Help

CSV and Excel tips

What comes out

• One row per transaction, oldest first, with the columns Date, Description, Amount, Debit, Credit, Source file.
• Date is year-month-day (2026-06-01). Amount is signed: negative is money out. Debit and Credit split the same amount into two columns. Description is as the bank wrote it (see the next point for the one exception).
• The CSV is UTF-8 with a byte-order mark, so Excel on Windows shows accents correctly. A description that starts with =, with @, or with + or - followed by a letter or an opening round bracket gets an apostrophe in front, so a spreadsheet opens it as text. Other descriptions are written as they are, including ones that start with + or - followed by a number.
• The Excel (.xlsx) file (subscription) has amounts as real numbers so sums and pivots work, a bold header and a filter.
• A running balance is not carried over: banks print it inconsistently and it isn't needed for import.

Which bank CSVs are read

• A date column, a description, and either one signed Amount column or a Debit/Credit pair. US (month/day), day-first and year-month-day dates are all read; the page says which it decided.
• A file with no header row (Wells Fargo's) is read by the shape of its columns. An account summary above the header (Bank of America's) is skipped.
• Under each file, the page says which columns it used and which way it read the signs. If money in shows as money out, Flip signs fixes it for that file.

Balances add up

If your CSV has a running-balance column, or the statement prints its opening and closing balance, each file gets a check: each balance should equal the one before it plus that row's amount, and the opening balance plus the transactions should equal the closing balance. When it doesn't, some rows were missed or misread, and the page says by how much. A statement doesn't reliably say whether it's a bank account or a card (a card's balance is what you owe, so it runs the other way), so until you choose Bank account or Credit card under the file, the check tells you which one the balances fit, or whether neither fits. It shows a green “Adds up” only after you choose, and only when the statement prints an opening balance and no transaction rows were dropped or PDF lines skipped. Rows are checked in date order: files listed newest first are read from the bottom; rows are never reordered to fit. Single-day files keep their listed order. It's a check, not a gate: you can still download.

Limits

• Each file up to 25MB, and 100MB for everything open at once.
• A bank CSV over 200,000 rows is refused: split the export by year.
• One converted file holds up to 500,000 rows; convert fewer statements at a time past that.
• The free tier converts one statement at a time to CSV. The subscription converts any number together, as one table, and adds Excel, QuickBooks and OFX.

Questions

Why is the Amount negative?

Negative is money out, positive is money in. The same amount is also split into Debit (out) and Credit (in) columns.

My bank's CSV was read wrong. What now?

First try Flip signs if money in and out are reversed. If it's still wrong, click “My bank didn't work” on Convert or Insights and email the layout report to support@avyth.com, or just email us the bank's name. Don't send the file.

Something else? Email support@avyth.com. A person reads it.