Fio banka: exporting your statement and the most common trap (2026)

Why does the period matter?

This is the trap. Choosing "last three months" from today gives you, say, 2 June to 2 September. Rent for June and for September both land in the same file, while another monthly payment appears once.

The average from such a statement is wrong and cannot be fixed except by exporting again. Choose whole calendar months, first day to last.

How do I verify the statement is complete?

Check	How
Balances match	opening + sum of movements = closing
Period is whole	first to last day of the month
One currency	export foreign-currency accounts separately
No duplicates	the same month must not appear in two files

What does a statement show that the app does not?

The bank app shows movements. A statement shows patterns. The same amount every month at the same time is a commitment, even if nobody called it that. Scrolling on a phone you never see it, because you only ever see one screen.

Is it safe to upload a statement anywhere?

It depends where. The file contains counterparty names and amounts, so it deserves the same care as a paper statement. Processing that happens entirely in your browser is safe — the file never leaves the device. Ask about that before uploading anything.

VESTELON FLOW reads CSV, OFX, MT940 and CAMT.053 in your browser and immediately checks whether opening balance plus movements equals closing. When it does not, it says so — instead of showing a convincing average built on incomplete data.