How to download an online bank statement
If you use online banking, it’s the easiest way to get your bank statements ready to send to us. Bank statements will normally include:
Your bank’s logo!
Business name and registered address
Sort Code and Account Number (they may also include a BIC or IBAN)
All transactions, with inflows, outflows and balance
NB: some banks also give you the option to ‘export transactions’ as a spreadsheet (.csv, .ofx, .ofc, .xls) – lenders will not accept these.
Why do you need a downloadable bank statement?
Downloadable bank statements are used by business owners for a range of helpful purposes, including applying for business loans and proving income to investors.
Get business finance
A downloadable bank statement can provide the evidence you need to demonstrate to lenders that you’re able to afford a certain amount of funding.
Apply for a lease
Similarly, a property, vehicle, or asset lease application could be strengthened with a bank statement that reflects what your revenue and outgoings look like.
Demonstrate financial health to investors
Equity finance can be an empowering way to gain access to both funds and partners. Past bank statements can help you show investors how much they could hope to gain back in ROI (return on investment).
Manage your accounting
Many digital accounting tools now automatically connect to your bank, enabling you to reconcile your invoices and receipts with payments directly from your bank within the tool. However, if you choose not to automatically connect your bank account to your tool, downloading a statement is essential to ensuring you’re tracking your expenses effectively.
Prepare for tax season
Bank statements can help your accountant ensure you are submitting the right information to HMRC.
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Tell us how much you need
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How to download a bank statement PDF
PDF Statements
It doesn’t matter who you bank with – if you’re using online banking, you can download PDF statements. While each bank uses slightly different words, the process is basically the same.
Visit your bank’s website or app
If you’re using a webpage, type your bank’s URL into the search bar and visit. Or, open up their app on your phone if you have it installed. If you don’t yet have the app, search for it in the Google Play store or the Apple store.
Log in
Use your login details to log in to your online banking, digital banking, internet banking, or e-banking portal.
Click ‘statements’, ‘e-documents’, or ‘download’
Navigate to the section that is titled “statements”. You may find this under options or another similarly titled section. In some apps, this could be situated under documents, transaction history, or account details.
Make sure you’ve selected the correct account
Make sure you’ve got the correct account, the right date range, and all transactions included.
Choose a statement (or a date range)
You may be given the option to download the statements for a given month, a period of three months, or a year, or you could be asked to input a custom date range.
Choose the file format
Choose the file format you would like to download. You may be given the option between downloading a spreadsheet or a .pdf. If you’re submitting the bank statement to us, we prefer the .pdf format.
Download
With some banks, instead of a ‘download’ option you have to choose ‘print’ and then select ‘Save as .PDF.’ Repeat the steps above to download multiple statements.
How much can you afford to borrow?
If you're ready to take your business to the next level, use our business loans calculator to get an idea of what you can afford.
Want to understand the cost of your loan?
Use our business loan calculator below to find out how much you can borrow to take your business to the next level.
Calculations are indicative only and intended as a guide only. The figures calculated are not a statement of the actual repayments that will be charged on any actual loan and do not constitute a loan offer.
Monthly payments
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Monthly interest
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Total interest
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Length of loan
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Total cost of loan
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Financial product information
Representative example*
• 7.63% APR Representative based on a loan of £50,000 repayable over 24 months.
• Monthly repayment of £2,252.94. The total amount payable is £54,070.56
*Some lenders may apply fees during the application process, please note that these are set and provided by these entities.
Annual Percentage Rates
Rates from 2.75% APR
Repayment period
1 month to 30 years terms
Emailing bank statements
.zip file
The best way is to create a .zip file – select all of the statements you want to zip, right click, and download.
Windows or Mac
If you’re using Windows, follow these steps: Send to > Compressed (zipped) folder. If you’re using a Mac device, follow these steps: Compress [x] items.
This should create one .zip file which contains all the .pdf statements, which you can add as an attachment to an email. If you have any issues, get in touch with your Business Finance Specialist at Funding Options by Tide and they’ll be happy to help.
What should a bank statement include?
Company address
A bank statement can serve as evidence of your company address and name.
Opening and closing balance
The statement will say what your opening and closing balance is at the time of the chosen dates.
Transaction list
It will also list any outgoing and incoming payments, including cash withdrawals and bank transfers.
Learn more about bank statements
What types of finance applications might need a bank statement?
A wide range of business finance types may require a bank statement to be submitted during the loan application process. Here are some of them.
Business loans
A business loan is a lump sum of money that is repaid on an instalment basis with the addition of interest. A bank statement can help you demonstrate to the lender that you’re able to meet the recurring repayment obligations.
Commercial mortgage
A commercial mortgage is a form of finance which is extended to enable you to purchase a commercial premises, while spreading the cost over 3 to 30 years. Bank statements can help you show lenders that you have a strong track record of cash flow and would be able to pay your mortgage on time. They can also demonstrate how much you have in savings to contribute towards a deposit.
Merchant cash advance
A merchant cash advance is an advance on future earnings. Bank statements can help you demonstrate to the lender that you’re in receipt of consistent card sales and you do have a regular flow of revenue coming in from which they can regain their investment.
Do I need a three month bank statement or a one year bank statement?
That depends on what you’re applying for. In general, if you’re demonstrating proof of cash flow, you may need a one year bank statement, however, if you only need evidence of your current cash reserves or address, you could need a three month statement or less. Fortunately, digital banks usually offer both options, and can offer custom date options too. Just select the correct date range and hit download.
Are lenders ever willing to consider future earnings rather than past earnings in an application?
Sometimes, yes. It depends on the type of loan you’re applying for. For instance, buy-to-let commercial mortgages can consider affordability based on future rental yield rather than historic income.
What else might support my loan application?
Cash flow projections, a business plan, an exit plan, client contracts, and corporation tax returns may all be used to support a loan application.
Please note that the information above is not intended to be financial advice. You should seek independent financial advice before making any decisions about your financial future.
It’s important to remember that all loans and credit agreements come with risks. These risks include non-payment and late-payment of the agreed repayment plan, which could affect your business credit score and impact your ability to find future funding. Always read the terms and conditions of every loan or credit agreement before you proceed. Contact us for support if you ever face difficulties making your repayments.
Funding Options, now part of Tide, helps UK firms access business finance, working directly with businesses and their trusted advisors. Funding Options are a credit broker and do not provide loans directly. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Funding Options can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. Funding Options will receive a commission or finder’s fee for effecting such finance introductions.
