How to Convert ING Bank Statements to Excel and CSV

Managing your banking records can be time-consuming, especially when the export you get back is unusable in your accounting software. If you're an ING customer in Australia, you’ve probably asked: how can I export ING transactions to Excel? Or maybe you've looked for how to download ING bank statements in CSV format.

ING does let you export transactions. The problem is what comes out: notoriously verbose descriptions that Xero can't categorise, inconsistent column layouts, and currency symbols baked into the amounts. For tax season, budgeting, or accounting, that raw file needs work.

In this guide, we’ll show you exactly what ING gives you, where it breaks, and how to convert ING PDF bank statements into clean Excel or CSV using StatementSheet.

Can You Download ING Bank Statements Directly in Excel or CSV?

Short answer: yes for transactions, but the file you get is famously hard to work with.

In ING Online Banking, open My Finances then Transaction history, and you can export your transactions as a CSV or a QIF file. The catch is well documented: ING Direct's CSV output is excessively verbose, cramming payee and description together in a way Xero can't automatically categorise. Australian developers have written parsers whose entire purpose is separating those fields back out. Other quirks follow: some ING statements use separate Credit and Debit columns while others use a single signed Amount column, and currency symbols are embedded directly in amount cells, which breaks numeric parsing in Excel and most CSV importers.

The formal statements are separate. From the navigation menu select Statements, then View statements, choose your account and period, and click Find to download the electronic statement as a PDF. ING also offers an Interim statement, which covers the period since your last issued statement, handy when you need something more recent than your last cycle.

So when you need the official statement, a file that imports cleanly into Xero or MYOB without hand-editing, or older archived periods, download the PDF and convert it with StatementSheet.

Why Convert ING PDF Bank Statements to Excel or CSV?

ING's native CSV exists, but it rarely lands ready to use. Converting the PDF statement solves the problems the raw export creates:

• Fix the verbose descriptions Xero can't handle

  ING's CSV crams the payee and description into one overloaded field, which blocks automatic categorisation in Xero. A proper conversion separates them into distinct columns so your rules actually fire.

• Strip the embedded currency symbols

  ING statements embed the dollar sign directly in amount cells (for example "$1,234.56"), which breaks numeric parsing in Excel and most CSV importers. Converted output arrives as clean numbers.

• Handle both ING column layouts

  Some ING formats use separate Credit and Debit columns, others a single signed Amount column. Treating one like the other produces wrong amounts or flipped signs across your whole file.

• Tax Filing & BAS Preparation

  Preparing your Business Activity Statement (BAS) or income tax return with the ATO is much easier with structured, correctly signed transaction data.

• Validate against the running balance

  ING statements carry a running balance column that most converters ignore. Cross-checking it against the opening and closing balances is how you catch a missing or duplicated transaction before it reaches your books.

ING Native Export vs. PDF Statement: Which Should You Use?

ING gives you two routes, and the raw export needs more cleanup than most Australian banks'.

Rule of thumb: if you're happy to clean up the file yourself, the native export works. For anything importing into Xero or MYOB, or for the official statement, convert the PDF to CSV (for accounting) or Excel (for analysis).

Why Use StatementSheet?

Looking for a fast, secure, and accurate way to convert ING PDF statements to Excel or CSV? Here's why StatementSheet is the go-to solution:

• ✔️ Separates payee from description, which ING's verbose CSV merges into one field
• ✔️ Strips the embedded currency symbols that break Excel's numeric parsing
• ✔️ Detects whether your statement uses Credit/Debit columns or a signed Amount column, and normalises it
• ✔️ Extracts the running balance and cross-checks it against opening and closing balances
• ✔️ Normalises ING's inconsistent date formats within the same document
• ✔️ Parses PayID, Osko and instant payment references correctly
• ✔️ Handles reverse chronological ordering, deriving balances correctly
• ✔️ Outputs ready-to-use Excel (.xlsx) or CSV for Xero AU, QuickBooks AU and MYOB

