Running a business means keeping a close eye on your finances, and bank statements are one of the most important records you’ll need. Whether you’re applying for a loan, or reconciling your accounts, knowing how to get a bank statement quickly can save you time and hassle.
If you’re just starting out and don’t yet have a dedicated business bank account, setting one up is an important first step, it keeps your finances separate, simplifies bookkeeping, and helps you stay compliant with HMRC. You can follow our guide on how to open a business bank account to get started.
What is a bank statement and why do you need one?
A bank statement is a document (paper or digital) that summarises all transactions in your bank account over a set period of time (usually one month). It shows money coming in and going out of your account, giving you a snapshot of your business’s cash flow and current balance. Commonly, each statement will include:
Bank details: the name, address, and contact information of your bank.
Business and account info: your company name and address, plus the account number and sort code for the account in question.
Statement period summary: the opening and closing balance for the period (e.g. the balance at the start of the month and the end of the month), along with totals for all deposits and withdrawals in that period.
Transaction list: a line-by-line list of all transactions (payments, receipts, transfers, fees, etc.), each with a date, description, amount, and updated account balance after that transaction.
Bank statements are essential for several reasons. They help you track your business spending and income, making bookkeeping and budgeting easier. They also serve as proof of your financial history: lenders often require recent bank statements when you apply for a business loan or mortgage to assess your financial health. You might also need bank statements to verify transactions, resolve any discrepancies, or provide proof of your business address (a recent statement is often accepted as an address verification document).
They're also useful for tax preparation, they provide a record of expenses and income that your accountant (or you) can use to file accurate tax returns. Understanding how to get a bank statement when you need one is a MUST for maintaining good financial records and meeting the requirements of lenders, HMRC, and other stakeholders.
How to download your bank statement online
Online banking and mobile apps make it easy to get a bank statement whenever you need it. Almost all UK banks provide electronic statements that you can access on your computer or mobile phone. Here's a step by step of how to get your statements online:
Log in to your online banking. You can use your bank’s website, or log in via their app. You’ll need your usual security details (username, password, and any required authentication).
Go to the “statements” section. Once logged in, find the section of the site or app where your statements or documents are located. Look for words like “statements”, “documents”, “account documents” in the menu. In some banking apps, you might need to go to the account in question and then look for an option to “view statements”.
Select the account and date range. If you have multiple accounts (e.g. business current account, savings account, credit card), make sure you’ve selected the correct one. Then choose the statement period you need. Most online banking systems let you choose a specific month or a custom date range. For example, you might select January 2025 or input a range like 01/01/2025 – 31/03/2025 to get a quarterly statement. (Many UK banks provide at least 5 years of past statements online: HSBC notes that banks typically keep up to 5 years of statements accessible even if an account is closed, and some banks offer 7+ years of history). If you can’t go back in time more than a couple months or two years, use the support chat to request older statements.
Once you’ve selected the period, click the option to “Download PDF” or “Download statement” (the wording may vary). This will generate your bank statement as a PDF file (or occasionally as an HTML page or CSV spreadsheet, depending on the bank and your choice of format). If there’s no obvious download button, look for a print icon, some banks require you to click “Print” and then save as PDF from the print dialogue.
Choose a safe location on your computer or cloud storage to save the PDF file.
Your business bank statements contain sensitive information, so keep them protected. If you’re on a public or shared computer, avoid downloading statements there. If you must, delete the files afterwards.
Most banks will automatically generate PDF statements for each month, which you can download. Many also give the option to download in other formats (like CSV or Excel) if you want to analyse the data in a spreadsheet. PDF is preferred for official purposes since it’s an uneditable snapshot of your transactions (and many lenders specifically ask for PDF copies).
How to get a paper bank statement
Downloading statements online is fastest, but if you need a paper copy or you’re unable to use online banking, banks will still provide traditional paper statements, and you have a few ways to get them:
Mail statements by post : Most banks send out paper statements monthly by default or upon request. If you’ve gone paperless and need a one-off paper copy, you can usually request one. This can often be done through online banking (look for an “Order paper statement” button) or by calling your bank's customer service.
