Mainland ChinaBank
Bank of Communications statements: how to download them and turn them into clean data
Updated 11 November 2026
At Bank of Communications (交通银行), one card is one account with a single balance. Repayments of loans linked to the card show up in its transactions. Online banking exports the card’s transactions as an Excel file titled 交通银行银行卡交易明细查询表, which Selfirm reads.
What Bank of Communications provides, and what Selfirm reads
| File | Format | In Selfirm |
|---|---|---|
| Card transaction details (银行卡交易明细查询表) | XLS | Read |
| Credit card statements | Not read |
How to download the statement
We have not confirmed the current steps against an official Bank of Communications help page, so the following is general.
Log in to Bank of Communications personal online banking, open the card’s transaction details query, set the date range and export the result to Excel.
What the file looks like
Title and card number above the table. The sheet opens with the title 交通银行银行卡交易明细查询表 and a line 银行卡号： followed by the card number. The header row of the table comes after that, not on row 1.
The columns are 记账日期 (posting date), 交易方式 (channel), 对方户名 (counterparty), 摘要 (description), 支出金额 (money out), 收入金额 (money in) and 余额 (balance).
Dates are YYYY-MM-DD.
Empty amounts are “–”. When a row has no money out, the 支出金额 cell holds the text -- rather than being blank. The same for money in. This breaks sums, number formats and most CSV-to-number conversions.
No currency anywhere. Neither a column nor a heading names the currency. Selfirm reads the file as RMB.
Newest first. The most recent transaction is at the top.
Money in and money out are separate unsigned columns. The signed amount is money in minus money out.
Example
Fictional data:
| 记账日期 | 交易方式 | 对方户名 | 摘要 | 支出金额 | 收入金额 | 余额 |
|---|---|---|---|---|---|---|
| 2026-03-25 | 网上支付 | 示例电器商店 | 消费 | 600.00 | – | 4,400.00 |
| 2026-03-15 | 自动扣款 | 贷款到期归还 | 1,000.00 | – | 5,000.00 | |
| 2026-03-01 | 转账 | 示例设计工作室 | 汇入 | – | 3,000.00 | 6,000.00 |
Read oldest first:
| Date | Description | Amount (CNY) | Balance | Proposed as |
|---|---|---|---|---|
| 2026-03-01 | 转账 · 示例设计工作室 · 汇入 | 3,000.00 | 6,000.00 | Income or transfer, to confirm |
| 2026-03-15 | 自动扣款 · 贷款到期归还 | -1,000.00 | 5,000.00 | Loan repayment (transfer) |
| 2026-03-25 | 网上支付 · 示例电器商店 · 消费 | -600.00 | 4,400.00 | Expense |
Bringing it into Selfirm
Selfirm is in early access. You upload the Excel file as the bank produced it, or a folder of exports at once. Selfirm recognises it by its title, reads the card number from the line above the table, treats -- as no amount and puts the rows in date order.
It checks that the balance runs correctly row by row and from one export to the next. Rows repeated across overlapping exports are counted once. Transfers to and from your other accounts are proposed as transfers, and each movement is classified as income, expense or transfer for you to confirm. Every figure links back to the row of the file it came from.
Exporting to CSV or Beancount is planned, not available today. Join the waitlist to try it.
Other mainland China institutions Selfirm reads: Bank of China, China Merchants Bank, HSBC China, China Merchants Securities, CICC Wealth Management.
Common questions
Why does my spreadsheet formula fail on the Bank of Communications export?
Empty amount cells are not empty: they contain the text "--". Summing a column that mixes numbers and "--" either fails or skips values, depending on the program. Treat "--" as zero.
Which currency is the Bank of Communications export in?
The file does not say. Selfirm reads it as RMB (CNY).
Loan repayments appear in my card's transactions. Are they expenses?
Selfirm proposes them as transfers: repaying a loan reduces what you owe rather than paying for something. You confirm or change that.