Bank Statement là gì? Hướng dẫn cách lấy Bank Statement một cách chính xác

Muốn hiểu rõ về nguồn tài chính cá nhân và duy trì sự cân đối, Bank Statement là lựa chọn tốt nhất. Điều này giúp bạn kiểm soát chi tiêu hiệu quả và tự quản lý tài chính một cách tích cực. Vậy Bank Statement là gì? Làm thế nào để lấy Bank Statement? Hãy cùng Mytour khám phá chi tiết trong bài viết này.

Bank Statement là gì?

Khái niệm Bank Statement là gì?

Mục đích của Bank Statement

Bank Statement là công cụ sử dụng để kiểm tra và quản lý tài chính thông qua việc so sánh với giao dịch ngân hàng. Điều này giúp phòng tránh rủi ro và gian lận. Khi Bank Statement đã được sao kê và cung cấp cho khách hàng, thông tin không thể thay đổi. Tuy nhiên, nếu có sai sót, chúng sẽ được chỉnh sửa trong báo cáo tiếp theo, kèm theo giấy tờ minh chứng nguyên nhân.

Learn more:

• What is a bank employee? Salary & hottest positions
• What is a bank transaction officer? Roles, tasks, and salary
• What is a debt collector? Detailed information about the position
• What is risk management? Planning and building risk management processes

Structure of a bank statement

Below is the basic structure of a Bank Statement:

• Account activities: transactions carried out during the statement period in chronological order, such as transfers, withdrawals, and purchases.
• Account balance: The amount in the account on the statement date
• Account number: Provided by the bank
• Account summary: General information about the account, including transferred amounts, withdrawals, beginning and ending balances, and fees.
• Report date: At the document's beginning, it is the statement period's end date.
• Total fees: Fees accrued during the statement period applied to the account.
• Transaction date: Date of service performed in the account.
• Name and contact information: Must be accurate and clear.

What forms does a Bank Statement come in?

• Online Bank Statement

This is the method of bank statement for those who have used Internet Banking. You can quickly and accurately control every transaction by performing account statements at home.

• Direct Bank Statement

This is a method that must go through the bank where you have your account registered. The bank will send a certified copy of the statement to you, ensuring legal validity and authenticity. Therefore, if there are any errors in your account, you can use this document for comparison and complaints.

What are the benefits of Bank Statement?

• For individuals

Users can understand Bank Statement by tracking detailed bank transactions, expenses, fees, and monthly advances. From there, control spending habits, financial sources, and detect errors or risks in the account balance.

To ensure reconciliation with the bank statement, owners should regularly verify their accounts. Therefore, if any differences are found in the transaction history with the Bank Statement, they should contact the bank for quick resolution.

• For banks

To timely detect and prevent illegal activities, banks need to understand all customer transactions. This makes it easier to investigate unusual transactions and promptly address any loopholes for users.

A useful tip is to keep bank statements before discarding them for about a year. This can be used as evidence to verify personal income or help verify deductible expenses on tax returns.

How to get a precise Bank Statement

Obtaining directly at the bank

When you visit the branch, you need to prepare complete personal documents and provide accurate and detailed information to the transaction officer.

The bank will send a free periodic statement copy every month upon successful request. However, you need to request the printing of the Bank Statement for the bank to proceed. Moreover, you have to pay fees for multiple statement prints in a month. Depending on each bank's regulations, the fee may vary.

You should carefully check the information to avoid risks, such as names, account numbers, service payment fees, and expenses. Pay attention to the bank's closed round seal, as it will have legal significance and can be used for complaints.

Internet Banking and Mobile Banking

First, you need to register for online banking.

Execution method

• Step 1: Access Mobile Banking or Internet Banking => Log in.
• Step 2: Select the bank account you need a statement for => Choose the detailed time period.
• Step 3: To understand the information needed for this transaction detail.
• Step 4: Proceed to execute the statement print you want.

At the ATM

This is the least optimal method and therefore the least common. Because ATMs can only print recent transactions or a maximum of the last 10 transactions. However, if urgent circumstances prevent you from using the above methods, you can follow these steps:

• Step 1: At the ATM card acceptance slot, insert your bank card.
• Step 2: Select transaction language and enter your PIN code.
• Step 3: Choose “Account inquiry/Statement print”

Statement printing fees at some current banks

Depending on policies and time frames, each bank will have different statement printing fees. Therefore, the fees also depend on the service you want to perform. For example, the statement printing fee at Vietcombank depends on:

• Statements generated within one year from the request date
• Multiple or monthly statement prints
• Time requirements: daily, weekly (times/week), and monthly (times/month)

For Techcombank, the factors affecting statement printing fees include:

• Printing fee for the first Vietnamese statement is 50,000 VND, and for each subsequent copy, the fee is 10,000 VND.
• Printing fee for the first English statement is 100,000 VND, and for each subsequent copy, the fee is 50,000 VND.
• When printing statements from the ATM, online Bank Statement is free at 1,100 VND/hour

On the other hand, commercial banks also charge other fees such as home delivery fee, unforeseen fee,… Some banks waive all statement printing fees for VIP customers.

What should you pay attention to when going for bank statement printing?

Những điều cần chú ý khi thực hiện sao kê ngân hàng:

• Sao kê ngân hàng đóng vai trò quan trọng đối với cá nhân và doanh nghiệp, vì vậy họ cần phải hiểu rõ về sao kê ngân hàng.
• Quá trình sao kê cho phép theo dõi toàn diện và chính xác mọi chi phí cũng như thông tin vào và ra từ tài khoản. Điều này giúp dễ dàng sắp xếp và quản lý chi phí tài khoản của họ.
• Khi đến ngân hàng sao kê trực tiếp, nên mang theo các giấy tờ pháp lý.
• Để quản lý tài chính tốt, mỗi tháng nên thực hiện sao kê định kỳ một lần.
• Việc lấy sao kê ngân hàng giúp dễ dàng giải quyết các vấn đề pháp lý liên quan đến tài khoản.