The bank statement does not import

Symptom

In Import bank statement, after choosing the Bank journal and the File, Review the file opens Invalid Operation and does not move on to the review screen. Nothing is imported.

The normal path is in How to import the bank statement. The examples were made with the Accountant profile, in the Bank journal of Empresa Demonstração, Lda (IBAN PT50 9999 0000 1234 5678 9012 2), with test files dated 31/10/2026.

Message

MT940 without a closing balance (file without the :62F: line):

“Invalid MT940 file: statement no. 1 has no closing balance (:62F:).”

MT940 with balances that do not add up (opening balance €31,102.59, one movement of -€12.50 and closing balance €31,102.59):

“Invalid MT940 file: the balances of statement DEMO2026103102/00002/001/2026-10-31 do not add up: opening 31.102,59 + entries -12,50 = 31.090,09, but the closing balance is 31.102,59.”

OFX without a closing balance (file without the LEDGERBAL block):

“Invalid OFX file: statement 1 has no closing balance (LEDGERBAL): without it the statement cannot be checked, ask the bank for a file that includes the balance.”

CSV with column headings fiscaldoo does not recognise (columns “Referencia”, “Texto” and “Valor EUR”):

“Modelo Genérico PT - CSV (deteção automática): No header row was recognised in the first 30 rows (separators tried: ;, ,, TAB, |). A column with the movement date and one with the amount (or debit and credit) are needed, with the usual headings (e.g. Data Mov., Descrição, Débito, Crédito, Montante, Saldo). Adjust the column headings of the file or create a template with the assistant (Accounting › Reconcile › Banks and cash, panel “What is there to do with the banks?”, link “Statement import templates”).”

Verified causes

• The file is incomplete or damaged. A balance or a mandatory field is missing, or a movement is unreadable. This happens with files edited by hand, cut off when copied or exported with a wrong option on the bank's website. fiscaldoo checks the whole file before importing: half of it never gets in.
• The file's balances do not add up with the movements. The opening balance plus the movements must give the closing balance. If it does not, a movement is missing from or extra in the file.
• The CSV has no recognised column headings. Without an Import template, fiscaldoo uses Genérico PT - CSV (deteção automática), which looks for a date column and an amount column (or debit and credit) by the usual headings. A CSV with “Data”, “Descricao” and “Montante” was recognised and reached the review with “Import 1 movement”; one with “Referencia”, “Texto” and “Valor EUR” was refused.
• The account, the period or the file are not suitable: the file belongs to another account, has movements in a locked period, or has already been imported. These three cases are in Import the bank statement, Common problems, with the message for each.

Pending validation on screen: the refusals of a Norma 43, QIF or Excel file, of an import template with a wrong date format and of a currency different from the journal's were not triggered in this round.

What to check

1. The file format (MT940, Norma 43, CAMT.053, OFX, QIF, CSV or Excel) and whether it was downloaded from the bank's website without being opened and saved in another program.
2. In the bank's PDF statement, the opening balance, the closing balance and the number of movements in the period.
3. For a CSV, the headings on the first row: there must be a date column and an amount column (or debit and credit).

How to fix it

1. Damaged file or file without balances: download the statement again from the bank's website, in the same format, and do not open or save it in another program before importing. If the bank does not put the balance in the file, choose another format (for example, CAMT.053 or MT940).
2. Balances that do not add up: compare the file with the PDF statement. Download the whole period, without date or movement type filters.
3. CSV without recognised columns: use a CSV with the headings the bank provides (“Data Mov.”, “Descrição”, “Débito”, “Crédito”, “Montante”, “Saldo”), or create the bank's template in Accounting › Reconcile › What is there to do with the banks? › Supporting lists › Statement import templates (the path the message gives; opened in the demonstration with the Accountant profile) and choose it in Import template.
4. Go back to Import statement and click Review the file.

Do not correct the bank file by hand

A balance or a movement changed by hand makes the bank balance in fiscaldoo stop matching the bank. Ask the bank for the correct file.

Expected result

• Review the file opens the review screen, with the detected format, the account, the balances and the lines to import. Follow How to import the bank statement from step 5.
• Nothing is imported while the refusal remains: fiscaldoo does not create partial statements.

When to contact support

• The file came from the bank unchanged, the balances match the PDF and the refusal persists.
• Your bank's format is not on the list of accepted formats.

Information to send

• The bank's name, the format and the file name (without sending the file, if it contains customer data).
• The full text of the message, copied from the screen.
• The bank journal chosen.
• The profile you logged in with.