commonwealth bank statement example

Download an authentic Commonwealth statement

In the CommBank app, open the account, Manage, then View statement. In NetBank, choose View accounts, then Statements.

Commonwealth official statement instructions ↗

Identify the account before the activity

The BSB and account number at the top of the statement identify which account produced it. Where you hold an everyday account, a savings account and a credit card, three documents arrive for the same month and the only reliable way to keep them apart afterwards is the identifier plus the period.

Record both in your extraction. The BSB is text, not a number: leading zeros are common and a numeric import destroys them without warning.

Fast transfers identify people, not accounts

A payment addressed to a PayID resolves to a phone number, email address or business identifier rather than a BSB and account number. The counterparty on the statement therefore appears in a different form from a traditional transfer, and a short message from the sender may be attached.

That message is frequently the only description of the payment's purpose, so capture the description field in full rather than truncating it to a recognisable name.

Bill payments and recurring arrangements

BPAY payments carry a biller code and a customer reference; direct debits recur under authorities you granted, with amounts that may vary between collections. Both are numeric-looking fields that spreadsheets mishandle, and both are worth preserving as text.

Listing the recurring arrangements once gives you a checklist for every later statement, which is the quickest way to notice a cancelled or duplicated authority.

Card purchases and the period boundary

Card purchases post after authorisation, which means a purchase made in the final days of the statement period can appear in the next one. This is the most frequent reason a customer believes a transaction is missing, and the fix is simply to check the following statement before investigating further.

Reconcile on the posting dates printed on the statement; add the purchase date in a separate column if your reporting needs it.

Running balance as a continuous audit

Where a balance is printed after each transaction, recompute it from the opening figure as you read. The first row where your figure and the printed one diverge is where the extraction went wrong, which turns an unexplained total into a single row to inspect.

Without that column, a failed reconciliation tells you only that something is wrong somewhere in the period.

Downloading CommBank statements from NetBank

Three CommBank products mean three separate requests for the same month. A statement is a closed document with opening and closing balances; a transaction list on screen keeps changing and cannot be reconciled.

Keep the PDF with any spreadsheet derived from it.

Fast payments in this commonwealth bank statement example

The identifier rows come first because three CommBank products in one month are easy to confuse later.

Once BSB and BPAY fields are stored as text, check:

• No identifier lost a character between the PDF and the sheet
• Transfer messages were captured in full, not truncated to a name
• A seemingly missing purchase was checked against the next statement first

National Australian conventions versus CommBank's own

Comparing another Australian bank shows which conventions are national and which are the bank's own. The Australian payment schemes above are documented by AusPayNet, the Australian payments industry body.

With the document saved locally, the Excel converter and CSV converter handle conversion and the extraction guide the checks.

Commonwealth Bank statement example: PayID and BPAY numbers