You want yours Convert credit card statement to CSV? Here you will find the best methods for Visa, Mastercard, American Express and all other credit card providers. Perfect for travel expense reports, accounting and Excel analysis.
💳 Best solution: KontoCSV for credit cards
Automatically convert credit card statements to CSV
- All providers: Visa, Mastercard, Amex, Miles & More
- Foreign sales with exchange rates
- compatible with the German DATEV profile for business cards
- 3 pages free
Credit card statement vs. bank statement: The differences
Credit card statements are significantly different from normal bank statements. These special features must be taken into account when converting CSV:
Credit card statement
- ✓ Monthly collective billing
- ✓ Foreign sales in foreign currency
- ✓ Exchange rates with every transaction
- ✓ Fees: Foreign use, cash withdrawal
- ✓ Rewards/Points: Miles & More, cashback
- ✓ Partial payment possible (revolving credit)
- ✓ Merchant Category Codes (MCC)
- ✓ Insurance benefits included
Bank statement
- ✓ Daily bookings
- ✓ Euros only (for German accounts)
- ✓ No exchange rates
- ✓ Fees: Account management, transfers
- ✓ Interest: Credit or debit interest
- ✓ Immediate debit
- ✓ IBAN/BIC the opposite side
- ✓ Intended use with details
⚠️ Important for credit cards-CSV
Credit card statements often include Foreign currencies and exchange rates, which must be correctly assigned in the CSV. Also Fees (e.g. 1.75% foreign transaction fee) must be shown separately for correct accounting.
💡 KontoCSV automatically detects: original currency, exchange rate, euro amount and all fees
All credit card providers: Visa, Mastercard, Amex & more
Visa credit cards
Classic, Gold, Platinum, Infinite
Major Visa exhibitors in Germany:
- • Sparkasse Visa Card (Classic, Gold)
- • Volksbank Visa Card (Classic, Gold, Platinum)
- • DKB Visa Card (free, worldwide toll-free)
- • Commerzbank Visa (Classic, Gold)
- • Deutsche Bank Visa (Travel, Premium)
- • Santander Visa (1plus card)
- • Barclays Visa (various models)
CSV export at Visa:
Problem: Most Visa exhibitors offer no direct CSV export on. Only PDF bills available.
✓ Solution: Convert PDF with KontoCSV
Special features:
- ✓ Foreign transaction fee: usually 1.75%
- ✓ Cash fee: 2-4% (min. €5.95)
- ✓ Exchange rate: Visa daily rate + markup
- ✓ Billing: usually monthly
Mastercard credit cards
Standard, Gold, Platinum, World Elite
Major Mastercard exhibitors:
- • Sparkasse Mastercard (Base, gold)
- • Volksbank Mastercard (Classic, Gold)
- • ING Visa / Mastercard (free)
- • Postbank Mastercard (Prepaid, Gold)
- • Targo bench Mastercard (Classic, Gold, Premium)
- • N26 Mastercard (You, metal)
- • Revolut Mastercard (Standard, Premium, Metal)
CSV export at Mastercard:
Different: N26 and Revolut offer CSV export in the app. Traditional banks (Sparkasse, Volksbank) only PDF.
✓ KontoCSV: Works with both (PDF + CSV import)
Special features:
- ✓ Foreign transaction fee: 1.5-2%
- ✓ No fee in € countries (often)
- ✓ Exchange rate: Mastercard rate
- ✓ Cashback programs available
American Express (Amex)
Green, Gold, Platinum, Centurion
Amex in Germany:
- • Amex Green Card (entry ticket)
- • Amex Gold Card (most popular card)
- • Amex Platinum Card (Premium)
- • Amex Business Cards (for companies)
- • Payback Amex (with points)
- • Miles & More Amex (see below)
Advantage Amex: Membership Rewards points, extensive insurance, premium service
CSV export at Amex:
Good: Amex offers CSV/Excel export in the online portal under "Sales → Export"
But: Format not compatible with the German DATEV profile, requires post-processing
✓ KontoCSV: Converts Amex-PDF to DATEV-CSV
Special features:
- ✓ None Foreign fees for premium cards
- ✓ Membership Rewards points
- ✓ Detailed merchant information
- ✓ Business cards DATEV-ready
Miles & More credit cards
Classic, Gold, Blue (Lufthansa)
Miles & More variants:
- • Miles & More Classic (DKB/Deutsche Bank)
- • Miles & More Gold (DKB/Deutsche Bank)
- • Miles & More Blue (American Express)
- • Miles & More Gold Amex
Special feature: For every €2 spent = collect 1 mile. Important for travel expense reporting: miles belong to the employee!
