My CMB transaction PDF only shows part of my card number. Is that a problem?

The personal PDF prints only the first four and last four digits of the account. That is usually enough to tell your cards apart. When it is not, Selfirm places the statement by matching its balances with the account's earlier statements.

Why are there rows with an amount of 0.00?

CMB prints interest postings for foreign currency balances even when the interest is zero. They move no money and can be ignored, but they do confirm that the currency exists on the card.

Is a refund (快捷退款) income?

No. A refund reverses part of an earlier purchase, so Selfirm proposes it as a reduction of spending rather than as income.

China Merchants Bank statements: how to download them and turn them into clean data

China Merchants Bank (招商银行, CMB) gives individuals a transaction-record PDF and gives companies an account statement spreadsheet. Selfirm reads both. A personal card can hold several currencies, each with its own balance, plus fund and wealth-management sub-accounts; a corporate account has one balance per currency.

What CMB provides, and what Selfirm reads

File	Format	In Selfirm
Personal transaction record (招商银行交易流水)	PDF	Read
Corporate account statement (对账单) from corporate online banking	XLSX	Read
Credit card statements		Not read

How to download the statement

We have not confirmed the current steps against an official CMB help page, so the following is general.

Personal. The transaction-record PDF is requested from the CMB app. Search the app for 流水打印 (transaction record printing), pick the date range and give an email address; the file is sent there. Users report that it arrives as a protected archive, with the code to open it shown in the app’s request history. CMB runs a public page where a printed record can be checked against the bank’s data.

Corporate. The account statement is exported from CMB corporate online banking, in the account management area. Choose the account and month and export it as a spreadsheet.

What the file looks like

Personal transaction PDF

The document is titled 招商银行交易流水. The table columns are 记账日期 (posting date), 货币 (currency), 交易金额 (amount), 联机余额 (balance), 交易摘要 (description) and 对手信息 (counterparty).

Dates are YYYY-MM-DD.

Amounts are signed in a single column: money out is negative.

Several currencies in one table. A card with RMB and USD shows both in the same table. Each currency’s 联机余额 runs on its own; the RMB balance on one row and the USD balance on the next have nothing to do with each other. Sorting the table by date and checking one running balance mixes them up.

The account number is masked. The header prints 账号： followed by the first four and last four digits only.

Zero-amount interest rows. Foreign currency interest postings appear even when the interest is 0.00.

Corporate account statement XLSX

The header is not on the first row. The sheet starts with a description block, including a cell labelled 标题 whose value is 对账单, the opening balance (对账单期初余额) and the closing balance (对账单余额). The transaction table starts below it.

The columns include 交易日 (date, YYYY-MM-DD), 币种 (currency, written as 人民币, 美元 and so on), 借方金额 (debit), 贷方金额 (credit), 余额 (balance), 交易类型, 摘要 and 收(付)方名称 (counterparty), and 账号 (account number).

Debit and credit are separate, unsigned columns. The signed amount is credit minus debit.

The opening and closing balances are given. That makes the statement self-checking: opening balance plus credits minus debits must equal the closing balance.

Example

Fictional data, a personal transaction PDF for a card with RMB and USD:

记账日期	货币	交易金额	联机余额	交易摘要	对手信息
2026-03-05	人民币	8,000.00	18,000.00	转账汇款	示例科技有限公司
2026-03-08	人民币	-300.00	17,700.00	快捷支付	示例书店
2026-03-21	美元	0.00	500.00	结息
2026-03-25	人民币	50.00	17,750.00	快捷退款	示例书店

The RMB rows chain: 18,000.00 − 300.00 + 50.00 = 17,750.00. The USD row is a zero interest posting with its own balance of 500.00. The 50.00 refund is proposed as a refund that reduces spending, not as income.

Bringing it into Selfirm

Selfirm is in early access. You upload the PDF or XLSX as CMB produced it, or a folder of statements at once. Selfirm recognises which of the two files it is and picks the matching reader.

It keeps each currency’s balance separate and checks that each runs correctly, row by row and from one statement to the next; for the corporate statement it also checks the printed opening and closing balances. Rows repeated across overlapping files are counted once. Transfers between your CMB card and your other accounts, such as a broker account, are proposed as transfers. Each movement is classified as income, expense or transfer for you to confirm, and every figure links back to the page or row 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: China Merchants Securities, Bank of China, Bank of Communications, HSBC China, CICC Wealth Management.