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Financial Dictionary - Bank statement

Bank statement

A bank statement is a document issued by a bank that includes the available balance and the summary of the transactions that have taken place in the bank account, credit card or financial product during a certain period of time.

Traditionally it was customary to receive monthly bank statements on paper. Most banks have now stopped sending them in paper format since online banking offers customers the possibility of checking this information anytime and anywhere. In addition to checking transactions, most online banking websites allow you to download the bank statement.

The bank statement includes all the transactions made from the account, such as cash withdrawals, ATM transactions, salary payments, direct debits, cheque collections and payments and credit card transactions.

The bank statement includes the following information about each of the account transactions:

  • Transaction: all transactions that involve a change in the account balance will appear on the statement.
  • Date: the statement includes two dates for each transaction, one being the date on which the transaction was carried out, and the other being the effective date, which is the date from which credits to the account will begin to generate value, and in the case of debits, the date on which they stop generating value.
  • Amount: shows payments as negative and income as positive.
  • Resulting balance: the amount of money that will be available in the account for the holder to use freely.


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