CSV export:
DKB/Deutsche Bank: Only PDF available
Amex variant: CSV export possible
✓ KontoCSV: Both formats are supported
For business trips:
- ✓ Document miles in CSV
- ✓ Show travel expenses separately
- ✓ Track insurance benefits
💡 More credit card providers
Direct banks:
- • Comdirect Visa
- • Consorsbank Visa
- • 1822direct Visa
Neobanks:
- • bunq Mastercard
- • Vivid Visa
- • Tomorrow Visa
Special cards:
- • Advanzia Mastercard Gold
- • Hanseatic GenialCard
- • BMW Card
✓ KontoCSV supported all credit card providers – simply upload PDF!
3 Methods: Credit Card Billing in CSV
1. KontoCSV
Automatic PDF to CSV conversion
💰 3 pages free
2. Online banking
CSV export in the banking portal
⚠️ Not DATEV format
3. Manually
Type in Excel
⏰ Hours of work
Important use cases for credit cards-CSV
Travel expense reporting
The most common reason for credit card CSV: Invoice business trips
Typical travel costs:
- ✈️ Airline tickets (often with Miles & More)
- 🏨 Hotel overnight stays
- 🚗 Rental car + tank filling
- 🍽️ business lunch with customers
- 🚕 Taxi/Uber to the meeting
- 📱 Foreign fees for mobile data
- 🎫 Conference tickets
CSV Travel Expense Benefits:
✓ Automatically categorized
Hotels, flights, restaurants by MCC code
✓ Exchange rates documented
Original $ + € amount + rate for tax return
✓ Timestamp correct
Date + location for travel expense form
✓ Excel import
Insert directly into the travel expense tool
💡 Pro tip for frequent travelers:
Load monthly Upload your credit card statement in KontoCSV. Filter by travel expenses (hotel, flight, etc.) in Excel and import them directly into your travel expense tool (e.g. SAP Concur, Travelperk, or Excel template). Saves 2-3 hours per month!
Business cards & DATEV
Business credit cards for accounting and tax advisors
Typical business expenses:
- 💻 Software subscriptions: Adobe, Microsoft 365, Canva
- 🌐 Online services: AWS, Google Ads, LinkedIn Premium
- 📦 Material: Amazon Business, office supplies
- 🚗 Company car: Gas station, car wash
- 📞 Telecommunications: Mobile communications, internet
- 🏢 Co-working: WeWork, Regus
DATEV integration:
✓ SKR03/SKR04 accounts
Automatic assignment to chart of accounts
✓ Show input tax
Calculate 19% VAT from gross amount
✓ Document numbers
Credit card receipt as proof of booking
✓ GoBD-compliant for German workflows where relevant
Retention obligation fulfilled
🔧 Workflow for tax advisors:
- 1. Download credit card statement as PDF
- 2. Convert to DATEV-CSV with KontoCSV
- 3. Import into DATEV Company Online
- 4. Assign accounts (is often detected automatically)
- 5. Store the original PDF in the DMS (GoBD)
⚡ Time saved: 1-2 hours per month vs. manual entry
Private use
Credit card CSV for personal financial planning
Private use cases:
- 📊 Budget planning: Excel evaluation outputs
- 🏠 Household book: Import into apps (MoneyMoney, YNAB)
- 💰 Tax: Prove advertising costs
- 🎁 Sharing of costs: Splitwise, Tricount
- 🌍 Vacation budget: Understand travel costs
- 📈 Financial apps: Portfolio Performance
Excel evaluations:
Category analysis:
How much do I spend on restaurants, shopping, traveling?
Recognize trends:
Monthly comparison: Am I spending more or less?
