BNP Paribas Statement to Excel Converter

BNP Paribas lists exclusions: joint accounts with more than two co-holders, accounts in indivision, and accounts whose mail is held at the branch (courrier agence). An email address or mobile number is required. For those accounts, statements still come on paper.

Paper relevés convert too. Scan each one flat, one statement per file, and FlowParse reads it through OCR and proves it against its printed soldes — so an indivision account managed by several heirs can sit in the same workbook as the online accounts.

The opening balance plus every signed operation must equal the closing balance printed by BNP Paribas. FlowParse checks that on every relevé, and each row against the running balance where it is printed. A crédit read as a débit, or an operation lost at a page break, fails exactly where it happened.

Relevés that pass are marked reconciled; anything else is shown in the preview with the difference and the rows around it.

French relevés print two dates: the date the operation was recorded and the date de valeur from which it counts for interest and overdraft calculation. For bookkeeping, the operation date is what matters; for checking agios on an overdrawn account, the value date does.

FlowParse keeps both, in separate columns. Sort by operation date for the ledger; sort by value date when checking an overdraft charge against the days the account was actually in debit.

For a contrôle fiscal, a succession, a divorce, a dossier de prêt or a company's bilan, Smart Merge takes up to 100 BNP Paribas PDFs and builds one workbook: operations in date order, the source and account on every row, and a check that each closing balance is the next opening balance — so a year never downloaded shows up as a break.

Relevés from Crédit Agricole, Société Générale, La Banque Postale or Boursorama can be merged into the same workbook, column by column.

French expert-comptables and companies commonly work in Pennylane, Cegid, Sage, EBP or Quadra. FlowParse exports a CSV with dates, libellé and signed amount for a bank import, plus an Excel file for review first. For a group reporting abroad, the same relevés go to QuickBooks, Xero or DATEV.

Because the libellé is kept whole, each operation can still be lettered against its invoice after import.

1 234,56 with a space and a decimal comma is text in an English-locale spreadsheet, and 03/04 is the 3rd of April. Débits and crédits pasted into one column lose their sign. A prélèvement with a long mandate reference, or a card payment abroad with its currency and commission, wraps over two lines and becomes two rows.

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

In a divorce, the notaire preparing the liquidation of the marital regime asks for three years of the couple's BNP Paribas joint account and each spouse's personal account. The figures here are an illustration, not a real couple's.

One spouse downloads the relevés by year from the personal space — 108 PDFs across three accounts — and uploads them. FlowParse returns one workbook, each relevé proved against its soldes, each account's chain complete. Filtering the libellés shows the transfers between the joint and personal accounts, the mortgage payments and the large one-off movements the notaire needs to qualify; the PDFs go to the notaire, the sheet answers the questions.

Coverage: each closing balance equal to the next opening balance, per account, including across any switch between paper and online. Dates: operation date for the ledger, value date for agios. Reconciled: every relevé proved before its totals are used.

And keep the PDFs. The relevé is the document of record for the tax office, the notaire or the court; the spreadsheet is the working copy.

Relevés for comptes chèques, savings accounts and professional accounts list operations between two balances and convert the same way. Card statements with deferred debit convert as purchases against the debit that settles them.

Securities statements, avis d'exécution, Cardif documents, the Imprimé Fiscal Unique and annual fee summaries are valuations, single operations or summaries. Keep them; convert the relevés.

The same relevés are available on mabanque.bnpparibas and in the Mes Comptes app. The PDF is the same either way; downloading a year of statements is simply faster on a computer, where the year folder and the download sit side by side.

Save each year in its own folder, named by account, and the conversion of any period — a tax year, the three years a notaire asks for, the ten years of a contrôle — becomes one upload.

BNP Paribas tells you when a new relevé or management document is put online, by a message to your personal email address or mobile number — which is why one of the two is required to use the service. The documents then sit in the secure personal space, filed by year.

Treat the notice as a reminder to download. A relevé saved to your own folder the week it arrives costs nothing and is ready to convert; the same relevé hunted for years later, for an account that has since been closed or moved to paper, is the one that goes missing.