CSV to MT940

About CSV to MT940 Converter

Our free CSV to MT940 converter generates compliant SWIFT MT940 bank statement files from any CSV transaction data directly in your browser. The MT940 format remains the most widely used electronic bank statement standard globally, accepted by virtually all banking, ERP, and accounting systems. This tool lets you create MT940 files from spreadsheets, bank exports, or custom transaction lists without any special software.

The converter features intelligent multilingual header detection that recognizes column names in English, German, French, Spanish, Italian, Dutch, Portuguese, Turkish, Russian, and Chinese. It automatically maps your CSV columns to MT940 fields and handles diverse date formats (DD/MM/YYYY, YYYY-MM-DD, DD.MM.YYYY, named months) and amount conventions (US, European, and accounting formats) with zero manual configuration.

All MT940 generation runs entirely on your device with no data uploads. The output includes proper SWIFT message structure with transaction references (:20:), account identification (:25:), statement numbers (:28C:), opening balances (:60F:), transaction lines (:61:), transaction details (:86:), and closing balances (:62F:). An output quality scoring system validates the generated file for field completeness and format compliance.

Key Features

• SWIFT MT940 Compliant Output: Generates properly structured MT940 with all standard tags (:20:, :25:, :28C:, :60F:, :61:, :86:, :62F:, :64:)
• Multilingual Column Detection: Auto-detects headers in 10+ languages including English, German, French, Spanish, Turkish, Russian, and Chinese
• Flexible Date Parsing: Handles ISO dates, European formats (DD.MM.YYYY), US formats (MM/DD/YYYY), and named-month formats (20-Aug-2020)
• Universal Amount Handling: Parses US (1,234.56), European (1.234,56), and Swiss (1'234.56) number formats automatically
• Separate Deposit/Withdrawal Columns: Supports CSVs with split credit and debit columns in addition to single-amount formats
• Configurable Account Settings: Set account number, bank code, statement number, opening balance, and currency
• Manual Column Mapping: Override auto-detection with an optional mapping panel that dynamically shows relevant fields
• Output Quality Scoring: Validates account format, currency code, column mapping, and transaction data quality
• Transaction Preview Table: Interactive preview of parsed transactions with color-coded credit/debit amounts
• Multiple Export Options: Download as .mt940 file or copy the generated output to clipboard

How to Convert CSV to MT940

1. Configure MT940 settings: Set your account number, bank code, statement number, opening balance, and currency in the settings panel.
2. Upload or paste CSV data: Click Upload File to select a CSV file, or paste your transaction data directly into the input area.
3. Review column mapping: Check the auto-detected column assignments. Enable Manual Column Mapping to override if needed.
4. Click Convert to MT940: Press the conversion button to generate the SWIFT-compliant MT940 output with all transactions.
5. Check the quality score: Review the output quality percentage and any detected issues in the details panel.
6. Download or copy the result: Use the Download button to save as .mt940 or the Copy button to transfer to your clipboard.

Use Cases

• Banking System Testing: Generate realistic MT940 test files from CSV data for banking software development and quality assurance.
• ERP Import Files: Create MT940 statements from spreadsheet data for import into SAP, Oracle, or other enterprise systems that require SWIFT format.
• Legacy System Integration: Bridge modern CSV-based systems with older banking platforms that only accept MT940 format.
• Corporate Treasury: Convert internal transaction records into standard bank statement format for treasury management systems.
• Accounting Software Compatibility: Generate MT940 files for accounting packages that support bank statement import via SWIFT format.
• Payment Reconciliation: Create bank statement files from payment processor exports for automated reconciliation workflows.
• Data Migration: Convert historical transaction data from flat files into MT940 during banking system migrations.
• Training & Education: Generate sample MT940 files for training staff on banking formats and statement processing.

Frequently Asked Questions

Tips & Best Practices

• Include descriptive headers: CSV files with clear column headers (Date, Amount, Description, Reference) produce the most accurate auto-detection results.
• Set the correct currency: Choose the appropriate currency code in MT940 Settings before converting, as this affects the balance and transaction formatting.
• Verify the opening balance: Enter an accurate opening balance to ensure the closing balance calculation in the generated MT940 is correct.
• Review the transaction preview: Always check the preview table after conversion to verify that amounts, dates, and debit/credit classifications are correct.
• Use manual mapping for complex CSVs: If your CSV has non-standard headers or separate deposit/withdrawal columns, enable the manual mapping panel for precise control.
• Check the quality score: Address any warnings or errors reported by the output quality assessment before using the MT940 file in production systems.