Two amount columns. One clear direction.

Bank exports describe money movement in different ways. The important part is what each value means in the destination account.

One signed amount column

For a bank account, incoming money is positive and outgoing money is negative. For a credit card, purchases are normally negative; payments and refunds are positive. Some exports reverse that convention. Use “Reverse all amount signs” only after checking actual transactions.

Separate debit and credit columns

Choose that layout in the CSV converter. Map debit to the money-out column and credit to the money-in column. Values in these separate columns must be positive or blank; the tool calculates credit minus debit. A row with both a nonzero debit and credit is rejected so you can resolve it explicitly.

Choose the date order

08/09/2026 could mean August 9 or September 8. Choose MM/DD/YYYY for US dates or DD/MM/YYYY for day-first exports. The tool also accepts unambiguous YYYY-MM-DD dates. It does not guess a date order separately for each row.

Preserve bank transaction IDs

If your CSV has a unique transaction ID or reference column, map it. Without original IDs, stable generated IDs help repeated identical imports, but cannot determine whether identical purchases across different overlapping files are the same real-world event.

Before downloading

Compare a deposit, a purchase and a refund with the original statement. Check the total money in, money out and date range. Enter the actual closing balance separately; the net of the selected transactions is not necessarily your account balance.