Convert an ING Bank Statement to Excel
ING statement conversion across Dutch, German and Belgian layouts, with the SEPA and decimal-comma handling those require.
ING operates across the Netherlands, Germany, Belgium, Poland and elsewhere, with layouts that differ by market. The shared characteristics are European: decimal commas and SEPA descriptors.
Dutch statement conventions
Dutch statements use the decimal comma, and frequently mark direction with Af (off, a debit) and Bij (added, a credit) rather than separate columns. A converter looking for debit and credit column headers finds neither.
Where a single amount column carries a direction marker, the marker has to be read and the value routed accordingly — the same problem as Kotak's combined column in India, in a different language.
| Marker | Language | Means |
|---|---|---|
| Af | Dutch | Debit |
| Bij | Dutch | Credit |
| S / H | German (Soll / Haben) | Debit / Credit |
| D / C | Various | Debit / Credit |
| DR / CR | English | Debit / Credit |
Verification catches a wrong reading
If the direction markers are misread — every transaction landing in the debit column, say — the balance chain fails on the second row. That is a fast, definitive signal that the split went wrong, and it is why the chain check matters on any statement using a combined amount column.
Converting
Upload the statement as issued. The layout is read from the file rather than assumed from the bank name, which is what allows one tool to handle the Dutch and German layouts, and every cell comes through as printed — Af and Bij markers, decimal commas and SEPA descriptors included.
What the export contains
| In the file | What you get |
|---|---|
| ING's own columns | Every heading as printed, in the same order, value date included where the statement prints one |
| Dates | Exactly as printed, with nothing reformatted |
| Descriptions | The full SEPA descriptor — counterparty, IBAN, reference — as printed, with wrapped lines joined into one cell |
| Amounts | As printed, decimal comma included, with the Af or Bij marker left where ING put it |
| A Completeness sheet | What the rows could be checked against, and the result |
Nothing is split or re-signed. Af is money out and Bij money in, so a formula on the marker column gives you a signed amount when you need one, and the reference can be pulled out of the descriptor the same way.
Incasso and direct debit rows
Dutch direct debits — incasso — carry a mandate reference identifying the specific authority. As with German statements, that is the field you need to identify and revoke a mandate, and grouping by it gives the complete list of organisations that can collect from the account.
Dutch consumers also have a right to reverse an incasso within a set period, and the mandate reference is what identifies which collection to dispute.
Frequently asked questions
Does this handle Rabobank and ABN AMRO?
The reader works from the table on the page rather than a list of banks, so Rabobank and ABN AMRO statements are read the same way. Check the Completeness sheet on your first one.
How are Af and Bij markers handled?
They are kept beside each amount exactly as printed; nothing is moved into separate debit and credit columns. A formula on the marker turns them into signed amounts when you need them.
Are ING Germany statements different?
Yes, they follow German conventions rather than Dutch ones, and are detected as a separate format.
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Convert a statement now
Bank Statement PDF to Excel, or see every format. More in the guides.