The short answer
The Commonwealth Bank file has 4 columns, dates written as D/MM/YYYY and one signed amount column. The CSV written for Wave has the columns Date,Description,Amount. So the date is rewritten as MM/DD/YYYY, the amount is written as one signed number, and the text columns are moved as in the table below.
Free. The Commonwealth Bank profile is one of the 5 free profiles of the converter. The free version writes the first 25 converted rows of a file; the 9 USD one-time licence removes that limit.
The converter runs in your browser. Your file is not uploaded.
What the Commonwealth Bank CSV looks like
- Country: Australia.
- Account type: not stated by source (config file is named default).
- Header row: none. The first line is a transaction.
- Columns: 4, separated by commas.
- Date format: D/MM/YYYY, for example 4/03/2024 (the source writes it as j/m/Y).
- Amounts: one signed amount column. Evidence for the direction: it is inferred from the role the open-source importer gives the column; no sample row confirms it.
- Header text: the source gives column positions and meanings only, not the header names.
Note kept with this layout in the profile data: No header row, four columns. The day may have no leading zero; accept both. The source ignores the fourth column without naming it; it is treated as a balance to ignore.
What Wave accepts
- File type: CSV.
- Header row: not stated in the excerpts read; the converter writes one.
- Required columns: Date, Description, Amount.
- Amounts: Three or four columns: date, description, and the amount either all in one column or one column each for deposits and withdrawals. For credit card statements, purchases must be positive and payments negative.
- Dates: MM/DD/YYYY.
| Wave column | Required by Wave | Filled from the Commonwealth Bank file |
|---|---|---|
| Date | required | column 1 |
| Description | required | column 3 |
| Amount | required | column 2 |
From a web search excerpt of the vendor's help page (the page itself refuses automated reading; re-check it in a browser): "To import properly, your CSV file must have three or four columns: date, amount of the transaction (all in one column, or one column each for deposits and withdrawals), and description."
Column-by-column mapping
Every column of the Commonwealth Bank file, left to right, and where it ends up in the Wave file.
| Column | Header text | What it holds | Where it goes in the Wave file |
|---|---|---|---|
| 1 | not given by the source | Transaction date | Date, rewritten as MM/DD/YYYY |
| 2 | not given by the source | Amount, signed (negative is money out) | Amount, sign kept (money out is negative) |
| 3 | not given by the source | Description | Description |
| 4 | not given by the source | Running balance | Not copied |
Pitfalls for Commonwealth Bank to Wave
Dates
- The date must be reordered. The bank file is written day first, then month, then year (D/MM/YYYY, for example 4/03/2024). The Wave file is written month first, then day, then year (MM/DD/YYYY, for example 03/04/2024). This is the mistake that does not show: 4/03/2024 is 4 Mar in the bank file, and read the other way round it is 3 Apr. Days from 13 to 31 fail loudly, days from 1 to 12 swap silently.
- Wave on dates: MM/DD/YYYY. As stated by the vendor: the date column must be in MM/DD/YYYY format.
Amounts and their direction
- Both sides use one signed amount column where money out is negative, so the sign is kept as it is.
- Wave's own rule: Three or four columns: date, description, and the amount either all in one column or one column each for deposits and withdrawals. For credit card statements, purchases must be positive and payments negative.
- How sure the direction is: it is inferred from the role the open-source importer gives the column; no sample row confirms it. Compare two rows you recognise with the preview before importing; the converter has a switch that flips the sign of every amount.
Shape of the file
- The bank file has no header row: the first line is already a transaction. The Wave file starts with the header Date,Description,Amount.
Other Wave import rules
- Keep only the date, amount and description columns; delete any other columns.
- The description column can be empty, but if filled it must contain words, not only numbers.
- Remove special characters such as #, &, $ and * from the file.
- Files with more than 100 rows tend not to upload; split them into files of no more than 100 rows each.
