Free · Any bank · Excel & CSV

Bank statementtemplate

Upload your PDF and get a perfectly structured bank statement export — every transaction in the right columns, categorized, with running balance. Ready for lenders, landlords, or your accountant.

AI categorizedExcel & CSVCorrect format
Drop your bank statement hereTap to upload your statement
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standard format

What a bank statement template looks like

Every official bank statement — and every valid template — follows this structure.

Account Statement
John A. Smith
Checking Account ••••4821
Statement Period
Mar 1 – Mar 31, 2026
First National Bank
Opening Balance
$4,250.00
Total Credits
+$4,120.00
Total Debits
−$2,410.39
Closing Balance
$5,959.61
DateDescriptionDebitCreditBalance
Mar 01Opening Balance4,250.00
Mar 01DIRECT DEPOSIT — EMPLOYER INC3,800.008,050.00
Mar 03POS PURCHASE — WHOLE FOODS #48294.327,955.68
Mar 05ACH DEBIT — RENT PAYMENT1,850.006,105.68
Mar 07POS PURCHASE — SHELL OIL 0084762.156,043.53
Mar 10ATM WITHDRAWAL — CHASE ATM200.005,843.53
Mar 12ACH DEBIT — NETFLIX.COM15.495,828.04
Mar 15POS PURCHASE — AMAZON.COM47.995,780.05
Mar 18ACH CREDIT — PAYPAL TRANSFER320.006,100.05
Mar 22POS PURCHASE — CVS PHARMACY28.446,071.61
Mar 28ACH DEBIT — ELECTRIC UTILITY112.005,959.61
Mar 31Closing Balance5,959.61

Illustrative example — not a real statement. Upload your PDF above to generate yours.

every field explained

Bank statement template fields

FieldSectionWhat it contains
Account holder nameHeaderFull legal name registered to the account. Must match ID for most official submissions.
Account numberHeaderFull or partially masked (last 4 digits). Official statements show at least partial numbers.
Bank name & addressHeaderOfficial bank name, branch address, and customer service contact.
Statement periodHeaderStart and end date of the statement — typically a full calendar month.
Opening balanceSummaryAccount balance at the first day of the statement period.
Total deposits/creditsSummarySum of all money received during the period.
Total withdrawals/debitsSummarySum of all money spent or transferred out.
Closing balanceSummaryBalance at end of period. = Opening + Credits − Debits.
Transaction dateTransactionsDate the transaction posted to the account (may differ from purchase date).
Description / merchantTransactionsMerchant name, transaction type (POS, ACH, ATM), and any reference code.
Debit amountTransactionsMoney that left the account for this transaction.
Credit amountTransactionsMoney that entered the account for this transaction.
Running balanceTransactionsAccount balance after each transaction is applied.

by use case

What each template type needs to show

The format is the same — what matters is the data inside.

2–3 months of statements

Mortgage template

Income deposits, average balance, no NSF fees, consistent payroll

1–3 months

Rental application template

Monthly income ≥ 2.5× rent, no bounced payments

3–6 months

Visa application template

Consistent balance above minimum threshold, no large unexplained withdrawals

3–24 months

Business loan template

Regular revenue deposits, business expense pattern, positive cash flow

12–24 months

Self-employed income template

Gross deposits (income), business expenses, net calculation

1 month

Personal budgeting template

Spending by category, income vs expenses, subscriptions identified

how it works

From PDF to structured template in 3 steps

1

Upload your bank PDF

Download your statement from your bank's website or app. Drop the PDF here — any bank, any country.

2

AI extracts & categorizes

Every transaction is read, the merchant identified, and spending category assigned. Takes about 30 seconds.

3

Download your template

Export as Excel or CSV — clean columns for date, description, debit, credit, balance, and category. Ready to share.

related tools

Other bank statement formats

Convert to Excel

Full transaction list in .xlsx

Convert to CSV

Import into any accounting tool

Convert to QBO

Import directly into QuickBooks

Convert to QIF

Import into Quicken or YNAB

3-Month Summary

Combined income & balance report

Merge Statements

Combine multiple months into one

Pricing

Simple, transparent pricing

Free
Free
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  • 3 PDF pages / month
  • AI transaction categorization
  • Sankey money-flow chart
  • AI insights & savings tips
  • Financial health score
  • Spending calendar
  • CSV export
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$9/mo
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  • 500 PDF pages / month
  • Everything in Free, plus:
  • Multi-month trends dashboard
  • Subscription detector
  • AI savings opportunities
  • 6 export formats (CSV, Excel, QIF, OFX, QBO, IIF)
  • Chat AI financial advisor
  • Receipts & invoices extractor
  • Table-to-Excel extractor
  • File format converter
  • 12 months history
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  • Unlimited PDF pages
  • Everything in Basic, plus:
  • Redact sensitive info from statements
  • Translate statements (30+ languages)
  • Fake statement detector
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  • Priority processing
  • Priority support
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Bank statement template FAQ

What is a bank statement template?+−
A bank statement template is a structured format that mirrors how a real bank statement is organized — account header, summary section (opening balance, total credits, total debits, closing balance), and a transaction table with date, description, debit, credit, and running balance columns. It can be used as a blank form to organize financial data or as a reference for understanding what a real statement contains.
What columns does a bank statement template need?+−
A standard bank statement template requires these transaction columns: Date (posted), Description (merchant/transaction type), Debit (money out), Credit (money in), and Running Balance (balance after each transaction). The header section needs: account holder name, account number, bank name, and statement period dates. The summary needs: opening balance, total debits, total credits, and closing balance.
Can I use a bank statement template for a loan application?+−
For most loan applications, lenders require your official bank statement PDF directly from your bank — not a filled-in template. Templates are useful for self-organizing your data, creating summaries, or understanding what lenders look for. If you need a structured export from your real statements, upload your PDF here and get a categorized Excel export that mirrors the standard bank statement format.
What is the difference between a bank statement template and a bank statement generator?+−
A bank statement template is a blank, structured format (usually Excel or PDF) with the correct columns and sections — you fill it in manually. A bank statement generator takes your existing PDF and automatically produces a structured, categorized output in the same format. The generator is faster and uses your real transaction data.
What format should a bank statement template be in?+−
Excel (.xlsx) is the most widely accepted format for lender submissions and financial analysis — it preserves column formatting, allows filtering, and can be printed cleanly. CSV is better for importing into accounting software (QuickBooks, Xero, Wave). PDF format is required for official lender submissions where the original bank-issued document is needed.
How many rows does a typical bank statement template have?+−
A typical monthly bank statement has 30–150 transaction rows depending on account activity. Each row is one posted transaction. High-activity accounts (daily purchases, multiple subscriptions) may have 200+ rows per month. The template structure stays the same regardless of volume — just more rows in the transaction table.
Does the running balance column automatically calculate?+−
In Excel, yes — you can set the running balance column to calculate automatically using a formula: =previous_balance + credit - debit. In a downloaded CSV template the formula is not included, but you can add it in Excel after opening the file. The exported reports from this tool include the correct running balance for every transaction.

Get your statement in the right format.

Upload your PDF and download a perfectly structured Excel or CSV export — date, description, debit, credit, balance, category. Free for your first 3 pages.

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