Bank statement, document Bank statement, how to obtain, electronic bank statement

Users are often faced with the need to download/unload bank statements and make statements in the 1C 8.3 merchandise accounting program. With the help of this article you will learn how to work with the Bank statements item in 1C.

First, let's consider creating a payment order. This can be done in two ways - by generating a new payment order or based on an invoice, a goods receipt document and

A window with a journal with payments will open, in which you can perform the following actions:

filter documents;
set up selection;
set a list for a specific organization, counterparty, date or bank account.

How to get a bank statement?

There are several ways to obtain a bank statement. Can:

Go to the bank branch with your passport and card (agreement, passbook, etc.);
Receive a mini-statement via SMS;
Print it out at an ATM (usually shows the last 7–10 transactions);
Issue a statement online, through the Internet banking system;
Order regular receipt of an electronic statement or a statement sent by mail.

In order to obtain more detailed information about completed transactions - names of purchases, accrued commissions, addresses where payments were made - an extended bank statement is drawn up.

Certificates for individuals

An extract from the current account for an organization is an important financial document that is necessary for the accounting department of an enterprise. But what is an extract for individuals? Do they need it?

Individuals can interact with a banking organization in various ways. Have a credit or debit card, deposit or loan, pay a mortgage, car loan. Bank statements for individuals are primarily of an informational nature about cash flows.

The client can independently control the receipt and debiting of money, check information about commissions and interest under the agreement. In addition, such a paper document has legal force. The certificate will confirm the presence of overdue debt, fulfillment of obligations under the contract and is suitable for submission to the court or other banking organizations.

For loans

The loan statement displays the amount of money credited and debited. The “Receipts” column contains the amounts contributed by the client. The “Write-off” section contains data on how funds are distributed across the account.

Information is provided on how much was written off from the principal debt and how much was used to pay off interest for the actual use of loan funds. Dates of actual receipt of money and debit, as well as the amount of funds currently in the account.

Just like for legal entities, there is no single standard, but sample certificates have general principles and are created on a special bank form. An example would be the following bank account statement:

Name of the bank: JSC JSCB RosEvroBank BIC 044525836 General license for banking operations No. 3137 dated 08/26/2015 CURRENT ACCOUNT STATEMENT from July 1, 2017 to August 18, 2017 Client: Ivanov Ivan Ivanovich Account number: 40805910706000004461 Formation date: 08/18/2017 Date of last operation: 08/17/2017
date		Contents of operation		Admission		Write-off		Account balance		Sum
										Remaining principal amount
1	2		3		4		5		6
17.08.2017	Transferring funds		16 450				60,26		134 005,26
17.08.2017	Repayment of principal				14 699,52		60,26		134 005,26
17.08.2017	Interest repayment for the current month				2 754,47		60,26		134 005,26
12.07.2017	Transferring funds		16 450				52,25		148 704,78
12.07.2017	Repayment of principal				12 596,40		52,25		148 704,78
12.07.2017	Transferring funds				2 983,59		52,25		148 704,78
Principal amount as of 08/18/2017: 134,005.26

If, during the course of the contract, an overdue debt was incurred and fines or penalties were accrued, then this information will also be displayed in the personal account statement. The client can independently calculate, based on this certificate, the total amount spent on paying fines and interest.

For credit cards

At the end of each billing period, credit card holders receive invoice statements that indicate the amount of transactions for the past month, information about crediting money, the total amount of debt and the obligatory payment.

Standard account information contains minimal information. Banks can notify customers via SMS, sending a letter by mail or email. A more detailed bank document on the current account is generated upon direct request from the client.

For deposits

The bank account statement for the deposit includes information about the current amount, as well as accrued interest. This is relevant for deposits with monthly interest capitalization, since the client can independently monitor the profit that his deposit brings.

It will also be possible to track the movement of funds in a bank statement if the terms of the deposit provide for partial withdrawal of money or transfer of interest to a debit card.

Bank statement for the organization's account

Information about transactions made on the account is reflected in the statement. In other words, a bank statement on an organization’s account allows the company’s accountant to know the actual information about the status of the current account and see all movements on it. An employee of the enterprise files a bank statement with the primary documents (payment order) according to which the funds were flowing through the account.

The statement reflects the movement of the enterprise’s own finances (income, expenses).

The document is issued to an official employee of the enterprise by the bank's service staff, sent by mail or electronically daily, unless other terms have been previously agreed upon by the parties.

Features of document formation

Statements in most cases are issued the next day after the movement of money through the organization’s bank account. The important features of document formation are two columns in which debit and credit are reflected. The first reflects funds debited from the account, the second - credits made to the account.

The company's account with a credit institution is a settlement account, in other words, the bank stores money belonging to the client on it. When considered a debtor, the financial institution displays the account balance as accounts payable. Due to the fact that the company's account for the bank is passive, the balance of funds is displayed in the loan statement. Financial assets written off from the organization’s account reduce the debt of the credit institution, so the debt to the client becomes less. For an organization, it's exactly the opposite.

