Convert & Reconcile Vietnamese Bank Statements Online

Read XLSX / CSV statement exports of Vietnamese banks into one schema, check the running balance and reconcile credits with expected payments.

Result

Press “Run” to see the result.

Upload the statement (sao kê) exported from internet banking as XLSX or CSV, or send its rows as JSON. The API finds the header row among the bank's title lines, recognises the columns in Vietnamese or English (ngày giao dịch, số tham chiếu, ghi nợ / ghi có or a signed amount, số dư, nội dung / diễn giải, đối ứng…), detects the bank and the account number from the title, and returns every transaction in one schema: date, debit, credit, signed amount, balance, description, reference, counterparty and the order code found with prefix / pattern. Total and opening / closing balance rows are recognised and skipped.

The running balance is checked in both export orders (oldest or newest first): each balance must equal the previous one plus the credit minus the debit; mismatching rows are listed, as well as the opening and closing balances. Send expected ([{"code", "amount"}], up to 5,000) to reconcile: each credit is matched by code, then by a unique amount, and the answer lists matched, under- / over-paid and missing payments, plus credits that match nothing.

Old binary .xls files and PDF statements are not read (save as .xlsx or CSV; /v1/pdf-text extracts text from PDFs). Files are processed in memory and never stored.

Use this in your code

curl -X POST "https://apibox.io.vn/v1/vn-bank-statement" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"csv":"Ngày giao dịch,Số tham chiếu,Nội dung,Ghi nợ,Ghi có,Số dư\n10/11/2026,FT001,CT DEN DH1001 NGUYEN VAN A,,\"500,000\",\"10,500,000\"\n10/11/2026,FT002,Phi SMS,\"11,000\",,\"10,489,000\"\n11/11/2026,FT003,DH1002 TRAN THI B,,\"1,200,000\",\"11,689,000\"","prefix":"DH","expected":[{"code":"DH1001","amount":500000},{"code":"DH1002","amount":1250000},{"code":"DH1003","amount":99000}]}'

const res = await fetch('https://apibox.io.vn/v1/vn-bank-statement', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    "csv": "Ngày giao dịch,Số tham chiếu,Nội dung,Ghi nợ,Ghi có,Số dư\n10/11/2026,FT001,CT DEN DH1001 NGUYEN VAN A,,\"500,000\",\"10,500,000\"\n10/11/2026,FT002,Phi SMS,\"11,000\",,\"10,489,000\"\n11/11/2026,FT003,DH1002 TRAN THI B,,\"1,200,000\",\"11,689,000\"",
    "prefix": "DH",
    "expected": [
      {
        "code": "DH1001",
        "amount": 500000
      },
      {
        "code": "DH1002",
        "amount": 1250000
      },
      {
        "code": "DH1003",
        "amount": 99000
      }
    ]
  }),
});
const data = await res.json();
console.log(data);

import requests

res = requests.post(
    "https://apibox.io.vn/v1/vn-bank-statement",
    headers={"Authorization": "Bearer YOUR_API_KEY"},
    json={"csv": "Ngày giao dịch,Số tham chiếu,Nội dung,Ghi nợ,Ghi có,Số dư\n10/11/2026,FT001,CT DEN DH1001 NGUYEN VAN A,,\"500,000\",\"10,500,000\"\n10/11/2026,FT002,Phi SMS,\"11,000\",,\"10,489,000\"\n11/11/2026,FT003,DH1002 TRAN THI B,,\"1,200,000\",\"11,689,000\"", "prefix": "DH", "expected": [{"code": "DH1001", "amount": 500000}, {"code": "DH1002", "amount": 1250000}, {"code": "DH1003", "amount": 99000}]},
    timeout=30,
)
print(res.json())

<?php
$ch = curl_init('https://apibox.io.vn/v1/vn-bank-statement');
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_CUSTOMREQUEST => 'POST',
    CURLOPT_HTTPHEADER => ['Authorization: Bearer YOUR_API_KEY', 'Content-Type: application/json'],
    CURLOPT_POSTFIELDS => '{"csv":"Ngày giao dịch,Số tham chiếu,Nội dung,Ghi nợ,Ghi có,Số dư\\n10/11/2026,FT001,CT DEN DH1001 NGUYEN VAN A,,\\"500,000\\",\\"10,500,000\\"\\n10/11/2026,FT002,Phi SMS,\\"11,000\\",,\\"10,489,000\\"\\n11/11/2026,FT003,DH1002 TRAN THI B,,\\"1,200,000\\",\\"11,689,000\\"","prefix":"DH","expected":[{"code":"DH1001","amount":500000},{"code":"DH1002","amount":1250000},{"code":"DH1003","amount":99000}]}',
]);
$response = curl_exec($ch);
print_r(json_decode($response, true));

API documentation → Get a free API key

FAQ

Which banks are supported?

Any export whose header row names a date column and debit / credit or amount columns, in Vietnamese or English: this covers the usual Vietcombank, BIDV, VietinBank, Techcombank, MB, ACB, VPBank exports. The bank is detected from the title lines or given with bank.

What does the balance check do?

It recomputes each balance from the previous one and the amounts, in the order of the file or reversed, and lists the rows that do not add up.

Is the file stored?

No. It is parsed in memory for the request only.