Santander Bank, N.A. personal and business accounts in the US
Convert a Santander Bank (US) statement to Excel, CSV or QuickBooks
Santander Bank, N.A. shows 25 months of statements in online banking. Convert the PDFs to get any period into Excel, CSV, QuickBooks or Quicken, read in Santander’s posting order and checked against its balances.
- For Santander Bank, N.A., not Santander UK
- Posting order kept, checks out of sequence and all
- Any period from 25 months online or 7 years of copies
- Excel, CSV, QBO and QFX output
25 months
of statements online
Statements & Documents
7 years
of statement copies kept
Ordered by Statement Copy Request, for a fee
PDF · Text
Santander’s statement view options
5 groups
in Santander’s daily posting order
Deposits first, fees last
The short answer
Can you download a Santander Bank statement in Excel?
Not directly as a statement. Santander Bank, N.A. offers statements as PDF (or a text view) in online banking, and its business online banking downloads transaction history into Quicken or QuickBooks. Santander’s current help pages do not list a personal Excel or CSV download, so check Account Details in online banking for what your account offers. To get a statement into Excel, save the PDF and convert it: you get an .xlsx or CSV that matches the statement period exactly.
This page is about Santander Bank, N.A., the US bank with branches across the Northeast and in Miami, a subsidiary of Banco Santander, S.A. If your statement comes from Santander UK (with a sort code), the menus, fees and layout described here do not apply.
Santander shows 25 months of statements under Statements, then Statements & Documents. It keeps statement copies for seven rolling calendar years, and older ones can be ordered with a Statement Copy Request for a fee.
Same-day rows are in posting order, so check numbers run out of sequence
Sample statement
What a Santander statement looks like
Hover or tap a number to see what each part means for a conversion.
Santander
Simply Right Checking · ending 5208
Statement Period 09/04/2026 – 10/03/2026
JANE DOE · Page 1 of 3
Balance summary
- Beginning Balance
- $1,284.10
- Deposits and credits
- +$3,840.00
- Withdrawals and debits
- −$1,595.59
- Ending Balance
- $3,528.51
Activity on 09/11 (one business day, in posting order)
| Date | Transaction | Activity | Balance |
|---|---|---|---|
| 09/04 | Beginning Balance | 1,284.10 | |
| 09/11 | Direct Deposit ACME HEALTH PAYROLL | 1,920.00 | 3,204.10 |
| 09/11 | Debit Card Purchase STOP & SHOP 0412 PROVIDENCE RI | -64.37 | 3,139.73 |
| 09/11 | Check #312 | -45.00 | 3,094.73 |
| 09/11 | ACH EVERSOURCE ENERGY BILL PAY | -98.40 | 2,996.33 |
| 09/11 | Check #311 | -1,150.00 | 1,846.33 |
Activity, 09/18 to 10/01
| Date | Transaction | Activity | Balance |
|---|---|---|---|
| 09/18 | Online Transfer to Savings ending 6620 | -200.00 | 1,646.33 |
| 09/25 | Direct Deposit ACME HEALTH PAYROLL | 1,920.00 | 3,566.33 |
| 10/01 | Debit Card Purchase CVS/PHARMACY #2291 CRANSTON RI | -37.82 | 3,528.51 |
Ending Balance$3,528.51
Native export
What Santander lets you export
Each route has a job. Converting the statement covers every period Santander has a statement for.
Download History (business) and online banking downloads
Depth not published
Business Online Banking downloads transaction history from the Accounts tab into Quicken or QuickBooks. For personal accounts, check Account Details for the options your account shows.
Where it stops: Santander does not publish the personal formats or how far back a download reaches, and the dates you pick will not match a statement period.
Statements & Documents
25 months online, 7 years as copies
Each statement as a PDF or text view, with the Statement Period, balances and every posted item. Older statements come as paid copies.
Where it stops: Not a spreadsheet. Getting the rows into Excel or QuickBooks means converting it.
Converting the statement with VouchRow
Any statement you have
The PDF becomes rows in the format your software takes, kept in Santander’s posting order and checked against the balances.
Where it stops: Needs the statement PDF or copy. A period you never saved has to be ordered from Santander first.
How far back
How far back each Santander option reaches
Santander publishes how long statements stay online and how long copies are kept, but not how far back its transaction download goes.
Transaction download
Not published
Business Download History exports to Quicken or QuickBooks; Santander does not state the earliest date. Check online banking.
Statements online (PDF)
25 months
Under Statements & Documents in online banking.