At your branch: you can walk into your local bank branch and ask a staff member to print a statement for you. Make sure to bring identification and your business account details for security. If you need older statements beyond what’s immediately available, they might arrange for them to be mailed or prepared for later pickup.
Downloading statements from major UK banks
Every bank’s website is a bit different. Below we’ve compiled instructions for most major UK business banks. Find your bank in the list and follow the steps to save your statements:
Barclays Business
Log in to Barclays Online Business Banking using your PIN entry or passcode.
On your homepage, find your business account and click “Show my latest transactions.” In the small window that appears, click “View all my transactions.” This will display a full transaction list.
Look for an option to download or print. Barclays provides a “Download all PDF” button above the transactions list – click this to download your statement as a PDF. (If you prefer a data export, use the Export feature to download CSV as needed.)
Your Barclays statements (PDFs) should now save to your computer. You can find them under ‘My Barclays Documents’ in online banking as well.
HSBC Business
Log in to HSBC Business Internet Banking.
Select your business account from the dashboard.
Click on “Previous Statements” (usually on the left menu) and choose the month or statement period you need.
The statement will display on screen. Scroll to the bottom and click “Print.” In the print dialog, select “Save as PDF” to download it.
HSBC Tip: HSBC typically provides up to 6 years of past statements online. Ensure you have Adobe Reader or a PDF viewer to open the downloaded file.
Lloyds Bank
Log in to Lloyds online banking for business.
From the accounts overview, click “View statement” for the account you need.
At the bottom of the statement page, choose “Download / Export”.
Lloyds lets you either download a PDF, export transactions (CSV), or even order a paper copy if needed. Select PDF to download the official statement.
Bank of Scotland
Log in to Bank of Scotland online business banking.
From the accounts overview, click “View statement” for the account you need.
At the bottom of the statement page, choose “Download / Export”.
Bank of Scotland lets you either download a PDF, export transactions (CSV), or even order a paper copy if needed. Select PDF to download the official statement.
NatWest Business
Log in to NatWest Online Business Banking.
In the left menu, click “Statements.” Then select “View, save and print PDF statements and certificates of interest (up to 7 years).”
Choose the relevant business account from the list, and you’ll see a list of available monthly statements.
Click on the statement you want and then hit “View statement.” Once it opens, click the “Download Statement (PDF)” button to save it.
NatWest allows download of statements going back several years in PDF form. Ensure you have pop-ups enabled, as statements may open in a new tab or window.
Royal Bank of Scotland (RBS)
Log in to RBS Digital Banking.
Click “Statements” on the left side menu.
Select “View statement PDFs and certificates of interest.”
Choose your account from the list, then select the date or statement period you want to download (e.g. last month or a custom range).
Your statement will display. Click “Download statement (PDF)” at the top left to save it. When prompted, choose to open or save the PDF file.
These steps for RBS are virtually identical to NatWest’s, since they share the banking platform. RBS also provides up to 7 years of past statements online.
Santander Business
Log in to Santander online banking.
Click on your business account to view details.
In the left menu, click “Statements & Documents.”
You’ll see a list of statements by date. Click “Go” next to the statement you wish to download. The statement will open (often as a PDF in a new window).
Use the download icon or save option in your PDF viewer to save the statement to your device.
If the statement opens in a viewer that doesn’t show a download button, you can also right-click and choose “Save as…” to save the PDF.
TSB Business
TSB delivers statements via the TSB mobile app and online banking “Inbox.” On TSB’s desktop online banking, the process is similar: go to your messages or documents section to find and download PDF statements. TSB provides monthly statements as PDF files, which you can then email or print as needed.
To download in the TSB Mobile Banking app:
Open the app and tap the profile icon (usually top-right).
Tap “Inbox.” You will see your recent documents and statements.
Find the statement you need (they’re labeled by month/year) and tap it.
Tap the download icon to save it to your phone or cloud storage. The file will be a PDF.
Metro Bank
Metro Bank business accounts come with online statements (and typically paper statements by mail as well). The online system is quite straightforward, with a prominent Download Statement button for the latest month.
Log in to Metro Bank business online banking.
Select the business account you want statements for.
At the top of the account page, there is usually a link to download your latest statement – click that to get the most recent PDF.
