Convert an OCBC Bank Statement to Excel
OCBC statement layout, the combined product statements, and how to verify each section independently.
OCBC issues consolidated statements covering every product a customer holds, which is the defining feature for conversion purposes.
One document, many products
A single OCBC statement can cover a 360 Account, a fixed deposit, a credit card and a unit trust holding. These are not variations of the same thing — they have different data shapes and different verification properties.
A converter that flattens them into one transaction table produces something that reconciles against nothing. Each product section is effectively its own statement.
360 Account bonus interest
OCBC 360 accounts pay tiered bonus interest depending on whether you met criteria that month — salary credited, card spend, bill payments. The interest credit appears as one or several transaction rows.
Those rows are small and easy to overlook. If your credit total falls slightly short of the printed figure, a missing interest row is the usual cause.
Verifying
- Label and filter to one product section No account column is added, but the rows stay in printed order, so fill one down from where each product's section starts, and filter on it.
- Check that section's own opening and closing balance Each is an independent chain.
- Compare that section's totals Against the figures OCBC prints for that product.
- Repeat per section A single figure across a consolidated statement is meaningless.
What the OCBC export contains
| In the file | What you get |
|---|---|
| OCBC's own columns | Every heading as printed, in the same order. No Account column is added |
| Row order | As printed, so each product's rows stay together |
| Dates | Exactly as printed, with nothing reformatted |
| Descriptions | In full, PayNow and GIRO references included, with wrapped lines joined into one cell |
| Withdrawal and Deposit | Each figure in the column OCBC printed it in |
| A Completeness sheet | The rows checked against the balances printed beside them, and the statement's own totals where it prints them |
GIRO transactions
GIRO is Singapore's direct debit scheme, and GIRO rows carry the originating organisation's identifier alongside a reference. Both are useful: the organisation identifies the recurring commitment, the reference ties it to a specific bill.
For anyone auditing recurring outgoings — which is a common reason to convert a statement — filtering to GIRO rows gives you the complete list of standing commitments in one view.
Frequently asked questions
Can I extract only the credit card transactions?
Yes. The rows come through in printed order, so the card section's rows sit together: copy that block to its own sheet, or add an account column filled down from where each section starts, and filter on it.
How do I list all my recurring payments?
Filter to GIRO rows and group by the originating organisation. That gives the complete set of standing commitments on the account.
Are unit trust holdings included as transactions?
They are not transactions, so they should never be totalled as if they were. Check the converted file for holdings rows and leave any out of your sums.
Related posts
- Convert a UOB Bank Statement to Excel
- Convert a Philippine Bank Statement to Excel
- Convert an ADCB Statement to Excel
Convert a statement now
Bank Statement PDF to Excel, or see every format. More in the guides.