What is an MT940 file?
MT940 is a standard format for bank statements, originally from SWIFT. It is a text file with codes such as :61: for a transaction and :86: for the description. Accounting packages import it; for a person it is hard to read.
Open an MT940 or CAMT.053 file
A bank statement in MT940 or CAMT.053 is made for your accounting package, not for reading. Drag the file into the viewer below and you see all transactions at once, with a check that the balance adds up and a CSV for Excel.
- Free
- MT940 and CAMT.053
- File stays in your browser
- CSV for Excel
Open an MT940 or CAMT.053 file
How to open a bank statement
Choose the file
Export the statement from your online banking as MT940 or CAMT.053, or take the file your client submitted, and drag it into the viewer.
View the transactions
Date, counterparty, description and amount are laid out at once. Search by name, account number or invoice number.
Download as CSV
One click and you have the transactions in Excel, with amounts Excel recognises as numbers straight away.
Two formats for the same statement
Every Dutch bank offers the statement as an export file for bookkeeping. MT940 is the older text format, CAMT.053 the XML successor with more detail about the counterparty. Banks are slowly moving from the first to the second, but you still come across both every day.
The viewer recognises the format itself. A PDF statement or a CSV export is already readable; you do not need this for those.
Which formats does the viewer read?
MT940
The older SWIFT format; often with the extension .sta, .940 or .txt
CAMT.053
The XML successor under ISO 20022; every Dutch bank offers it
What you see
- Account, period and the number of transactions
- Total credited and debited
- Whether opening balance plus transactions equals the closing balance
- Each transaction with counterparty, account, description and reference
- Search by name, account number or invoice number
See straight away whether the statement is complete
An export with a missing day, or one that overlaps the previous one, normally only shows up when the bank does not reconcile in your administration. The viewer adds all transactions to the opening balance and compares the result with the closing balance in the file, to the cent.
The statement never leaves your browser
The viewer reads the file with JavaScript on your own device. No server request with the statement leaves your device, no AI model is involved and nothing is stored, not in the URL and not in your browser's storage. So you can safely open your clients' statements.
The viewer uses the same readers that Agentancy uses to import bank statements. No rights can be derived from the display.
Questions about MT940 and CAMT.053
What is a CAMT.053 file?
CAMT.053 is the XML version of the bank statement, under the international ISO 20022 standard. It contains the same data as MT940, often with more detail about the counterparty. Banks are slowly moving from MT940 to CAMT.053.
How do I open an MT940 or CAMT.053 file?
Drag the file into the viewer at the top of this page, or click to choose it. You immediately see all transactions with date, counterparty, description and amount, and you can search them.
How do I convert a bank statement to Excel?
Open the file in the viewer and click Download as CSV for Excel. The file uses a semicolon and a decimal comma, so a Dutch Excel recognises the amounts as numbers straight away.
Is my bank statement sent anywhere?
No. The file is read in your own browser and is not sent to Agentancy or anyone else, not put in the URL and not stored. Refresh the page and it is gone.
What does it mean if the statement does not reconcile?
Then the opening balance plus all transactions does not equal the closing balance. Usually a day is missing from the export, or two exports overlap. It can also be a transaction the viewer could not read; compare with the statement in your online banking.
More checks without an account
- Check a VAT numberCheck an EU VAT number with VIES, including name and address.
- Check an IBANTest the check digits and length of an IBAN, in your browser.
- Convert a payment referenceFrom payment reference to assessment number, and back.
- UBL viewerOpen a UBL e-invoice as a readable invoice.
- RGS code lookupFind a GL account in the Dutch Reference Chart of Accounts.
Match bank transactions instead of sorting them out?
Agentancy processes invoices and receipts for accounting firms and matches the bank transactions to them, in the client's accounting package. Try it free for 30 days.
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