF covers more than one account, it is split into one statement per account.

Convert Sparkasse statements to Excel, CSV or accounting software

After upload, every transaction gets a clean payee name and a category, and every statement is checked against its own numbers: previous balance plus credits minus debits must equal the new balance, and the running balance has to agree row by row. A misread minus sign or a line lost at a page break shows up instead of slipping into your books.

Then choose the output. Excel gives you a Transactions sheet and a Summary sheet by category and month. CSV can use semicolons and DD.MM.YYYY dates for German bookkeeping tools that import bank CSV files. QuickBooks Online CSV, Xero CSV, .qbo, OFX and QIF are there for accountants working outside Germany.

Default categories follow your language, so you get English categories even from a German statement — handy when the numbers go to an accountant abroad. Also bank with ING? Its export stops at 390 days: see ING Germany statements to Excel, or browse other banks.

CAMT files from Sparkasse use no pages. See how to convert CAMT.053 files to Excel for what's inside them.

Questions