How to Download Your Bank Statement for Tax (CommBank, ANZ, Up, Amex)

Published 13 June 2026 · About a 4 minute read

A year of work-related spending is already sitting in your bank, you just have to get it out. Every Australian bank lets you export your transactions as a file, and a CSV export of the financial year is the single most useful thing you can grab before tax time. Here is how to download one from the big banks, and what to do with it once you have it.

CSV or PDF?

Banks offer two formats. A PDF is a printout, fine for your records but awkward to work with. A CSV (sometimes labelled "comma-separated" or "Excel") keeps each transaction as its own row, which is what spreadsheets and tools can actually read. If you plan to sort the year into categories, grab the CSV. Set the date range to the financial year first: 1 July to 30 June.

CommBank (Commonwealth Bank)

  1. Sign in to NetBank on a desktop browser (the export option is easiest there).
  2. Open the account or credit card you spend from.
  3. Use Export / Search transactions, set the date range, and choose CSV (v2) or "Spreadsheet (CSV)".
  4. Download the file. In the CommBank app the same lives under the account's Export transactions option.

ANZ

  1. Sign in to ANZ Internet Banking.
  2. Select the account, then open Search or Export transactions.
  3. Set the date range and choose the CSV (or "Comma Separated Values") format, then download.

Up

  1. Up is app-first. Open the Up app and go to the account.
  2. Look for Export transactions (under the account or settings) and choose CSV.
  3. Up emails or shares the file. Save it to your device.

American Express (Amex)

  1. Sign in to your Amex account online.
  2. Go to Statements & Activity.
  3. Use Download, pick the date range and the CSV / Excel format, then save.

Other banks (Westpac, NAB, ING and the rest)

The wording moves around, but the path is the same everywhere: sign in, open the account, find Export, Download or Save transactions, set the financial-year date range, and pick CSV. If a bank only offers a PDF, that works too. It is just slower to sort.

Turn that statement into sorted expenses

Drop the CSV (or PDF) into Recpt and the AI sorts every transaction into ATO categories, flags the work-related ones, and leaves the personal ones alone. You review, then export a clean summary for your accountant. Free to start. No card needed.

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What Recpt reads (and what it ignores)

If you load the file into Recpt, we read only the transaction descriptions and amounts. We never ask for your bank login, and we do not read or store account numbers, BSBs or balances. The statement file is processed in memory and discarded. Only the expenses you confirm are kept.

Tip: a vague line like "AMAZON MARKETPLACE AU" tells you nothing about what you bought. If a lot of your spend is Amazon, our Amazon order-history guide shows how to make those charges match real purchases.

A note on records

A bank statement is good supporting evidence, but for most work-related expenses the ATO still expects a receipt or invoice as the primary record, kept for five years. A statement is a great way to find what you spent across the year; pair it with receipts where you can, and verify everything before you lodge.

Keep reading

This article is general information about record keeping, not tax advice. Recpt is a record-keeping tool, not a registered tax agent. Always check current ATO guidance at ato.gov.au and consult a registered tax agent before lodging.