ABN AMRO Statement to Excel Converter

When you apply for a loan at ABN AMRO, the bank asks for a recent statement as a PDF downloaded from Internet Bankieren — not a screenshot, not an overview from the app. Other lenders, landlords and accountants ask for the same thing for the same reason: the PDF with your name and address is the document of record.

On the other side of that request, the reviewer has to read it. FlowParse turns the applicant's PDF statements into a sheet where income can be summed, recurring debits filtered, and the balance checked against the statement itself, instead of reading line by line.

Dutch businesses and their boekhouders typically work in Exact Online, Moneybird, Twinfield, e-Boekhouden or SnelStart. For the last 18 months, ABN AMRO's own MT940 or camt.053 download is the direct route into those programs. For older periods, FlowParse produces a CSV with date, omschrijving and signed amount for the bank import, and an Excel file for review.

The same statement can also go to QuickBooks, Xero, DATEV or Sage for a company with a foreign parent, with the counterparty IBAN kept in the description for matching.

Download the rekeningafschrift from Internet Bankieren or the app — Profiel, Rekeningen en betalen, Rekeningafschriften en jaaroverzicht — and upload that file. A downloaded PDF carries real text, so FlowParse reads it without OCR and every amount is the amount ABN AMRO printed. It is also the version a lender accepts, so the file you convert and the file you send are the same document.

Upload each statement as a whole, so the proof runs from the opening saldo on the first page to the closing saldo on the last. For several years, upload them together; Smart Merge orders every booking by date, notes the source file on each row, and flags any period missing between two statements.

The description is where hand-copying fails. An ABN AMRO booking packs the counterparty's name and IBAN, the omschrijving, a betalingskenmerk, and for an incasso the incassant ID and machtigingskenmerk into a few lines. Pasted into Excel, those lines become separate rows, most without an amount. FlowParse keeps one booking per row with the whole description in one cell.

Bij and af are the second issue: the statement marks direction rather than printing a minus sign, and a converter that misses the marker turns income into spending. FlowParse reads the marker. The third is the 18-month boundary: when a recent period comes from ABN AMRO's xls download and an older one from PDF statements, the two have to meet without gaps or overlaps — the saldo check between consecutive statements shows whether they do.

A self-employed designer receives a question from the Belastingdienst about income in a year long past. The transaction download only goes back 18 months, but the rekeningafschriften for that year are still available as PDFs. These figures are an illustration, not a real customer's.

The designer downloads the twelve statements and uploads them to FlowParse. Smart Merge builds one workbook for the year with every booking, the full description, and a saldo check between months. Filtering the bij column and the client IBANs gives the year's income in one total, with each payment traceable to its statement and line. The designer sends that total with the original PDFs; the accountant imports the CSV into Moneybird to check it against the invoices from that year.

Before you send converted ABN AMRO statements on, check four things. Coverage: every account and period requested, with each closing saldo matching the next opening saldo; Smart Merge flags any gap. Source: be clear which months came from ABN AMRO's own download and which from PDF statements, and check they meet on the saldo of the first overlapping day.

The reconciled mark: each statement should be proved against its own saldo. And keep the originals: a lender wants the PDF rekeningafschrift itself, and the Belastingdienst will ask for the document behind a figure. The converted workbook is how you find, total and check; the PDF is what you show.

The rekeningafschrift is the main one: bookings between an opening and a closing saldo, which FlowParse turns into rows and proves. Statements for a betaalrekening, a spaarrekening and a zakelijke rekening share that shape, and so does the PDF you download of bij- en afschrijvingen for a recent period.

The jaaroverzicht is different: it summarises the year — balances on 1 January and 31 December, interest — for the tax return, rather than listing movements. It is a check on the year's statements, not a replacement for them. A credit card statement converts as its own list of purchases and the payment that settles it, and Smart Merge can place it next to the betaalrekening.