Import your bank statement without connecting your bank

WHAT IT IS

What importing a statement means in Tally

Importing means choosing a file you already downloaded from your bank (CSV, Excel, or Norma 43) so Tally can propose the movements it contains. You review them and decide which ones are saved.

It is not a bank connection. Tally does not access your account, does not ask for your credentials, and does not fetch movements on its own. Each import starts when you select a file and ends when you confirm the rows you want to add.

It is useful for bringing in a history or a full month without typing, while keeping control over what enters the app and which account it goes to.

FORMATS

Which files Tally accepts

Three formats: CSV and Excel (.xlsx) exported from online banking, and Norma 43, the Spanish statement standard. One file is imported into one Tally account.

CSV

Importing a bank CSV

CSV is the most common online-banking export. Tally detects the separator (comma or semicolon) and the encoding (UTF-8 or Latin-1), discards empty or decorative rows, and extracts each movement as text. It then sends those rows, with IBANs and card numbers masked, to a secure function that normalizes them: amount, date, concept, type, and a suggested category.

Every bank names its columns differently, so the proposal arrives with a confidence level per field and you review it before saving. You do not need to prepare the file: export it as is and review it in Tally.

EXCEL

Importing an Excel (.xlsx) file

If your bank exports to Excel, choose the modern .xlsx format. Tally reads the sheet on your phone, treats it like a CSV, and shows the same preview. Legacy .xls is not supported; if your bank only offers that, export as CSV or open the file and save it as .xlsx.

If you keep your expenses in your own spreadsheet, you can bring it over too: export the sheet to .xlsx or CSV and review the proposed rows. It is the way to move to Tally without retyping.

NORMA 43

Importing a Norma 43 file

Norma 43 (also Cuaderno 43 or CSB 43) is the standard statement format of Spanish banks. It is a fixed-width text file with the account header, each movement with its date, amount, and sign, and control totals at the end.

Tally recognizes it by content, not by extension, and reads amount, date, and type exactly, without AI. Only the concept texts are sent to clean them and suggest a category; if that suggestion is unavailable, the import continues with the bank's exact data and you assign categories by hand. If the file holds more than one account, Tally asks you to export a single one.

BEFORE YOU START

How to get your statement

Every bank names it differently, but the path is similar everywhere.

1. 1

   Sign in to online banking

   The browser version usually offers more export options than the bank's app.

2. 2

   Open the account movements

   Choose the account and the period you want to bring into Tally. One file per account.

3. 3

   Look for “Export” or “Download”

   Select CSV, Excel (.xlsx), or Norma 43 / Cuaderno 43, depending on what your bank offers.

4. 4

   Save it where your phone can see it

   In Files (iPhone), in phone storage (Android), or in a cloud folder you can reach from your phone.

IN TALLY

Step by step in Tally

Import lives next to “Scan receipt” under the + button. It requires Tally PRO: without it you see the PRO screen before choosing any file.

1. 1

   Choose the destination accountPRO

   One file is imported into a single Tally account. If you need several, run one import per account.

2. 2

   Select the file

   CSV, .xlsx, or Norma 43. Tally reads it on your phone and discards headers, totals, and empty rows.

3. 3

   Wait for the proposal

   Rows are normalized in batches. For CSV and Excel, text travels with IBANs and cards masked; for Norma 43, only the concepts. The whole file is never uploaded.

4. 4

   Review the preview

   Each proposed movement shows amount, date, concept, type, and category with a confidence indicator. Possible duplicates against what the account already holds arrive unchecked. Edit any field or uncheck rows.

5. 5

   Confirm

   Only the rows you leave checked are saved. If you cancel, nothing is created. Afterwards you can edit or delete any movement like any other.

PRIVACY

What leaves your phone during import

The whole file does not leave the device. Tally reads it on your phone and sends only what is needed to prepare the proposal.

• CSV and Excel: text rows are sent in batches, with IBANs and card numbers masked, to a secure function that asks an AI model to normalize them. Neither the file nor the rows are stored; technical logs keep only metrics.
• Norma 43: amount, date, and type are read on the phone. Only concept texts travel to clean them and suggest a category.
• Confirmed movements are saved on your device like any other. They only sync if the destination is a shared account you enabled.
• Duplicates are detected on the phone by comparing date, amount, and type with what you already have.

• What privacy-first means in Tally: services and actions

THE DIFFERENCE

Importing a file is not connecting your bank

LIMITS

Good to know beforehand

• Statement import is a Tally PRO feature.
• Formats: CSV, Excel .xlsx, and Norma 43. No PDF and no legacy .xls.
• One file goes into one account; a Norma 43 file must contain a single account.
• About 1,000 rows per import. Split very long statements by period.
• We do not publish a list of supported banks: any bank that exports CSV, .xlsx, or Norma 43 works, and the preview lets you fix whatever the proposal gets wrong.
• Re-importing a CSV exported by Tally itself happens in Settings; it is a separate merge flow for your own data, free, without row-by-row review.

FAQ

Frequently asked questions