Statement copies on request
7 years
Seven rolling calendar years, through Statement Copy Request, by phone or at a branch, for a fee.
A dashed bar means the bank does not publish a figure; check your own online banking.
Step by step
How to convert a Santander Bank statement
- 1Save the statements from Santander online bankingLog in and open Statements & Documents from the navigation menu. Find the statement, choose Download under Action (or View in PDF/Text Format), and select Go. Save each period you need as a PDF.
- 2Order anything older than 25 monthsUnder Accounts, then Account Services, choose Statement Copy Request and agree to the statement copy fee, or call 877-768-2265. Santander keeps copies for seven rolling calendar years.
- 3Upload and convertSign in to VouchRow and add the PDFs. Digital statements convert in batches. A scanned paper statement or mailed copy is read with OCR, one at a time. A password-protected PDF is unlocked in your browser; the password is never sent.
- 4Check each period against its balancesThe rows must run from the beginning balance to the ending balance, in Santander’s posting order. If not, VouchRow shows the dollar difference, and clicking any row shows its line on the PDF.
- 5ExportExcel or CSV to review, QBO for QuickBooks, QFX or QIF for Quicken, or the Xero CSV preset.
Formats
Where is your Santander data going?
Pick the destination. The advice changes with it.
Santander Bank statement to Excel
An .xlsx with one row per deposit, purchase, check and fee: date, description, check number where there is one, a signed amount and the balance after it, in Santander’s posting order. Deposits are positive and debits negative, so the amount column sums to the change between beginning and ending balance.
If you sort the sheet, sort by date only. Within a day, Santander’s order is what makes the balance column line up.
PDF to ExcelSantander Bank statement to CSV
CSV suits an importer, a budgeting tool or a lender’s system. A converted CSV follows the Statement Period exactly, which matters because Santander’s periods do not always follow calendar months.
Choose the date format before exporting: MM/DD/YYYY for US software. If a tool expects UK dates, it is set up for Santander UK, not this bank.
PDF to CSVSantander Bank statement to QuickBooks
Export QBO and upload it to the bank account in QuickBooks Online (bank transactions, upload from file) or open it as a Web Connect file in Desktop. It fills in the months Santander’s Download History does not reach.
Each row carries a transaction ID, so two genuine same-day items with the same amount stay as two rows, and a month imported twice is recognised rather than doubled.
PDF to QBOSantander Bank statement to Quicken
QFX is Quicken’s Web Connect format. Import it into the existing Santander account so older periods join the account rather than creating a new one.
QIF also works but has no transaction IDs, so a period imported twice will duplicate. Prefer QFX when the account already holds downloaded history.
PDF to QFXSantander Bank statement to Xero
Use the Xero CSV preset: one signed amount column and the date format Xero expects. Import it into the matching bank account in Xero, then reconcile as usual.
For analyzed business accounts, the Account Analysis Fee arrives as one line, ready to code to bank charges.
Statements into XeroStatement layout
How a Santander statement is laid out
The facts to check against the statement in front of you. Accounts covered: Simply Right, Santander Select and Santander Essential Checking, Santander savings and money market accounts, Santander business checking, including analyzed accounts, US accounts only: not Santander UK or other Santander banks.
| Statement period | Printed in the upper right of page one; Santander says it may not always be a calendar month |
|---|---|
| Same-day order | Deposits first, then card and ATM items by time, then checks, ACH and bill payments from lowest to highest amount, fees last |
| Check numbers | Checks post by amount, not number, so a higher-numbered check can appear before a lower one on the same day |
| Download formats | Business Online Banking: Quicken or QuickBooks from Download History. Personal formats are not listed on Santander’s current help pages |
| Business fees | An Account Analysis Fee on analyzed business checking, explained on a separate Account Analysis statement |
Why it works
Built around how Santander posts and prints
Posting order kept
Rows stay in the order Santander posted them, deposits first and checks by amount, so the balance after each row still matches.
Checks by number, not position
Check numbers are kept as their own field, so a check that posted out of sequence can still be matched to its bill.
Periods that are not months
Santander’s statement period may not follow the calendar month. Each converted file follows the period printed on page one.
Balance-checked
The month is proved from the beginning balance to the ending balance, and any gap is shown in dollars at the row where it opens.
Mailed copies too
Statement copies ordered from Santander, or old paper statements, are read with OCR one at a time, the same way.
Every row traced to its line
Click a row and the PDF opens at the line it came from, which is what a reviewer needs when a statement is the evidence.
