Kiwibank statement to CSV

Getting the PDF out of Kiwibank

1. Log in to internet banking.
2. Click Settings at the top of the screen.
3. Under Transactions and Accounts, click Statement vault.
4. Click Download for each statement you want, and it downloads as a PDF. For statements older than 12 months, click Show All first.

Statements can be downloaded only in internet banking, not in the app. In the refreshed internet banking they are also reached from the accounts overview, through the three dots at the bottom right of the account’s box.

For an accountant, Kiwibank offers a data view only user in internet banking for business, who can see your accounts and transactions but cannot make payments or change details. You add one under Settings, then Manage data users.

From Kiwibank’s own help: Bank statements, Online banking refresh, Internet banking for business.

What a Kiwibank statement looks like, and what we do with it

Page one lists every account the statement covers with its balance on the closing date, and from page two each account has a block of its own: Account Name, Product Name, Personalised Name and Statement Period, then a table headed Date, Transaction, Withdrawals, Deposits and Balance. Withdrawals and deposits are unsigned and in separate columns, every figure carries a dollar sign, and a transaction’s own line ends with the balance it left, in date order. A statement period need not be a calendar month; one we tested ran from late April to late August.

Every line of a transaction repeats its date, the "Ref:" line under it included, and an automatic payment’s lines print PERIODIC PAY where the balance would be.

We read a dated line with no money on it as more of the row above, so the reference, and PERIODIC PAY where it is printed, join the payee in one description, with any line wrapped under them.

The reference of a page’s last transaction can be printed at the top of the next page, above another transaction on the same day.

We leave that reference off rather than give it to the transaction below it, which is not its own.

The table opens with a dated "Opening Account Balance..." and closes with "Closing Account Balance...", and no totals of money in and out are printed.

We take the opening and closing balances from those lines and export neither, check every row against the running balance, and check the rows arrive at the closing balance.

Upcoming Payments follows the closing balance, each line with a payment due after the statement ends, its date and its amount.

We read none of it as a transaction.

One statement can hold several accounts, each with its own Opening and Closing Account Balance lines, and an account that did nothing in the period still prints both.

Each account is checked against its own balances, and none runs on from the account printed above it.

What this page is based on

Three statements from three community groups in 2024, published with council grant and community board papers. The main one is a Now Account statement of about four months, close to seventy rows, in which every balance agreed with our arithmetic and the closing figure was reached exactly. The other two are short: a five-account statement, four Free Up Accounts and an Online Call Account, where the two accounts that moved money each reconciled on their own, and a one-account statement with a single payment.

Kiwibank issues its Business+ Visa and Business Low Rate Visa in the cardholder’s name, so they are not in the business account list by default, and none of their statements has reached us. Neither has a Business Edge or Notice Saver statement.

Once it is converted, the import steps for each accounting package are the same for every bank.

Questions

Privacy, scans and price work the same for every bank, and the home page answers them.