csv2mt940

Convert TopCard Service Switzerland credit-card CSV to MT940 for double-entry accounting and personal finance tools such as Banana Accounting (CH) and StarMoney (import).

• Pure Python 3 (no extra packages required)
• macOS / Linux / Windows compatible
• StarMoney-optimized profile writes SEPA keys in :86: (EREF+, SVWZ+, optional PURP+) and standard :61 codes (e.g., NTRF)

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Quick Start (macOS)

# 1) Make sure Python 3 is installed
python3 --version

# 2) Clone the repository
git clone https://github.com/worryboy/csv2mt940.git
cd csv2mt940

# 3) Run conversion (StarMoney import optimized)
python3 csv2mt940.py -p starmoney input.csv output.sta

Optional setup on macOS:

# Install Homebrew (if not already installed): https://brew.sh
brew install python

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Usage

python3 csv2mt940.py [OPTIONS] input.csv output.sta

Important: -p/--profile and -d/--debug cannot be used together.
Choose either a profile or debug mode.

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Main options

Short	Long form	Description
-p	--profile	Output profile: starmoney, plain
-d	--debug	Debug table output
	--encoding	CSV encoding (default: iso-8859-1)
	--delimiter	CSV delimiter (default: ;)
	--limit N	Process only first N rows
	--ttype CODE	Transaction type in :61 (default: NTRF in starmoney mode)
	--eref VALUE	EREF+ value for :86: (default: NONREF)
	--purp CODE	Optional PURP+ code for :86:
	--suppress-balances	Skip writing :60F/:62F balances

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Examples

1) StarMoney import (recommended)

python3 csv2mt940.py -p starmoney input.csv output.sta

2) Plain MT940 (generic)

python3 csv2mt940.py -p plain input.csv output.sta

3) Debug mode

python3 csv2mt940.py -d input.csv output.sta

4) Only first 10 transactions

python3 csv2mt940.py -p starmoney --limit 10 input.csv output.sta

5) UTF-8 CSV, custom type and EREF

python3 csv2mt940.py -p starmoney --encoding utf-8 --ttype NMSC --eref E2E123 input.csv output.sta

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CSV assumptions (TopCard CH)

Expected columns (0-based):

• [1] account number
• [3] value date (DD.MM.YYYY)
• [4] comment / purpose text
• [5] tags (comma-separated)
• [7] currency (EUR, CHF …)
• [10] amount debit/credit
• [11] alternate amount (used if col 10 empty)
• [12] booking date (DD.MM.YYYY)

Other notes:

• First 2 header rows are skipped automatically
• Footer lines starting with ;;;;Total are ignored
• Either col 10 or col 11 must contain the amount

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Notes for StarMoney

• :86: contains SEPA keys so StarMoney can parse fields cleanly:
  • EREF+ → End-to-End reference
  • SVWZ+ → Purpose / comment text
  • PURP+ → Optional SEPA purpose code
• :61 uses standard SWIFT codes (default NTRF, can be changed with --ttype)
• Comma , is used as decimal separator (required by MT940 spec)
• Balances (:60F/:62F) are optional and can be suppressed with --suppress-balances
• Best results in StarMoney 14+ with -p starmoney profile

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Git workflow (master branch)

Clone once:

git clone https://github.com/worryboy/csv2mt940.git
cd csv2mt940

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License

GNU GENERAL PUBLIC LICENSE
Version 3, 29 June 2007

See the LICENSE file for full details.