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Understanding Your CSV Export
Your file is formatted to be instantly readable — and perfectly compatible with Xero, QuickBooks, and Excel.
When you make a purchase, banks place a "Pending" hold on your account. Pending transactions frequently change — a hotel might hold €100, but the final cleared charge may be only €45.
To keep your bookkeeping accurate, we only export cleared transactions. If a recent payment is missing, wait a day or two for it to clear with your bank.
How your CSV is organised
The spreadsheet reads left to right — everyday information upfront on the left, technical data for accountants tucked away on the right.
The exact day the money moved, in international standard format (YYYY-MM-DD). This prevents Excel from misreading US vs. European date settings.
How much money moved. Income is a positive number (250.00), expenses are negative (-15.99). A single column is strongly preferred by modern accounting software.
The 3-letter ISO currency code (EUR, GBP, USD).
The "Who" — the name of the person or business that sent you money, or the merchant you paid.
The "Why" — the reference note from a transfer, or extra details from the merchant (e.g., Invoice #104).
A short code from your bank explaining how the money moved — FEES for bank charges, POS for card purchases, DD for Direct Debits. Useful for filtering your spreadsheet by payment method.
The name of the bank (e.g., Revolut, Santander). Especially useful when you combine multiple banks into one export file.
Your IBAN or account number. Lets you tell apart a Business account from a Personal account at the same bank.
A unique code generated by your bank. You can safely ignore it — but Xero and QuickBooks use it behind the scenes to ensure the same transaction is never imported twice.
Quick tips for importing
- No broken text. We clean up bank descriptions so rogue commas or line-breaks never split your spreadsheet columns.
- Xero / QuickBooks. Upload the CSV and when the software asks you to "map" columns, match them to the column headers in the file. Your Transaction ID (column 9) will automatically prevent duplicate imports.
- Excel / Google Sheets. Dates in
YYYY-MM-DDformat are recognised automatically — no manual reformatting needed.