For older periods or custom ranges, use the “Search Transactions” feature by entering a date range, then click “Print Transactions.” This will generate a printable list – use the print dialog’s Save as PDF to download it.
Co-operative Bank (Co-op) Business
Log in to Co-operative Bank business online banking.
From the left menu, select “Statements”, then choose the account if prompted.
You will see a list of statement PDFs by date. Click on a statement number or date to open it.
Once open, click “Print” at the top of the statement view. In the print dialog, select “Save as PDF” to download it. (Or, if your browser shows a PDF toolbar, use the download button.)
Co-op’s platform may not have a direct “download” link, but using the print-to-PDF method achieves the same result. You’ll get an exact PDF copy of the statement.
Virgin Money (Clydesdale/Yorkshire Bank)
Virgin Money business accounts (formerly Clydesdale and Yorkshire Bank) provide statements via their Business Internet Banking:
Log in to Virgin Money Business Internet Banking.
On your account dashboard, look for quick links on the right side (or a Statements tab). There should be an option to “View/Download Statements.”
Select the account and statement period you need. Virgin’s system often delivers statements to a secure message inbox – if so, navigate to Secure Messages to find the PDF statement for the month.
Once you locate the statement, click to open it and then save the PDF to your device.
Note: Clydesdale and Yorkshire transitioned to Virgin Money’s platform, so older guides might refer to printing transactions. The current system should provide downloadable PDFs of monthly statements (check the Statements & Documents section after login).
Other UK Banks
Halifax Business: Halifax doesn’t offer business current accounts (only personal), but if you’re using a personal account for business, you can download statements via “View statement” on the account then choosing to export or print to PDF.
Ulster Bank (NI) – Similar to NatWest/RBS: log in, go to “Statements”, and download PDFs from the list of available statements.
AIB (NI/GB) or Bank of Ireland – These Irish banks operating in the UK have their own online portals; generally, look for a Statements section after logging in, then download the PDF for the desired month. (Bank of Ireland’s UK website allows you to request up-to-date statements under Services > Manage Statements, which then become available to download.)
Downloading statements from digital & challenger banks
Modern challenger banks and fintechs often make it even easier to get your statements, usually via their mobile apps (since many are app-first). Here’s how to handle statements with popular neobanks and business fintech accounts:
Starling Bank
Starling Bank provides in-app statements on demand:
Open the Starling app and go to the menu (tap the menu icon or your profile icon).
Tap “Statements & Documents.” Then select “Statement History.”
Choose the account and time period you need. You can pick a specific month or a custom date range.
Select the format: PDF (for a formal statement) or CSV for raw data.
The statement will generate and you can tap to download it. (On iOS, it might open a PDF preview – from there share or save to Files; on Android it saves to your Downloads.)
Starling also offers a web portal for business accounts. There, you can log in on a desktop, view your transactions, and download statements straight to your computer. The steps are similar: go to Statements and choose period and format, then download.
Monzo Business
Monzo Business accounts (accessible through the Monzo app) allow easy statement downloads:
In the Monzo app, tap “Home” on the bottom menu.
Tap the “Manage” button (to the right of your transaction feed) and select “Bank statements.”
Choose the date range you need – you can get the current year-to-date, last year, or custom ranges.
Select the format: PDF, CSV, or QIF. For most official purposes, choose PDF.
The statement will be prepared; you can then save or share it (Monzo will generate a PDF file you can email or download to your phone’s storage).
Monzo’s statements include all your transactions and the account details. They are considered original documents (no branch stamp needed) for things like mortgage applications. If you ever need an old statement and your account is closed, Monzo will have emailed you a final statement, secured with a password.
Revolut Business
Revolut Business users can download statements via the Revolut app or web dashboard:
In the Revolut app: Navigate to the account or wallet you want a statement for. Tap the “… (More)” menu and choose “Statements.” Select “Transaction Statement.” Then pick the date range you need and whether you want it signed/stamped (Revolut can provide digitally signed PDFs)
Tap “Generate” – the app will prepare a PDF (or CSV if selected) that you can save or share.
