bank statements

I need to give you my bank statements, but I only have online banking

When you apply for a mortgage, you will be asked by your lender for many different financial documents, before they fully begin with your application. When it comes to having to print and download your bank statement, most people seem to have a struggle with this. All your bank statements can be found on your online banking account.

How do I access my online bank statements?

Mostly, all online banking is done differently, so we will use some of the UKs top banks as our examples to helping you understand how to gain access to them.

  • Bank of Ireland
    • Once you have logged into your online banking, in the main menu, you will be able to select “statements”.
    • From this point, select “Statements and documents”.
    • From the drop-down list, select your account that you wish to use and select the statements that are required.
    • Once chosen, a new tab should then open in your browser.
    • When the new page has loaded, select “file” and then “print” from the toolbar in the browser, it will then open in a printed form.
    • To print this as a PDF, you will need to select “adobe PDF”. Once you have all that completed you are then able to file and save it to your chosen folder.
  • Bank of Scotland
    • When you are logged in and ready to begin, you need to select “statements” that should appear on the left side of your screen.
    • Next you should see the option of “View statement PDFs and certificates of interest”
    • Once you have chosen the above, select the account it is you are wanting to view and choose the term of period you need.
    • You will then have the option in the top left corner to “download statement PDF”
  • Barclays
    • Once you are logged in, you need to be on the main account page.
    • You will then see 4 different headings. Select the one that reads “statements”
    • At the top of the page, you will your 3 latest statements. You need to then click on the statements you want to view, and you will have two options of either to download or print. If you
    • want to keep of copy of your statement, then choose “download” otherwise, if you want to print your statement select “print”.
  • Co-operative
    • Firstly, you need to log into your online banking account
    • Select the “statements” option and choose what statements it is you are wanting to view
    • Once you have done this, you will have the options to either “download” or “print”
    • Right click on the statements you have chosen and save this document as a PDF.
  • Coutts
    • Once you are logged in, select “documents”
    • You will then need to select “document vault” and choose the statements you are needing to view.
    • Next, you’ll see that a “PDF” has appeared, and you can either download, view and/or print.
  • First direct
    • Login to your online banking and select “statements” and then choose “view statements”.
    • Select “print”, which is at the bottom of the page.
    • Enter the time period of what you are wanting to view and click “print” again
    • To print this as a PDF, you will need to select “adobe PDF”. Once you have all that completed you are then able to file and save it to your chosen folder.
  • Halifax
    • Login to your online banking account
    • Choose the account you are wanting to view and select ‘View statement’ your account homepage.
    • You’ll then see your current balance, available funds, and transaction history.
    • Search your statement history to see what statements you are needing.
    • You have the options to either export your statement, print it, or order a paper copy.
  • HSBC
    • Login and select which account it is you will be needing to view
    • From the left side of the screen, click “previous statements” and choose which months it is you will need.
    • Select “print” at the bottom of the page and save it as a “PDF”.
  • Lloyds
    • Once you are logged in, go to the left-hand side of the page and there will be a digital inbox for you to then click the envelope at the top of the menu.
    • From this point, you will see copies of your bank statements and have the option to download these as a “PDF”.
  • Metro bank
    • When logged into your online banking account, select which account it is you will be viewing your statements from.
    • To view the statements you need to see, click on “search transactions” to choose your time period of your transactions.
    • Once your dates have been chosen, select “print transactions”.
    • To print this as a PDF, you will need to select “adobe PDF”. Once you have all that completed you are then able to file and save it to your chosen folder.
  • Nationwide
    • View your accounts, once you have logged in
    • Select which account it is you will be viewing your statements from
    • From the left-side of the page, click “statement archive”
    • Choose what dates you are needing to view and then press “download”
  • NatWest
    • When logged in on your online banking account, select “statements”
    • Under the heading of “your account”, you need to select “view, save and print PDF”
    • Choose the account you will be using, click “next” and choose what time period you will need to be viewing.
    • Select “view statements” and then “download statement PDF”
  • RBS
    • Once you are logged into your account, click “statements”
    • Under the heading of “your accounts”, click “view, save and print PDF”
    • Choose the account you will be using, click “next” and choose what time period you will need to be viewing.
    • Select “view statements” and then “download statement PDF”
  • Santander
    • Firstly, login to your online banking account
    • Select which account it is you will be viewing your statements from and from the menu on the left click on “e-documents”
    • Select the dates of the statements you need to download
    • A PDF document will then appear, giving you the choice to download it to a folder
  • Tesco bank
    • When logged into your account, select which account it is you will be viewing your statements from.
    • First, choose “manage accounts” then select “view your statements”
    • Click on the statements you wish to view and once chosen click “download”, so it will be transferred to your computer
  • TSB
    • Login to your account and click “print”
    • This will then open a new tab and will have you to click “print” again
    • To print this as a PDF, you will need to select “adobe PDF”.
  • Yorkshire bank
    • Once logged in, on the right-hand side of your screen, select “your account”
    • Next you should click on “view and download statements”.
    • You can either select choose to “print” or “download statement”, which will show at the bottom of the screen
    • You will then be able to print or save it as PDF

Why do I need to provide my bank statements?

Your mortgage lender will need your bank statements, to verify that you will have enough income to be able to pay your monthly payments and that you have enough in your account to cover a down payment.

Proof of deposit

This is the amount of money that a buyer saves in order to help them fund the purchase of a home. Usually, the amount is given as a percentage of the total price of what the home is bought for. The mortgage lender and the solicitor will want to see proof of deposit on account. Your lender and solicitor will also check your bank statements, to ensure that your savings can be evidenced.

Source of funds

This is where the mortgage company and your solicitor asses your statements and are able to see where the money has come from – such as your normal income or of a family member.

Seasoned

This means that the money in your account has been in there for an amount of time and they can verify the money trail. This can be anywhere form3 months to 12 months as an example and with money coming in, if it is coming from another account, they may wish to see the statements of that account to verify the source.