Before and after: an invented example
Invented sample data. These four rows were made up for this page. They are not from a real Commonwealth Bank export and hold no real account, name or balance.
The source gives column positions only, so the headings below are the column number and what the column holds, not the bank's header text.
| 1: transaction date | 2: amount | 3: description | 4: running balance |
|---|---|---|---|
| 4/03/2024 | -4.50 | COFFEE CORNER MAIN ST | 995.50 |
| 5/03/2024 | 2500.00 | PAYROLL EXAMPLE CO | 3495.50 |
| 7/03/2024 | -1234.56 | RENT MARCH | 2260.94 |
| 11/03/2024 | 15.25 | REFUND EXAMPLE SHOP | 2276.19 |
| Date | Description | Amount |
|---|---|---|
| 03/04/2024 | COFFEE CORNER MAIN ST | -4.50 |
| 03/05/2024 | PAYROLL EXAMPLE CO | 2500.00 |
| 03/07/2024 | RENT MARCH | -1234.56 |
| 03/11/2024 | REFUND EXAMPLE SHOP | 15.25 |
Do it by hand in a spreadsheet, free
These steps need no tool from this site. The cell references follow the column positions of the profile above; if your spreadsheet uses semicolons between formula arguments, replace the commas.
- Open the Commonwealth Bank CSV in a spreadsheet program through its import dialog. Set the date column (column 1) to Text so the program does not reinterpret it, and leave the amount columns as numbers.
- The file has no header row: row 1 is already a transaction. Do not delete it.
- Date: rewrite column A from D/MM/YYYY to MM/DD/YYYY (4/03/2024 becomes 03/04/2024). This bank's dates do not have a fixed width, so a position formula is not reliable: split the column into its parts (Text to Columns, or the split function of your spreadsheet) and join them again in the new order.
- Amounts: column B is already signed the way Wave wants (money out negative). Copy it as it is.
- Text columns: fill Description (from column 3). Where several bank columns feed one column, join them with a separator such as " - ".
- Apply Wave's own rules from its help page: Keep only the date, amount and description columns; delete any other columns. The description column can be empty, but if filled it must contain words, not only numbers. Remove special characters such as #, &, $ and * from the file. Files with more than 100 rows tend not to upload; split them into files of no more than 100 rows each.
- Keep only the new columns, put the header row Date,Description,Amount on top, save the sheet as a comma-separated CSV, and compare the dates, the direction of the amounts and the number of rows with your statement in Wave's import preview.
Or use the converter
Load the file, choose the Commonwealth Bank profile in the bank list and the target Wave, read the preview, then download. The conversion runs locally in your browser: the file is not uploaded, and only the licence key is sent for unlocking.
Free. The Commonwealth Bank profile is one of the 5 free profiles of the converter. The free version writes the first 25 converted rows of a file; the 9 USD one-time licence removes that limit.
Where this layout comes from
No bank supplied or approved this layout. It was copied on 5 October 2026 from a public open-source importer file kept by volunteers: firefly-iii/import-configurations, file au/commonwealth-bank/default.json
The lines used from the source: "headers": false, "delimiter": "comma", "date": "j/m/Y", roles: date_transaction, amount, description, _ignore
The Wave rules come from the vendor's own help pages: support.waveapps.com/hc/en-us/articles/208621626-Upload-a-bank-or-credit-card-statement-in-csv-format (named as text, not linked), support.waveapps.com/hc/en-us/articles/208622596 (named as text, not linked). The official page refuses automated fetches (HTTP 403 or a script-only page), so the rules were read from web search excerpts of that same official URL on the checked date. Re-check in a browser before relying on a detail.
Bank formats change. Banks alter their CSV exports without notice and vendors change their import rules, so this mapping can be out of date. If the preview looks wrong, use the manual column mapper.
Related pages
Commonwealth Bank to other apps
The Commonwealth Bank guides for YNAB, QuickBooks Online and Xero, in the bank list