How to Convert ING PDF Bank Statements in Four Easy Steps

Here’s how you can convert your ING PDF bank statements

Step 1: Download Your ING PDF Bank Statement

1. Log in to ING Online Banking using your client number (on the back of your Orange Everyday card, a recent statement, or in the ING App) and access code
2. From the navigation menu, select Statements, then View statements
3. Select the account (Orange Everyday, Savings Maximiser) and the period from the dropdown
4. Click Find, then download the electronic statement as a PDF (if it doesn't appear, check whether it opened in a separate window)

Need something more recent than your last statement? Choose Interim statement instead. If you only want raw transaction rows, My Finances then Transaction history lets you export CSV or QIF, but expect to clean up the verbose descriptions and embedded dollar signs before importing anywhere.

Step 2: Upload your PDF Bank Statement

Step 3: Our smart engine converts it to a structured Excel or CSV file.

Step 4: Check result & Download your converted document instantly

Can You Convert ING Statements Manually?

ING statements are unusually inconsistent internally. The same document can use "30 Jun 2025" for statement dates and "15/03/2025" for transactions, which causes silent date misinterpretation the moment a spreadsheet guesses. Transactions are also listed in reverse chronological order, newest first, so any balance you derive by working downwards will be wrong unless you work backwards from the closing balance.

Then there's the layout roulette: separate Credit and Debit columns in some formats, a single signed Amount column in others. Get it backwards and every sign flips. Currency symbols sit inside the amount cells rather than the header, so a straight paste gives you text, not numbers. And the running balance column, which is your only reliable check against a dropped row, is exactly what a manual copy tends to lose.

An automated converter detects the layout, strips the symbols, normalises the dates, separates payee from description, and validates the running balance against opening and closing figures, which is why the four-step method above beats hand-cleaning ING's raw output.

Frequently Asked Questions

Tips for Organising Your ING Bank Statements

Once you’ve converted your ING statements into Excel or CSV, here’s how to get more out of them:

• Check the running balance ties out

  Cross-check the running balance column against the statement's opening and closing figures. It's the only reliable way to spot a missing or duplicated transaction before it reaches your books.

• Re-sort into chronological order

  ING lists transactions newest first. Most accounting imports expect oldest first, so flip the sort after converting to keep the balance progression readable.

• Confirm the dates survived normalisation

  Because ING mixes "30 Jun 2025" and "15/03/2025" within one document, spot-check early-month transactions before importing into Xero or MYOB.

• Use Excel pivot tables

  Generate monthly summaries or financial overviews tailored to your ATO reporting needs.

• Store converted files securely

  Use encrypted cloud storage (like Google Drive or OneDrive) to keep backups ready for any future financial review or tax submission.

Troubleshooting Common ING Conversion Issues

• Amounts import as text, not numbers

  ING embeds the dollar sign in the amount cell itself. Strip it before importing, or convert the PDF and get clean numeric values from the start.

• Xero won't auto-categorise your transactions

  ING's raw CSV is excessively verbose, with payee and description merged. Xero needs them separated. Convert the PDF instead of hand-splitting hundreds of rows.

• Every sign is flipped

  You've read a Credit/Debit statement as a signed Amount one, or vice versa. Check which layout your statement uses before totalling anything.

• Your statement doesn't cover recent days

  Statements are issued on a cycle. Use Interim statement to get everything since your last issued statement, then convert that PDF.

Final Thoughts: Take Control of Your ING Financial Data

ING does export CSV and QIF, but the raw file is one of the messiest in Australian banking: verbose descriptions Xero can't parse, currency symbols inside the amounts, two different column layouts, and dates in mixed formats within a single document.

With StatementSheet, you can convert your ING PDF statements into clean, correctly signed, import-ready Excel or CSV files in a few clicks. No more copying and pasting. No more manual entry errors.

➡️ Ready to convert your ING bank statement to Excel or CSV?
Convert PDF Bank Statements now with StatementSheet.