As at 10 November 2026.
Bank statement formats in Poland: MT940, camt.053 and CSV
Polish business banking most often lets you download a statement as MT940, camt.053 or CSV, plus a PDF. MT940 and camt.053 import into accounting software, CSV opens in a spreadsheet, and the PDF is for reading and archiving.
- MT940 is a plain-text file. Every bank in the table below that publishes a description of its formats offers it. Accounting software usually reads it, and Millennium explicitly describes it as a file for import into an accounting (FK) system.
- camt.053 is an XML statement in the ISO 20022 standard. It is the newer format. ING recommends version camt.053.001.08, while Alior has only announced it and is staying with MT940 for now.
- CSV is a table for a spreadsheet. Each bank has its own column layout, so a template set up for one bank usually won't work with a file from another.
- Bank-specific formats: Elixir and Kontakt at PKO BP, and UNL and OFX at Erste Bank Polska. ING also offers MT942, and ING and BNP Paribas also export transaction history in camt.052.
- PDF is for reading, printing and filing.
Which statement formats does your bank offer?
The table covers business banking, with the name of the online banking system in brackets.
| Bank (system) | MT940 | camt.053 (version) | CSV | Other |
|---|---|---|---|---|
| PKO BP (iPKO biznes) | yes | 001.02 | via the Reporting Module (Moduł Raportowy) | Elixir, Kontakt |
| Bank Pekao (PekaoBiznes24) | no description of formats on the bank's website | |||
| Erste Bank Polska (iBiznes24) | yes, several variants | 001.08 | yes, “Moja Firma plus” | UNL, OFX, XML, JPK |
| ING (ING Business) | yes | 001.02 and 001.08 (recommended) | — | MT942, camt.052 |
| mBank (retail banking; corporate and SME banking) | yes, a separate layout for each | 001.08 (corporate and SME) | — | — |
| BNP Paribas (GOonline Biznes) | yes, two templates | 001.08 | — | camt.052, HTML, PDF |
| Bank Millennium (Millenet dla Przedsiębiorstw) | yes | — | — | |
| Alior Bank (internet banking, BusinessPro) | yes, a separate layout for each system | announced | yes, in internet banking | MT942 |
A dash means the bank doesn't describe that format in its export specification. Erste Bank Polska was formerly Santander Bank Polska.
Which format should you use for accounting software?
Choose camt.053, or MT940 if your bank doesn't offer it. With camt.053, also check the version: PKO BP provides 001.02, mBank, BNP Paribas and Erste provide 001.08, and ING offers both. At ING, choose 001.08: according to the bank, the 001.02 template has not been adapted to the November 2026 changes, such as CBPR+ and SORBNET3 (the National Bank of Poland's large-value payment system). Your accounting software must support the version you choose.
Before you set up the export, ask your accountant or check in your software which MT940 variant it reads. One bank can have several. mBank has one layout for retail banking and another for corporate and SME banking, and Alior has one for internet banking and another for BusinessPro. BNP Paribas offers two templates, and at Erste the variant depends on the template you choose and your user settings. Software that reads one layout may misread another, even though both are called MT940.
Choose CSV when you want to go through incoming payments in a spreadsheet, or when your software accepts exactly that kind of file. A PDF isn't suitable for import.
If an accounting firm keeps your books, agree the export format and template with them once, then send the file in the same format every month. If you change the template in your online banking, the file layout may change, and the import in the accounting software then has to be set up again.
Where do you download statements in online banking?
- PKO BP: “Rachunki” (Accounts) → “Raporty” (Reports) → “Raporty standardowe” (Standard reports). You set up your own templates under “Rachunki” → “Raporty” → “Szablony raportów” (Report templates). CSV comes from the Reporting Module (Moduł Raportowy), but you have to activate it first.
- BNP Paribas: the “Zarządzanie plikami” (File management) module → “Szablony eksportów” (Export templates).
- Bank Millennium: on the “Wyciągi i raporty” (Statements and reports) tab you can download statements as PDFs, or all of them in a single MT940 file.
- Erste Bank Polska: you download CSV in the “Wyciąg z rachunku” (Account statement) window, using the “Moja Firma plus (CSV)” button.
ING, mBank and Alior don't say in their format descriptions where the export sits in their systems, and Pekao doesn't publish such descriptions on its website. With these banks, the quickest route is to ask your relationship manager or the business helpline.
What changes with KSeF from 2027?
From 1 January 2027, an active VAT payer (czynny podatnik VAT) that pays another active VAT payer by bank transfer quotes the invoice's KSeF number or a collective identifier (IZ) with the payment. KSeF (Krajowy System e-Faktur) is Poland's National e-Invoicing System. Both identifiers are 35 characters long, so as a seller, check whether your export keeps the full transfer title (the payment description). In MT940, many banks split the title into lines of 27 characters, so the number takes up at least two. In Erste's basic MT940 history export, only 65 characters of the title are carried over, so a KSeF number in a longer title may be cut off. Choose a template that carries the full title.
Check your statement with kto-zaplacil.pl
Drop an MT940, camt.053 or CSV statement into kto-zaplacil.pl: the tool finds KSeF numbers and IZs in payment titles. It may not recognise a number, however, if the bank has split it across consecutive lines of a long title, or across the title sections of an Elixir file from PKO BP.
This article is for information only and is not tax advice.