On Revolut web: Ensure you have permission to manage accounts (admin access). Go to the Accounts section, find the account and look for an option to download statements (typically under account options). You can usually choose format (PDF or Excel/CSV) and time frame.
Revolut allows downloading statements per currency account. If you have multiple currencies, generate a statement for each currency wallet as needed. For official uses, opt for the signed PDF option to get a stamped statement confirming its authenticity.
Tide
Tide is an e-money business account that primarily works via its mobile app (and a web interface):
On the Tide app: Tap your initials icon (top-left) to open the menu. Go to “Profile and Settings” > “Bank Account” > “Statements and documents.” Then select “Account Statements.” From here, you can choose “Custom date range” or a preset period.
Pick the date range (up to 6 months at a time, ending up to 3 days ago) and tap Download . The statement (PDF) will either download directly or be sent to your email via a secure link if it’s a large file.
Log in at web.tide.co. Select your account, then go to Account details > Statements. Choose the statement type (monthly or custom range) and download the file.
Tide also offers CSV exports of transactions if needed (via “Export transactions” in the app). For official statements, use the PDF statements which include your account details. Tide’s statements are accessible for each month, and you can get up to a 12-month span in one go via the custom range setting.
Wise (TransferWise) Business
Wise provides multi-currency account statements through its app and website:
On Wise app or web: Go to the Home screen and click on the currency account you need the statement for.
Click the “...options” menu and select “Statements and reports.”
Choose the type of statement – e.g., Account Statement (covering all transactions) or Statement of fees if needed.
Set the date range (Wise allows up to 365 days in one statement). If you need more than a year, you’ll have to download multiple files.
Confirm download: you may be asked to re-enter your password for security. The statement will download as a PDF by default (or CSV/Excel if you chose those formats).
On the Wise website, you can even select multiple currencies at once and download all statements together in a ZIP file.
Wise’s statements can be downloaded in PDF, CSV, Excel, and other formats. If you need an officially stamped statement, Wise allows adding a digital signature/stamp by ticking “Stamp and sign this document” before downloading.
Mettle
Mettle (NatWest’s business banking app) focuses on transaction exports:
Open the Mettle app and go to the Account tab.
Tap “Transactions and Statements.” Choose “Export transactions.”
Select which account or pot you want (Mettle lets you choose the main account or any savings spaces).
Choose the date range and any filters (you can filter by transaction type if needed).
Select the format to export: options include CSV, Excel, OFX, or even direct integration formats for Xero, QuickBooks, etc. Mettle currently doesn’t generate a branded PDF monthly statement, but the CSV/Excel exports contain all transactions.
Countingup
Countingup (which combines banking with accounting) provides statements through its app:
Ensure your Countingup app is updated to the latest version.
Tap the menu (top-left corner), then tap “Statement.”
You’ll see a list of monthly statements. To view or share a specific month, tap the share icon next to that month. This lets you save the PDF or send it via email.
For a custom period, go to the “Custom” tab and select a range up to 12 months. Generate the statement for that range and then download it.
If you need more than 12 months, you can download multiple files back-to-back (each up to a year).
Countingup’s statements are in PDF format and include your account details. They make it easy to get a year-to-date statement, which is handy for bookkeeping or accountants’ requests.
ANNA Money
ANNA operates via a chat-based app for many functions:
Open the ANNA app and simply type or select the option “Get an account statement.”
ANNA will ask you what period you need (e.g., a specific month or the full transaction history).
You can request any single month or your entire account history since opening the account. ANNA will then generate the statement.
Choose the format when prompted: PDF or CSV. ANNA’s statements are “accountant friendly” and available instantly in the app.
Once generated, the statement file can be opened and you can share it (email to yourself, save to cloud, etc., directly from your phone).
ANNA’s chat-oriented approach means you literally send a command to get what you need. The PDF statements include all the necessary info (and CSV if you need data for spreadsheets).
Allica Bank
Allica Bank, a newer SME-focused bank, offers statements via both their app and web banking:
In the Allica app: Tap “More” in the bottom right, then select “Statements.” You’ll see options to view recent statements or request statements for specific periods. Choose the account (if you have multiple) and then download the PDF or CSV for the period you need.