Uploading the software to the client bank

After creating a payment order, the user can generate a file and send it to the bank. The step-by-step instructions will look like this:

you need to open the “Payment orders” journal and set “Send to bank”;

then indicate the unloading date using the “Select period” button;
after which the “Update documents for export” button is pressed;
Next, click on the “Select” button in the “Upload file to bank” field. A window will open in which the file name will be generated in text format;
at the next stage you need to click on “Upload”.

At the stage of uploading a file, the program checks it for viruses.

Then the user needs to click on “Check”.

If the test results are positive, a notification will appear indicating that the uploaded file is identical to the program data. Then you can click on “Close”.

A table with unloading data will be generated using the “Unloading Report” hyperlink.

A file in txt text format can be opened using Notepad.

The prepared file can be uploaded to the client bank. To do this, in the import section you need to specify a file with payments. Automatic loading into the system will occur after clicking the “Import” button.

Checking your bank statement

Processing of financial documents and checking of bank statements occurs on the day they are received by the company's accountant.

The job responsibilities of the accounting department of a company or enterprise include:

check and attach all supporting documents for the statement of crediting and debiting funds;
check all entries in the extract with the primary documents. If inconsistencies and discrepancies are detected in the documents, the accountant is obliged to urgently contact an employee of the banking institution;
The accountant enters account codes in the right margin of the statement. They are placed opposite the corresponding amounts;

The actions of an accountant help to monitor the enterprise’s funds, generate information for inspection bodies, and bring documents into a finished form before their final archiving.

Algorithm for creating a payment order

In the document, you must fill in the main fields, starting with “Document Type”. The structure and fields for filling out analytics will change depending on the selected parameters. Next, you need to post and close the document using the “Post and Close” button.

To generate transactions, you will need to create a “Write-off from account” document. This can be done manually or based on a payment order.

Doubts about electronic statements

Accountants working at enterprises that have implemented an electronic document management system (Accounting 1C, Client-Bank) have doubts about electronic statements, how they should be stored correctly and whether they should be printed.

There are no regulations that directly permit or prohibit the storage of electronic statements in PDF format, so the situation becomes somewhat more complicated. In this case, the rule of Article 9 of Federal Law No. 129 applies, according to which the enterprise is obliged, at the request of the inspection authorities or another authorized person, to produce at its own expense and submit primary documents in electronic form.

Many banks, after switching to an online service system, refuse to issue the required statements, asking clients to print and certify documents themselves as needed.

Bank statement: sample

If an enterprise independently maintains more modern financial accounting, then it would be wise to install an electronic bank for its convenience. The accountant will be able to personally monitor all movements of funds in the accounts of the reporting enterprise, and he will be able to easily print out a bank statement himself at any time without interrupting his work.

To fill out such a form manually, a standard bank statement is suitable: the sample can be downloaded on the Internet, opened in Excel and the necessary edits can be made there. The main thing is that the document contains the necessary information.

What information is included in the statement?

Bank account statements may differ slightly in appearance because they are printed on different technologies. It is more important to find out what information is indicated in the statement.

“Posting date” – the date of the transaction on the client’s account;
“Recipient’s account” – recipient’s current account number;
“VO” – type of financial transaction;
“Nom. doc. Bank” – incoming document number;
“Nom. doc. Client” – payment document No.;
“BIC bank corr” – BIC of the recipient’s bank;
"Corr. Account” – a corresponding bank account;
“Payer’s account” – payer’s account number;
“Debit” (client arrival);
“Credit” (customer expense).

Types of statements depending on the time period

By date there may be statements:

Quarterly - for a period of 3 months. Used for accounting purposes, to confirm a debit or credit to an individual’s account.
Annual - during the calendar or working period indicated in the documents.
One-day - documents printed for a specific date.
Arbitrary - certificates with an interval specified by the account owner. May include several days, weeks, months or even years.

How does an accountant check and process statements?

Only an officially authorized employee of the enterprise can obtain a bank statement. The list of such persons is compiled by the head of the organization and the chief accountant. Usually the accounting staff deals with financial documents.

How does an accountant check and process statements? The employee receives bank account statements, checks related documents, comparing amounts and dates. If there is a discrepancy in information, the employee must immediately contact the bank. Some accountants, for their own convenience, when checking statements, mark corresponding accounts in the fields of the document, which will be useful for making entries. On the same day, it is necessary to enter verified statements into the company’s cash flow system. By applying the double entry rule, the accountant posts each transaction in such a simple way.

