CaixaBank Statement to Excel Converter

CaixaBank's own example of an extracto picks out the parts that matter: the holder's name and the IBAN, the period covered, the starting and closing balance, and the list of transactions with their dates, concepts and amounts.

Those are exactly FlowParse's columns. The period and IBAN identify the file in a merge; the two balances are what the proof checks; every transaction becomes one row with a signed amount.

For business customers, CaixaBank lets you create requests in the digital bank to download treasury extracts, card movements and merchant operations: from Descargar ficheros, choose Hacer una nueva petición. Account movements come in the Cuaderno 43 format, with CaixaBank's own code tables, and a duplicate of a generated file can be requested within three months.

If your accounting program reads Cuaderno 43, that channel is the direct one. FlowParse covers the statements outside it — older than the three-month duplicate window, from an autónomo's personal account, or sent as PDFs by a client.

A CaixaBank extracto lists card purchases, Bizum transfers, direct debits, transfers and salary between the two balances. FlowParse gives each line one row: date, concepto as printed, and a single signed amount in euros.

Spanish statements write 1.250,40 with a full stop for thousands and a comma for decimals; FlowParse reads them that way and returns real numbers. The sign comes from the statement, not from guessing at the text.

Before a CaixaBank statement is called reconciled, FlowParse adds every signed movement to the starting balance and compares the result with the closing balance. Where a balance is printed after each movement, each row is checked against it too.

If a movement was skipped or its sign flipped, the totals stop meeting, and the preview shows the difference and the rows around it before anything is exported.

The Código de Comercio requires Spanish businesses to keep their books and supporting documents for six years. For an autónomo or a small company, the bank statements are part of that file, and an inspection can reach back well beyond the current year.

Converted, six years of extractos become a ledger you can filter by concepto and total by quarter, each statement still tied to CaixaBank's own balances — without paying for duplicates of years you already downloaded.

Smart Merge takes up to 100 PDFs at once and lays them out in date order with the account and file name on every row. It checks the chain between statements: each closing balance must be the next starting balance.

A missing month breaks the chain at exactly that point, so you know which extracto to download — or, for older years, whether a paid duplicate is really necessary.

Bizum payments between people, card purchases and recibos domiciliados fill most CaixaBank statements. In the PDF they are text; converted, they become groups you can total.

Filter the recibos and you have the household's fixed costs for the year; filter Bizum and you see the small payments that never got a receipt — often what a budget or an expense claim is missing.

A physiotherapist in Seville works as an autónomo with a CaixaBank account and gives her gestor a spreadsheet every January. Last year she downloaded the extractos monthly; this year she forgot until December. The figures here are an illustration.

She downloads the twelve extractos, uploads them together and gets one proved workbook with patient payments, rent and supplies easy to filter. The gestor receives a CSV for the accounting program and the PDFs as evidence — no paid duplicates needed.

Check coverage: every account, every period, each closing balance equal to the next starting balance. Check balances: a retained amount on screen is not a movement on the extracto. Check reconciliation: every statement proved before its totals are used.

Keep the PDFs. The spreadsheet is a working copy; the extracto is the document Hacienda or a court will accept.

Households and small businesses often hold more than one CaixaBank account, plus cards. Transfers between them appear on both sides of the merged sheet.

With the account on every row, those internal transfers pair up and can be excluded in one filter. Statements from Santander, BBVA or Sabadell can join the same workbook.

The simplest archive is a habit: download each month's extracto as soon as the month closes and save it in a folder per account and year. Given what extra statements of past years can cost, that minute a month pays for itself.

The folder is ready for FlowParse whenever you need a year in one sheet.

Excel and CSV keep the Spanish concepto text, so a search for a supplier, a landlord or the Agencia Tributaria still works after import. The QBO file is for QuickBooks; Xero and most Spanish accounting programs take the CSV.

Because each extracto was proved against CaixaBank's own balances, a difference in your reconciliation points at the bookkeeping, not the conversion.

On the business side, CaixaBank's file screen shows each requested file's status, reception date, download date and expiry date, and duplicates can only be requested within three months of generation. Files are designed to flow into accounting software, not to be an archive.

The PDF extracto is the opposite: once saved, it never expires. Keeping the monthly PDFs alongside any Cuaderno 43 flow gives a company a second, human-readable record — and if the file service was ever switched off or changed, FlowParse can rebuild the missing months from those PDFs.