ING Netherlands Statement to Excel Converter

What do Af and Bij mean on an ING statement, and how is Dutch number formatting handled?

ING labels debit and credit as Af and Bij rather than generic terms, and Dutch comma decimals with period thousands separators need normalizing before spreadsheet formulas will treat the amounts as numbers.

ClearlyLedger maps Af and Bij to standard debit/credit columns and normalizes Dutch number formatting automatically.

How does ClearlyLedger handle iDEAL and SEPA reference text?

iDEAL, SEPA and payment-reference text can span multiple lines in the Naam / Omschrijving field, which a generic parser can split away from the amount it belongs to.

In Dutch, this document is a rekeningafschrift: ING ontstond in 1991 uit de fusie van verzekeraar Nationale-Nederlanden en NMB Postbank Group; de naam staat voor 'Internationale Nederlanden Groep'.

Which export should I use for Dutch bookkeeping and a BTW-aangifte?

Use Excel when reviewing figures for a boekhouder, annual accounts, or preparing a BTW-aangifte (VAT return). Use CSV for import into Dutch accounting software such as Exact Online or Twinfield.

ClearlyLedger's balance verification checks extracted rows against the printed saldo before export, helping catch a missing row before bookkeeping starts.

ING Netherlands source profile used by this guide

Printed statement structure: PDF with Datum, Naam / Omschrijving, Af, Bij, Saldo

Source conventions: DD-MM-YYYY dates, EUR EUR amounts, and 2-20 pages.

ING Netherlands observations to sample during review

• ING took shape in a 1991 merger of the insurer Nationale-Nederlanden and NMB Postbank Group; the name itself is short for 'Internationale Nederlanden Groep'
• iDEAL, SEPA and payment-reference text can span multiple lines
• Dutch comma decimals and period thousands separators need normalization
• Debit and credit may be labelled Af and Bij instead of generic terms

These ING Netherlands details identify the rows most likely to need inspection after extraction. Review the first and final transaction, each PDF page boundary, and any row affected by the observations above before using the spreadsheet in an accounting import.

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Frequently asked questions

How do I convert an ING statement to Excel?

Upload the ING PDF to ClearlyLedger. The Af/Bij layout is mapped to debit/credit automatically, Dutch number formatting is normalized, the balance is verified, and the statement is exported to Excel.

Can I convert ING statements to CSV?

Yes. ClearlyLedger exports ING transactions to CSV with date, description, debit, credit and balance columns for accounting imports.

Does it handle iDEAL references?

Yes. iDEAL and SEPA payment references that wrap across lines are stitched back together rather than truncated.

Is the export ready for a BTW-aangifte?

The verified Excel or CSV export gives a boekhouder clean transaction-level data to work from when preparing VAT figures, though ClearlyLedger doesn't file the BTW-aangifte itself.

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