Bank CSV validator and converter
Check a bank statement locally, map its columns, reconcile balances and prepare a signed-amount CSV. No account connection, upload or storage is used by this tool.
For a bank deposit/checking account: money in is positive, money out negative. Credit-card statement signs can differ; determine the correct direction with your accountant. This is a format preflight, not a bookkeeping entry, complete migration, bank reconciliation certification or proof a provider accepted the file.
Validation and export
Load CSV, read its columns and validate.
What is changed in the output?
- Dates and amounts are parsed using your explicit convention, with valid calendar dates and exact cents. Currency symbols, more than two decimals and invalid grouping are rejected; no rounding or exchange conversion occurs.
- Canonical CSV uses Date, Description, Amount, Currency. It preserves all valid rows, including deliberate zeros.
- QuickBooks signed layout uses Date, Description, Amount with DD/MM/YYYY, following the linked Intuit recommendation. Zero-amount rows block this specific layout; review the source, because the tool does not delete them.
- Xero layout uses Date, Amount, Description with YYYY/MM/DD and dot-decimal signed amounts. Account selection and column/date mapping still happen in Xero.
- Descriptions that start with whitespace followed by =, +, - or @ receive an apostrophe prefix for spreadsheet safety. This visibly changes the exported text; inspect it before provider import. Quotes/newlines are CSV-escaped.
- Duplicate candidates are exact date + description + amount matches within this file, not a check against your provider history. The tool never removes them automatically.
Check before posting
Export a small sample, inspect dates and cash direction, compare totals with the statement, then follow the software’s own mapping and duplicate-review workflow. Do not reimport an overlapping date range without checking existing transactions. Validation JSON contains your normalized records; handle it as financial data.
Intuit US bank CSV format · Xero CSV bank statements
Our own synthetic parse/export/reimport tests validate these layouts and numerical transformations. No logged-in QuickBooks or Xero acceptance test has been performed. Provider limits, changed interfaces and account permissions can still reject a file.