Optimize cashback:
Which card to use for which category?
Track points:
Miles & More, Payback, Membership Rewards
💡 Financial apps with CSV import:
Step-by-step: Credit card billing in CSV
Download PDF statement
Log in to your online banking and download the credit card statement as PDF.
Where can I find the billing?
- • Visa/Mastercard (bench): Online banking → credit card → sales/billing
- • Amex: amexnetwork.de → Account → Billings → Download PDF
- • N26/Revolut: App → Statements → Select month → PDF
- • Or: Receive billing by email (check inbox)
Upload to KontoCSV
Open kontocsv.de and upload your credit card statement (drag & drop or file selection).
✓ Supported: All providers (Visa, Mastercard, Amex, etc.)
AI analysis & extraction
KontoCSV automatically analyzes your credit card statement with KI-OCR and extracts:
- ✓ Date every transaction
- ✓ Dealer/Merchant (e.g. "Amazon.de", "Lufthansa")
- ✓ amount in euros
- ✓ Original currency for foreign sales (e.g. "$120.00")
- ✓ Exchange rate (e.g. "1 USD = 0.92 EUR")
- ✓ Fees (Foreign transaction fee, cash, etc.)
- ✓ Category (Hotel, Restaurant, Flight - via MCC)
⏱️ Duration: ~30-60 seconds depending on the number of transactions
Download CSV file
Download the finished CSV file. The file is perfectly formatted for:
- ✓ Excel: Double-click opens the file
- ✓ DATEV: Can be imported directly (SKR03/SKR04)
- ✓ Travel expense tools: SAP Concur, Travelperk, etc.
- ✓ Financial apps: YNAB, MoneyMoney, Portfolio Performance
Special challenges with credit cards
Foreign sales & exchange rates
Problem: For payments in foreign currency, both the original amount ($120.00) and the euro amount (€110.40) and exchange rate must be documented.
✓ KontoCSV solution:
KontoCSV creates separate columns:
- • Original currency: USD
- • Original amount: 120.00
- • Exchange rate: 0.92
- • Euro amount: 110.40
- • Fee (1.75%): 1.93
- • Total: 112.33€
→ Perfect for travel expense reporting and taxes!
Allocate fees correctly
Different types of fees:
Foreign transaction fee
1.5-2% on foreign currency sales
Cash fee
2-4%, at least €5.95 at the ATM
Annual fee
Once a year (e.g. €50 for Gold Card)
Interest on installments
With revolving credit (often 15-20% p.a.)
CSV advantage: Fees are shown as separate lines → easy to categorize in accounting (“Bank Fees” account)
Rewards & Points Programs
Problem: Miles & More miles, Amex Membership Rewards, Payback points must be tracked.
💡 CSV Strategy:
- Separate column "Points":
Calculate: Sales / 2 = Miles (at Miles & More)
Excel formula:=B2/2(B2 = amount) - Category filter:
Some categories give bonuses (e.g. 3x points at Lufthansa) - Annual evaluation:
Totaling for status mile calculation (Senator, HON Circle)
Separate personal vs. business
Challenge: Many people use a credit card for both personal and business purposes. These expenses must be separated.
✓ CSV workflow:
- 1. Open CSV in Excel
- 2. New column "Category" add
- 3. Use filters: Search dealer name
- • Business: AWS, Microsoft, LinkedIn, conference hotels
- • Private: supermarket, Netflix, private restaurants
- 4. Save 2 separate files:
- • kreditkarte_geschaeftlich_2025_01.csv → DATEV
- • kreditkarte_privat_2025_01.csv → household book
Partial payment / revolving credit
Problem: If you use partial payment, the full amount will not be debited. This must be reflected correctly in the accounting.
⚠️ Accounting for partial payment:
- • Month 1: Sales €1,000 → “Credit card liability” booking €1,000
- • Payment: Only €200 debit → “Bank” €200 / “Credit Card” €200
- • Remaining debt: €800 remains a liability
- • Interest: Book separately as an expense
💡 Important: CSV should show all transactions, not just the debit!
Frequently asked questions (FAQ)
Can you convert credit card statements to CSV?
