How to merge multiple bank statements into one spreadsheet

Once you have more than one account — personal and business, or several banks — analyzing cash flow means pulling everything together. Merging statements into one spreadsheet finally gives you the full picture.

Why merging is fiddly

• Every bank uses a different statement layout.
• Periods don't always line up.
• Without a source column, you lose track of which account a row came from.
• Internal transfers between your own accounts double-count if you are not careful.

The method

Use the batch converter: drop all your statements (any bank) at once, convert them together, and download one merged file with a "File" column for traceability. You choose the column order, and can export to a plain CSV or an accounting format.

Watch internal transfers

Money moved between your own accounts appears twice — out of one, into the other. Auto-categorization flags these as internal transfers; net them out before totaling real spending.