Convert Saudi National Bank Statements to CSV

To convert a Saudi National Bank (SNB) statement to CSV, upload your original or scanned PDF statement to BankStmtConverter. The extraction engine reads the multi-column layout, extracts the transaction date, value date, transaction description, debit, credit, and running balance in Saudi Riyal (SAR), and outputs a structured CSV file ready for accounting import.

How to convert a Saudi National Bank statement to CSV

1. Download your electronic statement PDF from your Saudi National Bank online banking portal or scan your physical branch statement.
2. Upload the PDF file to the converter tool.
3. The parser processes tabular data, detects SAR currency columns, and extracts each transaction row while checking running balance math.
4. Download the standardized CSV file to import directly into your general ledger, ERP system, or custom spreadsheet workflow.

Data extracted from Saudi National Bank PDF statements

Saudi National Bank statements contain specific transaction identifiers, reference numbers, and bilingual text fields. The extraction engine isolates and maps these items into individual CSV columns:

• Transaction Date: The calendar date on which the transaction occurred, output in standardized DD/MM/YYYY or YYYY-MM-DD format.
• Value Date: The effective settlement date used by SNB for interest calculations and book balances.
• Description / Narration: Full transaction text, including transfer remarks, point-of-sale (POS) terminal locations, mada transaction IDs, SADAD bill reference numbers, and SARIE interbank transfer details.
• Debit (Outflow): Withdrawals, supplier payments, POS purchases, and bank service charges parsed as positive numeric values.
• Credit (Inflow): Customer deposits, payroll credits, and incoming SARIE transfers parsed as positive numeric values.
• Balance: The running balance in SAR after each transaction, used to verify the mathematical accuracy of every row.

Working with SNB CSV files in accounting and ERP systems

CSV is the most flexible format for business accounting across the Middle East. Whether you manage accounts in Zoho Books, Odoo, QuickBooks Online, Xero, or Microsoft Dynamics, importing a clean CSV removes manual data entry while preserving transaction-level detail.

UTF-8 character encoding for Arabic descriptions

Saudi National Bank statements frequently include Arabic merchant descriptions, beneficiary names, and government payment labels (such as ZATCA tax payments or GOSI contributions). The generated CSV file is encoded in UTF-8 with standard byte-order marking. This prevents Arabic text from rendering as garbled symbols or broken characters when opened in Microsoft Excel or imported into regional ERP platforms.

Column mapping configurations

Different accounting platforms require specific column arrangements. When importing your SNB CSV, you can configure your upload profile to match your software requirements:

• Split Debit/Credit Columns: Standard for enterprise ERP systems (such as SAP, Oracle NetSuite, and Odoo) that maintain separate columns for debits and credits.
• Single Signed Amount Column: Standard for modern cloud accounting tools like Xero and QuickBooks, where debits are represented as negative numbers (e.g., -450.00) and credits as positive numbers (e.g., 12500.00).

If you prefer a pre-calculated spreadsheet with built-in formulas, you can also convert to an SNB Excel spreadsheet instead of raw CSV.

Handling scanned and image-based SNB statements

Older business accounts, archived records, and physical statements printed at SNB branches often exist only on paper or as scanned image PDFs. Standard copy-and-paste methods fail on these files because the text layer is non-existent or misaligned.

BankStmtConverter uses optical character recognition (OCR) tuned for financial typography. The OCR engine reads faded characters, recognizes decimal separators, and preserves table structures across multi-page document scans. To prevent transcription errors, the converter validates every page mathematically: the opening balance plus total credits minus total debits must equal the closing balance. If a row fails to balance, the parser flags the discrepancy before file generation.

Comparison: Conversion methods for SNB statements

Worked example: SNB statement extraction to CSV

Below is a sample set of business transactions extracted from a Saudi National Bank commercial account statement and structured into standard CSV format.

In raw CSV format, this data outputs with standard comma delimiters:

Date,Value Date,Description,Debit,Credit,Balance
02/05/2024,02/05/2024,SADAD - ZATCA VAT Payment 1002938481,14350.00,,185650.00
05/05/2024,05/05/2024,SARIE Inward Transfer - Al Rajhi Bank Ref 8839201,,45000.00,230650.00
08/05/2024,08/05/2024,mada POS Purchase - Jarir Bookstore Riyadh,1240.00,,229410.00
12/05/2024,12/05/2024,Monthly Commercial Account Maintenance Fee,57.50,,229352.50

Data security and confidentiality

Financial statements contain sensitive corporate and personal information. BankStmtConverter processes all files over 256-bit SSL encrypted connections. Uploaded PDF files and generated CSVs are automatically deleted from servers immediately after processing. Your financial data is never stored permanently, sold to third parties, or used to train public machine learning models.

Explore support for additional financial institutions on our Saudi Arabia banking page or review our full list of supported banks.