Checked before export
A misread digit is caught on its own row
Every conversion is tested against the statement: the running balance on every row, page subtotals, opening plus movement against closing, the printed credit and debit totals, and the transaction count. When a number does not add up, VouchRow names the row and highlights the line it came from on the PDF.
Arithmetic only: it verifies amounts, balances and totals, not descriptions or dates, and two errors that cancel out would pass. The source-line link covers the rest.
How the checks workRunning balance check
- POS AMAZON MKTPLACE−86.4316,604.12
- CHECK #1042−1,250.0015,354.12
- ZELLE FROM J MORALES+640.0015,994.12
Every row agrees with the balance printed beside it.
US or UK
Santander Bank, N.A. is not Santander UK
Many “Santander bank statement” searches are British. Santander UK is a separate bank with its own app, its own statement design and its own download options. Santander Bank, N.A. is the US bank, a wholly owned subsidiary of Banco Santander, S.A., with branches across the Northeast and in Miami, Florida. Its US app is listed as Santander Bank US.
A quick test: a US Santander statement shows amounts in dollars and a US routing number; a UK one shows a sort code and amounts in pounds. If your statement is a UK one, the converter still reads it, but the menus and fees on this page are the US bank’s.
Layout
What a Santander Bank statement looks like
Santander’s deposit agreement defines the Statement Period as the period the statement covers, printed in the upper right-hand corner of the first page, and notes it may not always be a calendar month. Each converted file follows that period, and where a row shows only the month and day, the year is taken from it.
Santander does not publish an annotated sample statement. Its Personal Deposit Account Agreement does show how a day’s activity “will be posted on your Account and show on your statement”: a beginning balance, then each transaction with its amount and the balance after it, in posting order. The sample on this page follows that illustration; the exact headings on your statement may differ.
Checks are kept as images too: Santander’s agreement says copies of the front and back of each paid check are kept for seven years, so a converted row with its check number can be matched to the image if a reviewer asks.
Posting order
Why Santander rows are not in time order
After each business day, Santander posts in five groups: all deposits from highest to lowest; ATM cash withdrawals, one-time debit card purchases, teller debits and account transfers by date and time; wires, automatic Santander loan and credit card payments and recurring debit card purchases from lowest to highest; checks, ACH payments and online bill payments from lowest to highest; and monthly and other fees last, also lowest to highest.
That is why a busy day can show a deposit at the top, a coffee purchase from the afternoon above a rent check written days earlier, and checks out of numeric order. The converted file keeps that order so the balance after each row matches the statement, and keeps the check number in its own field for matching.
Business
Santander business statements, QuickBooks and Quicken
Business customers retrieve statements through Business Online Banking or the Business Banking App. For downloads, Santander says to choose Download History from the Accounts tab, pick the account, and select the Quicken or QuickBooks icon.
Analyzed business checking shows an Account Analysis Fee on the checking statement: a summary charge for most of the month’s transaction activity and cash management services, explained on a separate Account Analysis statement. That fee is one row in the converted file; the analysis statement is a breakdown, not more transactions, and should not be converted into the same account.
For periods the download does not reach, convert the statements to QBO for QuickBooks or QFX for Quicken and import them into the same account. Each converted row carries a transaction ID, so overlaps with downloaded months are recognised rather than doubled.
Troubleshooting
Common Santander conversion problems
Most Santander problems come from the posting order and from the UK confusion.
- The running balance breaks after sorting: rows were re-sorted by time or check number. Keep Santander’s posting order within each day.
- Two same-day items merged on import: an importer de-duplicated on date and amount. QBO and QFX files with transaction IDs avoid this.
- Day and month swapped after import: the importer is set for day-first (UK style) dates. Choose MM/DD/YYYY at export for US software.
- Fee rows from the Account Analysis statement: the analysis statement was converted into the checking account. Only the Account Analysis Fee belongs there.
- Only two years online: Santander shows 25 months. Older statements are ordered as copies, for a fee, up to seven years back.
- Paper statement charges: Santander charges $3 per paper statement on most checking accounts ($2 on Essential Checking). Going paperless also puts each statement online as a PDF.
Side by side
Santander’s own options vs converting the statement
| Santander downloads and statements | Converting the PDF statement | |
|---|---|---|
| How far back | 25 months of statements online; download depth not published | Any statement you saved or ordered, up to 7 years of copies |
| Formats | Statements as PDF or text; business Download History to Quicken or QuickBooks | Excel, CSV, QBO, QFX, OFX, QIF, IIF, Tally XML |
| Matches the statement period | A download only if you pick the exact dates | Always: one statement, one period |
| Checked against the statement | No | Against the beginning and ending balance and each row’s balance |
| Older periods | Statement Copy Request, for a fee | Convert the copies once you have them |
| Proof for a reviewer | A list of rows | Every row linked to its line on the PDF |
Before you import
After converting a Santander statement, check these
- The period balancesBeginning balance plus deposits minus debits and fees equals the ending balance. If not, the difference is shown.
