NAB is the odd one out among the big four for what it will actually hand you. Its own personal export is described as a spreadsheet, QIF or PDF — NAB reserves the printed word CSV for its business tiers — so even the best case leaves you converting something. The windows are the other half of the problem: NAB Internet Banking holds seven years of statements while the NAB app holds two, and transaction history itself is capped at 731 days, which is why anything older than roughly two years arrives as a PDF. The period is closed off by an account summary carrying opening balance, total credits, total debits and closing balance.
- Debits and credits stay in their own columns, so a NAB debit never lands in the CSV as a credit.
- Multi-line transaction details are rejoined rather than split into phantom rows with no amount.
- Seven-year-old statement PDFs convert the same as last month's — the engine reads the layout, not the vintage.
- The printed opening and closing balances are used to verify the output instead of asking you to trust it.