How to export your bank statement as CSV and see where your money goes
Download your statement from net banking as a CSV file (or Excel, then save it as CSV), import it into FinanceX, and you'll see your spending by category, your savings rate and every bill or subscription that repeats. The file itself is never stored.
How do I download my bank statement as CSV?
- Log in to your bank's net banking. Statement downloads are usually easier there than in the mobile app.
- Open your savings account and look for Account statement or Download statement.
- Pick a date range. Three to six months gives the most useful picture.
- Choose CSV as the format. If your bank only offers Excel, open the file and use Save as → CSV.
What columns does the file need?
A date column, a description column (often called Narration, Particulars or Remarks), and either separate Debit and Credit columns or a single Amount column. The headings don't need to match exactly. If you're unsure, download our sample CSV to compare.
How do I import it?
- Log in and open Transactions.
- Choose your CSV file and select Import.
- Each transaction is categorised automatically, for example Dining, Groceries, Bills or Investments.
What will I see after importing?
- Budget: this month's spending and a category breakdown.
- Analytics: your savings rate, spending month by month, what changed, and your largest spends.
- Recurring payments: subscriptions, bills and SIPs that repeat, with their yearly cost.
How do I get the categories right?
Click any category to change it, and tick the option to apply it to that merchant's other transactions and future imports. Mark money moved between your own accounts as Transfers so it doesn't count as income or spending. SIPs count as Investments, which are saved, not spent.