Online banking: After logging in, click “Statements” on the dashboard or top menu. A list of statements should be available to download in PDF or CSV formats. Select and save the files as needed.
Allica provides PDF statements that look like traditional bank statements (good for official documentation) and also allows CSV download if you want to analyze the data. Ensure you have the latest version of their app, as features like statements are regularly updated.
Other Challengers
Cashplus: Log in to the Cashplus Bank app or online portal. Navigate to the account and look for a Statements section. Cashplus lets you download monthly statements as PDFs (and you can request older statements via their support if something isn’t available online). The online banking site has a “view statements” option under account history.
Monese Business: Monese’s app will have a Statement option in the account menu – you can typically choose a month and download the PDF to your phone or send it via email.
Square Banking, PayPal Business, etc.: If you use alternative financial services for your business, they too offer statement downloads (usually found under Activity or Reports sections of their dashboards).
Sending or sharing your bank statement securely
Usually once you’ve got a bank statement, you’ll need to share it, sometimes with your accountant, loan provider, or another third party. Bank statements contain sensitive information, so it’s important to handle them securely when sharing.
If you need to email a bank statement, here are some tips to do it safely:
Send to trusted recipients only. Make sure you’re emailing the statement to a legitimate and trusted address. Avoid sending statements to generic or personal emails if possible.
Use a secure method if available. If the recipient has a secure document portal or encrypted email option, you should use that over standard email. Regular email is not always encrypted. For extra protection, you could encrypt the PDF with a password. When sending to lenders or financial platforms, they often have an upload feature on their website which is typically encrypted.
Combine multiple files in a zip folder. If you need to send several months of statements, it’s a good idea to compress them into a single .zip file before sending. This not only makes the email smaller but also ensures all files travel together. To do this on Windows, select all the statement files (PDFs), right-click and choose “Send to > Compressed (zipped) folder”. On Mac, right-click (or Ctrl-click) the files and choose “Compress X items”, which creates a zip file. You can then attach this .zip file to your email. The recipient will be able to extract the zip and get all the PDFs at once.
Double-check before sending. Ensure you’ve attached the correct file(s) and that you’re not accidentally sending anything else. It sounds obvious, but it’s easy to accidentally attach the wrong PDF if you have many similarly named files. Also, verify that the statement is for the correct account and period requested by the recipient to avoid back-and-forth emails.
If you need to transfer a statement to another computer or device (say, from your laptop to a USB drive), be mindful of not leaving unencrypted copies lying around. Treat the security of your e-statements with the same care you would a paper statement or any private financial document.
Open Banking, a fast alternative to manual statements
Downloading and sending PDFs is one way to share your financial information, but the UK now has a more streamlined option available: Open Banking. Open Banking technology allows you to securely connect your bank account to trusted third-party services. Instead of you manually downloading a bank statement and forwarding it, you can authorise a platform to fetch read-only transaction data on your behalf. This can be a huge time-saver for busy business owners.
For example, many lenders and finance platforms (like Capitalise) use Open Banking to retrieve your recent transactions instantly (only with your permission), which skips the manual process of uploading bank statements. With a secure Open Banking connection, you can share your business bank account data in seconds, no PDFs or printing required. The data is transferred over encrypted channels directly from your bank, so it’s very safe and cannot be altered en route.
When applying for finance or using a financial management tool, you might see an option to “Connect your bank account”. By choosing this, you’ll be guided to your bank’s login page to authorise a read-only data request. Once you approve, the service (through regulated providers like Plaid or TrueLayer) can pull the transactions and balances from your statements. The third-party never sees your login credentials – those stay between you and your bank. The access is also time-limited and can be revoked by you at any time.
If you want to know more about open banking, you can read our article what is Open Banking and why is it safe for small businesses?
Accessing bank statements when you need them is an important part of managing your business finances. Whether you're tracking income and expenses, preparing for a loan application, or keeping your books clean and transparent for HMRC. Once you know how to access them, you’ve got everything you need to stay on top of your financial health.
And if you have surplus of funds in your account that you’re not using immediately, it’s worth considering a business savings account to make your money work a little harder. Check out our guide to the best Business Savings Accounts in the UK to compare interest rates, account types, access terms, and more.
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