The CSV format we produce
The file is UTF-8 with a header row:
Date,Description,Reference,Debit,Credit,Amount,Balance
- Date is ISO
YYYY-MM-DD, the format almost every importer accepts without configuration. - Amount is signed (negative = money out). Use it for apps that expect a single amount column.
- Debit / Credit are split columns for apps that expect them separately.
- Descriptions that start with
=,+,-or@are escaped so they can’t run as spreadsheet formulas.
Importing the CSV
Google Sheets
File → Import → Upload → choose the CSV → “Replace current sheet” or “Insert new sheet”.
Budgeting apps
Map Date → Date, Description → Payee/Memo, and Amount → Amount (or Debit/Credit → Outflow/Inflow).