Japanese bank statements from MUFG, SMBC, Mizuho and Japan Post: layouts, as far as the banks publish them

Published 19 October 2026 · by Tekiba

What each bank publishes

From the pages and illustrations linked below. The screens are examples, not the files themselves, except Japan Post's CSV and SMBC's printed statement.

MUFG Bank

MUFG's online banking help says of the download: “指定した口座・期間の入出金明細をCSV形式でダウンロードできます（パソコンのみ）。” (you can download the transactions for a chosen account and period as CSV, on a computer only). It allows 200 rows for all transactions, money in or money out. The same page says Eco passbook users can apply for a transaction history going back further: “最長10年分の過去明細を無料で確認できます（PDFファイル）。” (up to ten years of past transactions, free, as a PDF file). MUFG publishes no sample of that PDF's layout, so we cannot say what its columns are.

The screen illustration has separate columns for money out (お支払い) and money in (お預かり), a month and day without the year, and amounts such as 300,000円.

SMBC

SMBC's help offers a CSV and describes how it is written: “照会結果は西暦表示、画面に表示されている明細の順で表示されます。画面に表示されている内容をそのまま出力する仕様のため、お引出し欄の「－」も出力されます。” (dates are in the Western calendar, rows come in the order shown on screen, and because the file reproduces the screen, the dash in the withdrawals column is written too). The page then shows how to delete that dash with find and replace. The rows can therefore be newest first, and a withdrawal carries a full-width dash that a spreadsheet will not read as a number until it is removed.

SMBC also shows a printed statement. Its columns are 日付・お取扱内容・お引き出し・お預け入れ・残高; each month starts with a heading such as 2025年2月, and the rows under it give only the month and day, 2月17日. Amounts are written 179 円 with a plus or minus mark after them.

Mizuho Bank

Mizuho's help page is the only one of the four that names a PDF for ordinary statements: “取引明細はPDF形式やCSV形式（パソコンのみ）でダウンロードできます。” (statements can be downloaded as PDF or as CSV, the CSV on a computer only). It publishes no sample of either file. It also says of its digital passbook: “みずほダイレクト通帳には、お取引明細ごとの残高を確認する機能はございません。” (the digital passbook cannot show the balance after each transaction). A statement with no running balance cannot be checked row by row, only in total.

The phone screen illustrated shows the full date, 2024年10月2日, and signed amounts such as ＋100円, with the balance under each one.

Japan Post Bank

Japan Post Bank offers a CSV and no statement PDF that we could find; the screen can be printed. Its help page publishes the only sample of an actual downloaded file among the four, and explains it: “CSVファイルに出力する明細の順番は日付の古いものから順に出力されます。” (rows are written oldest first), and “※個別ダウンロードのファイルは3,000明細ごとに1つ生成されます。” (one file is made for every 3,000 rows).

The sample opens with a block about the account — balance, the time of output and the period, the last two in the Japanese era (平成27年, that is, 2015) — and then the table. Each date is eight digits, 20150901; money in and money out are separate columns; amounts are whole numbers with no comma and no sign. The on-screen list writes the date in a short form, 4-10-03, beside a period given in the Japanese era (令和6年8月1日 onwards).

What LedgerDrop does with these forms

The layouts LedgerDrop is tested on, listed on the formats page, include no Japanese bank. We tried the forms shown above against its reader on 19 October 2026, on test pages made for the purpose:

• Amounts: LedgerDrop counts a number as money only if it has two decimal places or a currency sign such as ¥ in front. 300,000円, 179 円 and 50000 have neither, so no row is found — even after you name the columns by hand. ¥300,000 is read.
• Dates: 2024/04/01 is read. 2月17日, 2024年10月2日, an era date with a letter such as R6.08.01, and 20150901 are not.
• Short era dates read wrongly: 4-10-03 looks to the reader like a day, a month and a two-digit year, and comes out as a date in 2003. The amounts are unaffected, so the balance check cannot catch it.
• Headings: LedgerDrop knows English headings only. Japanese ones are not recognised, and you would name the columns under “Columns and date format”.

So a Japanese statement is far more likely to give no table than a wrong one; the exception is the short era date. If you try one anyway, compare the years in the Date column with the statement's period before using anything.

Turning a Japanese statement into a table

1. Start from the CSV if it covers the period. It comes from the bank's own records, needs no reading of a page layout, and all four banks offer one. Note the limits above: MUFG's 200 rows, Japan Post's 3,000 per file.
2. Check the order. SMBC writes rows in the order shown on screen, which can be newest first; Japan Post writes oldest first. Sort by date before anything that runs a balance.
3. Make the amounts numbers. Remove 円, commas and SMBC's full-width dash; keep money out and money in as two columns or turn them into one signed column.
4. Make the dates one form. Eight-digit dates and era dates both need converting. Year first with hyphens, 2015-09-01, is the form LedgerDrop's own CSV uses and cannot be mistaken for day first or month first.
5. Check the characters. None of the pages read says which character encoding the CSV uses. If Japanese descriptions come out garbled, change the encoding as you open it; clean up a bank statement CSV before you import it shows how.
6. Check the total. Opening balance plus every row should reach the closing balance. Mizuho's digital passbook prints no running balance, so there only the total can be checked.

For freee's import format, see bank statement CSV upload format for freee; for how statements are used in a tax return, bank statements for a Japanese tax return.

What this page cannot tell you

The layout of MUFG's and Mizuho's downloadable PDFs, which neither bank shows; the CSV column names of MUFG, SMBC and Mizuho; and which character encoding any of the four uses. Banks change their screens, and the illustrations are examples. Other Japanese banks are not covered.

Questions