Bahrain bank statements to Excel — Arabic and English, in seconds
Built for CBB-licensed banks. BENEFIT, BenefitPay, Fawateer, and 10% VAT lines are extracted and labeled — and BHD fils are read as three decimals, not three thousands.
Bahrain hosts the largest concentration of licensed Islamic banks in the GCC under the Central Bank of Bahrain. Kashfbank reads PDF statements from BBK, NBB (National Bank of Bahrain), Ahli United Bank, Al Baraka Islamic Bank, BisB, and the other CBB-licensed banks. The CBB runs one of the region's most advanced Open Banking frameworks with PSD2-equivalent API standards, but most account holders still receive monthly PDFs — that's what this converts.
Central Bank of Bahrain (CBB)
10% VAT since January 2022; no personal income tax; no corporate income tax for most sectors; Zakat on Bahraini-owned Islamic banks.
Jan 1 – Dec 31
Supported Banks in Bahrain
BHD fils — three decimals, parsed correctly
The Bahraini dinar is pegged to USD at 0.376 since 1980, making it the third-highest-valued currency in the world. One dinar is 1,000 fils, and statements print amounts to three decimal places. A row showing '125.500' means BHD 125.500 — not BHD 1,255.00. Most generic PDF-to-Excel tools mis-parse this and inflate every figure by a thousand. We don't.
The pegged rate also means BHD card spend abroad converts at a stable 2.66 USD per dinar. Kashfbank keeps the original currency column where your bank prints it, so foreign card spend doesn't get rounded back into your BHD running balance.
BENEFIT, BenefitPay, Fawateer, and 10% VAT
The BENEFIT network handles the majority of Bahrain's POS and interbank traffic. BenefitPay is its mobile wallet. Fawateer is the national bill-payment portal. Each appears with its own descriptor in your PDF statement, and each survives the conversion as a separate row — so you can filter 'FAWATEER' for utility payments or 'BENEFIT POS' for card spend without picking through merchant strings.
Bahrain doubled VAT from 5% to 10% in January 2022. Most retail merchant lines after that date carry a VAT component. The Excel output gives you the raw rows — date, amount, description, debit, credit — that an accountant can drop into a VAT working file. The WPS salary descriptor with the LMRA employer code is preserved, so 12 months of salary deposits pull out cleanly for loan or visa applications.
Common Merchant Labels
| Label | Meaning |
|---|---|
| BENEFIT POS | BENEFIT network card payment |
| NBB TRANSFER | National Bank of Bahrain transfer |
| BATELCO BILL | Bahrain telecom bill |
Regulatory Notes
CBB operates one of the MENA region's most progressive Open Banking frameworks, with full PSD2-equivalent API standards. BHD is pegged to USD at 0.376 since 1980.
Frequently Asked Questions
Which Bahrain banks does Kashfbank support?
Every CBB-licensed bank we have tested against: BBK, NBB, Ahli United Bank, Al Baraka Islamic Bank, Bahrain Islamic Bank, and the major retail names. If your bank issues a text-layer PDF statement, we can read it.
Does it handle the three-decimal BHD fils correctly?
Yes. We parse BHD amounts at three decimal places. '125.500' is read as 125.5 dinars, not 1,255. The same logic applies to KWD and OMR statements — all three GCC dinars share the fils/baisa precision.
Will Murabaha and Ijara entries from Al Baraka or BisB stay labeled?
Yes. Islamic finance entries — Murabaha, Ijara, Wakala — are extracted with their original Arabic labels. We do not relabel them as 'interest' or merge them with conventional rows.
Does it separate BENEFIT POS from BenefitPay and Fawateer?
Yes. Each appears as its own row with the bank's original descriptor. You can filter BENEFIT POS for card spend, BenefitPay for wallet transfers, and Fawateer for bill payments in Excel without manual cleanup.
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Common Payment Apps
Salary Conventions
Bahrain WPS covers private sector; salary entries show 'WPS SALARY' with Labour Market Regulatory Authority (LMRA) registration codes.