Yes, KontoCSV allows you to automatically convert PDF credit card statements to CSV. Works with all providers: Visa, Mastercard, American Express, Miles & More, DKB Visa, Sparkasse, Volksbank, N26, Revolut, etc. The CSV file can be opened in Excel and converted into accounting programs (DATEV, Lexware, sevDesk). First 3 pages free.
How do I export my Visa credit card statement as CSV?
Most Visa cards (Sparkasse, Volksbank, DKB, Deutsche Bank) offer no direct CSV export on. Solution: Download PDF statement in online banking → on kontocsv.de upload → Automatic conversion to CSV in ~30 seconds per page. Works with all Visa issuers. Alternative: Some neobanks (N26) offer CSV export in the app, but not DATEV formatted.
Are foreign sales and exchange rates converted correctly?
Yes, KontoCSV automatically detects foreign sales and extracts both original currency ($120.00) and euro amount (€110.40) with exchange rate (1 USD = 0.92 EUR). Foreign transaction fees (e.g. 1.75%) are also shown separately. Perfect for travel expense reports where you need to document original currency + exchange rate. Also ideal for international business and tax returns.
Can I export American Express statements as CSV?
Yes, American Express offers a CSV/Excel export in the online portal (amexnetwork.de) under “Sales → Export”. But: The Amex-CSV format is not compatible with the German DATEV profile and needs to be post-processed (wrong separator, missing encoding, no chart of accounts assignment). Easier: Convert PDF billing with KontoCSV → immediately DATEV-ready CSV.
How do I import credit card transactions into DATEV?
Step 1: Convert credit card statement to DATEV-CSV with KontoCSV. Step 2: DATEV Company Online → Accounting → Payment transactions → "Import" → Upload CSV → Check column assignment → Assign credit card account (e.g. 1210 "Credit card" for SKR03) → Start import. Important: Credit card billing is a liability, not a bank account! Booking: expense / credit card liability (not directly bank).
How do I use CSV for travel expense reporting?
Workflow: 1) Download credit card statement as CSV (with KontoCSV). 2) Open CSV in Excel. 3) Filter by category (hotels, flights, rental cars via merchant name). 4) Copy business trips only (delete personal expenses). 5) Import into travel expense tool (SAP Concur, Travelperk) or insert Excel template. Advantage: Foreign sales already include exchange rate + original currency → no manual lookup necessary. Saves 2-3 hours per month!
Can I convert multiple credit card PDFs at the same time?
Yes, KontoCSV supports batch processing. Upload multiple credit card statements at the same time (e.g. every 12 months of a year, or different cards). You will either receive a consolidated CSV with all transactions or separate CSV files per card. Practical for annual financial statements or if you use multiple credit cards (e.g. Visa + Amex + Miles & More).
How do I separate personal and business credit card transactions?
Method 1 (recommended): Use separate cards (1x private, 1x business). Method 2: Open CSV in Excel → Add "Category" column → Go through and mark dealer name (Business/Private) → Filter by category → Save 2 separate CSVs. Tip: Business = AWS, LinkedIn, hotels on workdays; Private = supermarket, Netflix, weekend restaurants. Tools: Excel AutoFilter or pivot table for quick categorization.
Are Miles & More miles displayed in the CSV?
Miles are often not explicitly shown on credit card statements (only on a separate Miles & More account statement). Solution: Add and calculate your own “Miles” column in Excel. Formula: =ROUND(B2/2,0) (B2 = amount in €). For Miles & More credit cards: 1 mile per €2 spent (standard), 1 mile per €1 for Lufthansa/partners. Important: Miles belong to the cardholder, even with a company credit card!
Which credit card providers are supported?
KontoCSV supported all credit card providers: Visa (Sparkasse, Volksbank, DKB, Deutsche Bank, ING, etc.), Mastercard (Sparkasse, Volksbank, N26, Revolut, Postbank, etc.), American Express (Green, Gold, Platinum, Business), Miles & More (DKB, Deutsche Bank, Amex), Diners Club, and all neobanks (N26, Revolut, bunq, Vivid, Tomorrow). International cards (US Amex, UK Barclaycard, etc.) also work. Simply upload PDF!