Comments: 17

Your comment (question) If you have questions about this article, you can tell us. Our team consists of only experienced experts and specialists with specialized education. We will try to help you in this topic:

Author of the article: Klavdiya Treskova

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya

Natalch
11/30/2021 at 12:59 I pay for housing and communal services from Sberbank online, in checks issued by the terminal, over time all payment data disappears (as if faded). In court, I need to prove payment by me, what to demand from Sberbank
Reply ↓ Anna Popovich
30.11.2021 at 21:17
Dear Natalya, these are the disadvantages of thermal printing. The history of transactions on cards and accounts is stored by the bank for the entire period while you are served by this credit institution. You can independently use the “Advanced Search” function and view the list of transactions, filtering them by various parameters for absolutely any period of time. And at the same time request a similar operation from the bank.
Reply ↓

Vladimir
08/24/2021 at 17:59

How to get a statement for a Sberbank deposit that is not connected to Sberbank Online, without having a Personal Account, without a mobile application, and living abroad? Thank you. Vladimir.

Reply ↓

Anna Popovich

Dear Vladimir, you can receive a statement in the Sberbank Online application, in your Sberbank Online personal account or in a Sberbank office.

Reply ↓

Julia
08/12/2021 at 01:08

Hello. Here’s a question: I opened a current account as an individual entrepreneur in 1717 in a branch that closed (or moved). I recently closed my account (because I closed my individual entrepreneur), but the tax office issued a debt, I need an extract. Which branch can I get the statement from? Only for legal entities or can I go to the nearest Sberbank office? Thank you

Reply ↓

Anna Popovich

Dear Yulia, not every city has a separate office for legal entities. If you have such a branch open, then it is better to go there. Firstly, you will save time in queues, and secondly, there are specialists who understand all the intricacies of working with business.

Reply ↓

Hope
03/04/2021 at 02:03

I regularly transferred money to one person in 2021, 2021. Now in court I need to prove that these transfers took place. Can I take an extract from the savings bank for proof?

Reply ↓

Hope

I regularly transferred money to a person in 2021, 2021. Now in court I need to prove that the transfers took place. Can I ask for an extract from the savings bank for proof?

Reply ↓
Anna Popovich
03/04/2021 at 02:57

Dear Nadezhda, we recommend that you clarify this issue with a bank specialist at number 900, since the method of transfer matters, as well as the procedure for the bank to provide such information.

Reply ↓

Alexander
02.02.2021 at 20:00

Good afternoon How to get an extended statement by account number for 2013-2014?

Reply ↓

Anna Popovich

Dear Alexander, contact your nearest bank branch for a statement.

Reply ↓
Natalya
03.30.2021 at 14:44

Hello! The bank says that the data is stored for only 5 years. And it is not possible to make an extract.

We need evidence for the court that there were payments. But they don’t give me an extract.

Reply ↓
Anna Popovich
03/31/2021 at 15:43

Dear Natalya, such documents are indeed stored for five years. You can confirm payments with receipts, electronic payment checks and similar documents.

Reply ↓

Natalia
08.10.2020 at 16:21

Good afternoon How to obtain an extract from a personal account for an open deposit in Sberbank for 2012-2014?

Reply ↓

Anna Popovich

Dear Natalya, please clarify, do you need a personal account statement for a nominal account or a deposit statement?

Reply ↓

Andrey
08/24/2020 at 10:43

Hello. Is it possible to get an extract from a closed Sberbank deposit “Save” (number lost)?

Reply ↓

Anna Popovich

Dear Andrey, an extract for a closed deposit is issued free of charge at the branch where the deposit was opened, upon presentation of a passport.

Reply ↓

Why is a bank statement issued for individuals?

A bank statement is sometimes necessary for individuals. Why is a bank statement issued for individuals and when is it necessary?

When closing a loan agreement, such a document confirms that the borrower has fulfilled his obligations to the bank.
The extract will be useful when considering a credit case in court regarding overdue debt. The document reflects all withheld penalties, fines and payments. If you bring the loan agreement and extract to Rospotrebnadzor, you can receive a recommended letter, which the court sometimes takes into account and this will help write off fines and penalties.
An account statement is required when obtaining a visa; it confirms the person’s solvency.

An account statement helps you monitor your debit card finances.

Certificate for an employed citizen

A person who has an official job has a slightly greater chance of hearing “approved” than a person who does not work.

One of the factors influencing a positive decision by a consular officer is related to the applicant’s situation in his home country.

If someone who wants to get a Schengen visa has a good job, then there should be no desire to look for work abroad.

For those officially employed, it is enough to only provide a certificate of employment with a white salary with a minimum salary of 20 thousand rubles. But what if a person got a job recently and does not have 6 months of experience? Then he should additionally attach a copy of his work book, which indicates his previous places of work.

If the applicant for a Schengen visa is the head of a company or a private entrepreneur, a salary certificate can also be taken from the place of work. It must only be issued and signed by any other authorized employee.

For private owners, you may need to collect an additional set of certificates confirming income:

a copy of the certificate of PBOYUL or individual entrepreneur;
an extract from the Unified State Register of Individual Entrepreneurs, as well as confirmation of the absence of debts from the tax authority;
copy of the Z-NDFL tax return.