Debit and credit columns on bank statements explained
Many statements show money out in a Debit column and money in in a Credit column. Spreadsheets and accounting imports usually work better with one signed Amount column.
From two columns to one
Use =Credit-Debit for each row, treating empty cells as zero. Money in becomes positive and money out becomes negative.
| Date | Description | Debit | Credit | Amount |
|---|---|---|---|---|
| 06/10/2026 | Office rent | 800.00 | -800.00 | |
| 07/10/2026 | Client payment | 1500.00 | 1500.00 |
Watch for these mistakes
Some banks print debits as positive numbers with a minus sign elsewhere, or use brackets for negatives. Check a few rows against the PDF after converting. Also confirm the decimal separator: 1.500,00 in many European statements means one thousand five hundred.
StatementNest reads signed Amount columns and Debit/Credit columns on supported text PDFs, and keeps the source page for every row so you can check it.