BBVA Statement to Excel Converter

BBVA's own explainer says recent movements can be consulted online, but older ones — several years back — may not be available that way, and you may need to go to a branch or ask by phone or email. It also notes that banks must keep account movements for at least five years, and up to twenty.

Whatever BBVA sends back — a PDF by email or paper by post — converts. PDFs are read directly; paper is scanned flat, one extracto per file, and read through OCR. Each one is proved against its printed balances.

The opening balance plus every signed movement must equal the closing balance. FlowParse checks that on every BBVA extracto, and checks each row against the saldo printed after it. A cargo read as an abono, or a movement lost at a page break, fails at the row where it happened.

Extractos that pass are marked reconciled; anything else is shown in the preview with the difference before you download.

BBVA's explainer notes that consulting an extracto online is usually free, while a paper extracto requested at a branch and sent home may have a cost depending on the bank. Paper is also slower, and it has to be scanned before it can be converted.

Download the PDFs yourself where you can. A downloaded extracto carries its real text, so every figure FlowParse reads is the one BBVA printed.

BBVA's business online banking shows account movements with the extracto of each cargo and abono, and keeps a Correspondencia virtual for cargos, abonos, payment receipts and tax information. Certificates — account balances, movements, deposits, loans — can be requested and downloaded online with legal validity.

Certificates and individual receipts are single documents. The periodic extracto is the list of movements between two balances, and that is what FlowParse converts for the accounts.

For an IRPF return, a modelo 303 quarter, an Impuesto de Sociedades or a mortgage application, Smart Merge takes up to 100 BBVA PDFs — current account, savings, business account — and builds one workbook with every movement in date order, the account and source on every row, and a check that each closing balance is the next opening balance.

Extractos from Santander, CaixaBank, Sabadell or Bankinter can be merged into the same workbook, matched column by column.

Spanish gestorías and small businesses commonly work in A3, Contasol, Holded or Sage. FlowParse exports a CSV with both dates, concepto and signed amount for a bank import, and an Excel file for review first. For an international group, the same extractos go to QuickBooks or Xero.

Because the concepto is kept whole — the receipt issuer, the transfer reference, the Bizum sender — each movement can be matched to its invoice after import.

1.234,56 with a dot for thousands and a decimal comma is text in an English-locale spreadsheet, and 03/04 is the 3rd of April. Cargos and abonos pasted into one column lose their sign. A recibo with a long reference wraps over two lines and becomes two rows.

FlowParse writes real signed numbers and unambiguous dates and keeps one movement per row; the balance proof confirms nothing was split or dropped.

A physiotherapist working as an autónomo in Valencia uses a BBVA current account for the practice. Their gestoría needs the third quarter's movements for the modelo 130 and modelo 303. The figures here are an illustration, not a real person's.

The physiotherapist downloads three monthly extractos from Correspondencia virtual and uploads them. FlowParse returns one table, each extracto proved against its saldo. Patient payments, the cuota de autónomos, rent and supplier receipts are filtered by concepto in minutes; the CSV goes to the gestoría, and the PDFs stay in the quarter's folder.

Coverage: each closing balance equal to the next opening balance, per account. Dates: operation date for the books, value date for interest. Archive: anything older than five years saved before it leaves Correspondencia virtual. Reconciled: every extracto proved before its totals are used.

And keep the PDFs. The extracto is the document of record for Hacienda, a bank or a court; the spreadsheet is the working copy.

Account extractos for current, savings and business accounts list movements between two balances and convert the same way. Card statements convert as purchases and payments against the amount charged to the account.

Certificates, single receipts, tax information and letters in Correspondencia virtual are single documents or summaries. Keep them with the file; convert the extractos.

This page is about BBVA in Spain — bbva.es, euro accounts, Correspondencia virtual. BBVA México issues its own estados de cuenta in pesos, with a different layout and different channels.

For those, see the BBVA México converter. If you hold accounts in both countries, Smart Merge can put the euro and peso statements in one workbook, with the currency and account on every row so they are never added together by mistake.

BBVA's Movimientos previstos shows estimated income and expenses two months ahead — the day a receipt will arrive, the month's expected balance — and can export them to a personal calendar. It is a forecast, useful for planning.

An extracto is the opposite: only movements that happened, between two balances BBVA certifies. That is why FlowParse converts extractos rather than forecasts. When the forecast and the converted month differ, the difference is the surprise worth looking at.