Personal accounts: the midata export
For a personal current account, Lloyds' answer is midata — a UK banking standard that hands you twelve months of transactions in a single CSV file, in a layout every participating bank uses.
- Log in to Internet Banking on a computer.
- Select More actions next to your current account.
- Expand Account services and choose Midata export.
- Read the notice, pick the account from the dropdown, and select Start download.
Twelve months in one click is unusually good for a UK high-street bank, and it is the route to take if you only do this once.
Business accounts: Export transactions (CSV, QIF)
- Select View statement next to the account.
- Open the Statement options box above the transactions.
- Choose Export transactions (CSV, QIF).
- Pick the format and the date range, then download.
The two limits that actually bite
The business export caps each file at 90 days and at 150 transactions. On an active account you will hit the 150 line long before the 90 days, which means several downloads for what feels like a short period — the file simply stops, without much of a warning.
Neither export lives in the Lloyds mobile app. Both are desktop-only, so a phone-only setup will get you PDF statements and nothing else.
If you just need the document rather than the data, PDF statements sit under your account's statement list and can be searched by date, amount or payment type before you download.
Two other UK banks worth comparing: Barclays, which exports CSV, OFX and QIF from one screen, and HSBC UK, which restricts you to a short rolling window.
Twelve months of transactions read in one pass is where the interesting stuff shows up: the subscription that survived a card renewal, the service billed twice under two slightly different merchant names, the price rise nobody emailed you about.