- Posting order keptWithin each day, deposits come first and checks and ACH run from lowest to highest amount, as printed.
- Check numbers presentEvery check row carries its number, even where checks posted out of numeric order.
- Right year on every rowFor a period that crosses into January, the year follows the Statement Period, not the export date.
- No analysis statement rowsOnly the Account Analysis Fee is in the checking account; the analysis breakdown is not.
- US dates, US bankDates exported as MM/DD/YYYY for US software, and the file set up for Santander Bank, N.A., not Santander UK.
Downloaded activity and statements are not the same thing
Excel for Santander
Who uses it
Who converts Santander Bank statements
Mortgage and rental applications
Two or three months of Santander checking in Excel, every row traceable for an underwriter or landlord.
Small business bookkeeping
Business statements converted to QBO for the months Download History no longer covers, with the Account Analysis Fee as one coded row.
Tax preparers in the Northeast
A client’s year of Santander statements turned into one sortable ledger in a single batch.
Divorce, estates and audits
Statement copies ordered from Santander’s seven-year archive, converted and checked so each figure can be shown on the page.
FAQ
Santander statements: questions
How do I download Santander Bank statements in Excel?
Santander provides statements as PDF (or a text view), not as Excel. Save the PDF from Statements & Documents and convert it here to Excel or CSV. Each period is checked against its beginning and ending balance.
Can I get a bank statement online from Santander?
Yes. Log in to online banking and open Statements & Documents from the navigation menu. Santander shows up to 25 months of statements, which you can view, save or print.
How do I request a bank statement from Santander?
For a statement older than 25 months, choose Accounts, then Account Services, then Statement Copy Request, and agree to the statement copy fee. You can also call 877-768-2265 or visit a branch. Santander keeps copies for seven rolling calendar years.
Can I get a Santander bank statement on the app?
Santander’s app (Santander Bank US) gives access to your accounts, but Santander’s statement instructions describe online banking. If you cannot find statements in the app, use Statements & Documents in online banking in a browser.
Can I download Santander transactions as CSV?
Business Online Banking downloads history into Quicken or QuickBooks. Santander’s current help pages do not list a personal CSV option, so check Account Details in online banking. For any statement period, converting the PDF gives you a CSV with the same columns every month.
Is this for Santander UK statements?
No. This page covers Santander Bank, N.A., the US bank. Santander UK is a different bank with its own statements and menus. A UK statement PDF can still be converted, but the menus and fees here will not match.
What does a Santander Bank statement look like?
The Statement Period is printed in the upper right of page one, and may not be a calendar month. Activity is listed with the balance after each item, in Santander’s posting order: deposits first, then card and ATM items, then checks and ACH from lowest to highest, then fees.
Why are my Santander checks out of order?
Santander posts checks, ACH and bill payments from lowest to highest amount, not by check number. Its own example posts check #240 before #239. Converted files keep that order so the balances still match.
Does Santander charge for paper statements?
Yes, on most checking accounts: $3 per statement, $2 on Santander Essential Checking, and no fee on Santander Select Checking or savings. It is waived if an owner is 65 or older.
Keep going
Related guides and converters
Formats for Santander statements
Other Northeast bank pages
Other banks
Sources
The facts about Santander Bank (US) on this page come from these pages, checked in October 2026. Banks change their online banking; if something here no longer matches, the bank’s own help page wins. Tell us and we will update it.
- Santander: View My Statements, 25 months under Statements & Documents (santanderbank.com)
- Santander: account basics, Statement Copy Request and 7-year retention (santanderbank.com)
- Santander: online bank statements and paperless (santanderbank.com)
- Santander: Personal Deposit Account Agreement, Statement Period and posting order (santanderbank.com)
- Santander: Personal Deposit Account Fee Schedule, paper statement fee (santanderbank.com)
- Santander: small business digital banking FAQ, Download History (santanderbank.com)
- Santander: small business checking FAQ, Account Analysis Fee (santanderbank.com)
- Santander: about Santander US, branches across the Northeast and in Miami (santanderbank.com)
Convert your Santander Bank statements
Upload the PDFs, keep Santander’s posting order, check every period against its balances, and export Excel, CSV, QBO or QFX.