What is an MT940 file?

MT940 is SWIFT's international bank statement format — common outside the US/UK/India, used by many European and international banks for statement exports.

What information does it extract?

Date, description (from the narrative line following each transaction), and amount, correctly signed for debits and credits.

Is my data uploaded anywhere?

No. The conversion runs entirely in your browser — nothing is sent to a server.

BalanceExtract

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Free MT940 to CSV Converter

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Convert an MT940 file to CSV

Drop your file below — runs entirely in your browser, nothing is uploaded.

Drag and drop your MT940 file hereor click to browse your files MT940→CSV

Only have a PDF statement? That converts too.

A MT940 file means your bank gave you structured data — which most banks only do for the last few months. Beyond that you get a PDF, and a PDF won't open in Excel. BalanceExtract reads those directly: it works out the column layout from the document itself, handles scanned statements with OCR, checks that every running balance reconciles, and flags any row it isn't confident about before you export.

Same CSV output, same on-device processing, nothing uploaded.

Convert a PDF statement6 pages free, no signup, no card

How to convert MT940 to CSV in 3 steps

Step 1: Drop in your MT940 file

Drag the file onto the box above or click to browse. It is read in your browser — nothing is uploaded to a server, which you can confirm in the Network tab.

Step 2: Check what was found

Every transaction is read out with its date, payee, description, amount and transaction ID, along with any warnings about rows that need a look.

Step 3: Download the CSV

The CSV file saves straight to your device, ready to open in a spreadsheet or import into your accounting software.

MT940 is SWIFT's international bank statement format, common outside the US, UK, and India. This guide covers what's inside the file and a real structural quirk — multi-line narratives — that trips up naive parsers.

Quick summary

Reconciling an international account without retyping every SWIFT statement line by hand means reading MT940's real structure correctly. Each MT940 transaction is a fixed-format statement line (tag :61:) paired with a narrative (tag :86:) that can span multiple physical lines before the next transaction starts. This converter combines the full narrative into one clean description rather than only capturing the first line — this direction only; converting CSV to MT940 isn't currently supported.

What's Inside an MT940 File

Tag	What It Contains
:61:	The statement line itself — date and signed amount
:86:	The narrative describing the transaction, which can span multiple lines
:60F:	Opening balance for the statement
:62F:	Closing balance for the statement

A Real Parsing Issue This Handles

Multi-line narratives: a real narrative can wrap across several physical lines before the next :61: tag starts — only capturing the first line loses part of the real description.

Frequently Asked Questions

What is an MT940 file?: MT940 is SWIFT's international bank statement format — common outside the US/UK/India, used by many European and international banks for statement exports.
What information does it extract?: Date, description (from the narrative line following each transaction), and amount, correctly signed for debits and credits.
My bank's narrative spans multiple lines per transaction — is that handled?: Yes. A real MT940 narrative can wrap across several physical lines before the next transaction starts, and all of it gets combined into one clean description.
Is my data uploaded anywhere?: No. The conversion runs entirely in your browser — nothing is sent to a server.