How to export your bank statement as a CSV file
Downloading your transactions as a spreadsheet file takes about a minute in New Zealand internet banking. Here is how, and what to watch out for.
4 minute read · Updated November 2026
A CSV ("comma-separated values") file is a plain spreadsheet of your transactions: date, description and amount, one per line. Every major New Zealand bank lets you download one from internet banking. CSV files can be opened in Excel, Google Sheets or Numbers, and they work with budgeting tools like MoneyLeaks.
The general steps
Menu names change from time to time, but the process is very similar at every bank:
- Go to your own bank's website and log in to internet banking as usual. Exporting is usually easier on a computer than in the mobile app.
- In your internet banking, click the account you spend from (for example your everyday account) so you can see its list of transactions.
- Still in your internet banking, look for an option called Export, Download, or a download icon near the transaction list.
- Choose the date range. For budgeting, three to six months is ideal.
- Choose CSV as the format (not PDF, OFX or QIF).
- Save the file somewhere you can find it, such as your Downloads folder.
Bank-by-bank notes
- ANZ: the CSV includes separate columns for details, particulars, code and reference. MoneyLeaks combines these into one description.
- ASB: the export starts with a few lines of account information before the column headings. That's normal and is handled automatically.
- BNZ: dates may use two-digit years (for example 15/08/26). These are read as 2026.
- Westpac: the export includes "Other Party", "Description" and "Reference" columns.
- Kiwibank: there are basic and extended export formats. Either works; the extended one gives more detail about who you paid.
- Co-operative Bank, TSB and others: some exports use separate "Debit" and "Credit" columns instead of a single amount. That's handled too.
If your bank's menus look different from this, search your bank's help centre for "export transactions". If a file doesn't work in MoneyLeaks, you can choose the right columns yourself with the "Check columns" button.
Include all your accounts
For a complete picture, export every account you spend from: your everyday account, any credit cards, and joint accounts. You can drop several files in at once. Transfers between your own accounts are recognised and left out of your spending totals, so they aren't double-counted.
Credit card exports
Some credit card exports show purchases as positive numbers instead of negative ones. MoneyLeaks detects this and flips them so they count as spending. If you see purchases counted as income, tick "Spending is shown as positive numbers" under "Check columns".
Keep the file safe
Your statement contains private information. A few sensible habits: only open it on your own device, don't email it to anyone you don't need to, and delete it from your Downloads folder once you're finished. MoneyLeaks reads the file in your browser without uploading it, so there's no copy stored anywhere else.
Why not PDF?
PDF statements are designed for printing, and the layout differs between banks and even between statement periods. That makes them unreliable to read automatically. A CSV contains exactly the same transactions in a clean, consistent format.