UAE bank statements to Excel — every bank, every column
Built for CBUAE-licensed banks. WPS salary credits, Salik top-ups, DEWA bills, and 9% corporate tax rows extracted clean.
The UAE hosts more than 60 banks licensed by the Central Bank of the UAE (CBUAE). Kashfbank handles statements from the major ones: Emirates NBD, First Abu Dhabi Bank (FAB — formed from the FGB and NBAD merger in 2017), ADCB, Mashreq, Dubai Islamic Bank (DIB), Abu Dhabi Islamic Bank (ADIB), RAKBANK, Commercial Bank of Dubai, National Bank of Fujairah, Ajman Bank, and Sharjah Islamic Bank.
Central Bank of the UAE (CBUAE)
9% Corporate Tax since June 2023 on profits above AED 375,000; 0% for Qualifying Free Zone entities meeting conditions; 5% VAT since January 2018; no personal income tax.
Jan 1 – Dec 31 (Gregorian)
Supported Banks in United Arab Emirates
WPS, MoHRE codes, and salary reconciliation
The UAE's Wage Protection System requires private-sector salaries to be paid by the last day of the month through CBUAE-registered channels. Statement entries appear as 'SALARY CR' or 'WPS CREDIT' followed by the employer's MoHRE (Ministry of Human Resources and Emiratisation) registration number. Kashfbank pulls the full descriptor, so you can match a 12-month salary trail to the issuing employer for visa, loan, or rental applications.
Salary rows on a UAE statement are often the only consistent monthly anchor — useful for proving income for a mortgage at Emirates NBD or a tenancy contract. Converting the PDF to Excel gives you a sortable column of salary deposits in seconds, with the WPS reference attached to each one.
9% corporate tax, 5% VAT, and what a freelancer needs
The UAE introduced 9% corporate tax in June 2023 on profits above AED 375,000, alongside the 5% VAT that has been in force since January 2018. Qualifying free-zone entities (DIFC, ADGM, JAFZA, and others) can still qualify for 0% if they meet the conditions. Statement-level data is the basis for the P&L that drives both calculations.
Freelancers operating under a UAE freelance permit cross the AED 375,000 corporate tax threshold faster than they expect. A clean CSV of a 12-month statement separates business income from reimbursements and personal transfers — and lets you give your accountant something other than a 60-page PDF dump.
Salik, DEWA, ADNOC, FTA — the merchants UAE statements show every month
A typical Dubai resident's statement includes Salik toll top-ups, DEWA utility bills, ADNOC fuel purchases, du or Etisalat telecom payments, and FTA VAT remittances. Kashfbank preserves each merchant label as it appears on the source PDF — DEWA PAYMENT, SALIK TOPUP, ADNOC FUEL — so categorization in your spreadsheet or accounting tool is one filter, not a regex hunt.
- Salik top-ups grouped under their own descriptor
- DEWA and Etisalat bills extracted with reference numbers
- VAT PAYMENT FTA rows kept distinct for input VAT reconciliation
Output that opens cleanly in Excel and Numbers
DD/MM/YYYY date format matching the UAE convention. AED currency code on every amount. Foreign transactions show both the AED amount and the original currency with the exchange rate the bank applied. IBAN and account number lifted into the header section of the file.
If your statement spans multiple accounts — current, savings, USD savings — each account becomes its own sheet in the same Excel file. Tested against statements from over 25 UAE banks.
Common Merchant Labels
| Label | Meaning |
|---|---|
| ENBD POS | Emirates NBD point-of-sale |
| DEWA PAYMENT | Dubai Electricity & Water Authority bill |
| SALIK TOPUP | Dubai toll road top-up |
| ADNOC FUEL | ADNOC petrol station |
| VAT PAYMENT FTA | VAT remittance to Federal Tax Authority |
Regulatory Notes
CBUAE's Open Finance framework went live in 2023. Statements must be issued in English. Free zone entities (DIFC, ADGM) follow separate, internationally-aligned regulatory frameworks.
Frequently Asked Questions
Does Kashfbank work with Emirates NBD statements?
Yes. Emirates NBD issues text-layer PDF statements that we read directly. Salary credits, ATM withdrawals, card payments, Salik top-ups, and FX conversions are all extracted with their original descriptors.
What about FAB statements with their post-merger format?
FAB statements after the FGB–NBAD merger use a consolidated format that we have tested against. Both retail and SME formats are supported.
Can I use the Excel output for a UAE mortgage application?
The converted file gives the banks the same data their underwriters extract manually. Most users export 12 months of statements as a single CSV and submit it alongside the original PDFs. Banks still ask for the originals — we do not replace them.
Does it read Dubai Islamic Bank or ADIB Islamic statements?
Yes. Murabaha, Ijara, and Wakala entries appear with their original Arabic labels. We do not collapse them into a generic 'finance charge' line.
Will the output handle multi-currency UAE accounts?
Yes. If your DIB or Mashreq account holds AED, USD, and EUR sub-accounts, each currency gets its own sheet in the output Excel file with the bank's stated FX rate kept on each row.
What about statements in Arabic from an Islamic bank?
Arabic descriptions are extracted in Arabic, and we add an English column next to them. No translation — the original Arabic stays as the bank printed it.
Convert United Arab Emirates Bank Statements
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Common Payment Apps
Salary Conventions
UAE's WPS (Wages Protection System) requires salary transfer by the last day of each month. Statement entries appear as 'SALARY CR' or 'WPS CREDIT' with the employer's MoHRE registration number.