Once your M&S Bank statement is uploaded, what you get back depends on which export format you actually need next. What matters after extraction is whether the file lands in the tool you actually work in, not in a locked format you then have to reshape. The export panel gives you three clean targets: Excel for review or pivot work, CSV for system imports, and QBO for direct ledger posting. Choose the format that matches your next step, and download a file with columns already named and ordered the way your reconciliation workflow expects. There is no intermediate XBRL wrapper, no bank-proprietary viewer, no CSV with a comment row you must strip before import: the file is ready to post the moment it leaves the converter.
Whichever order your M&S Bank statement prints its columns in, each one still has to land in the right place once it reaches a spreadsheet. The engine maps columns automatically, pulling the date, description, debit, credit and running balance into labelled fields. When you pick a different export template, that mapping shifts to match the destination's required column order and header names: the same extracted data repopulates the new layout without re-extraction. Double-check the mapping in the column preview before you export, rename a header if your ERP expects "Transaction Date" instead of "Date", and the export respects that custom name. Every row carries the verified running balance, so the column you map into your reconciliation step is already the one the statement's own printed closing figure confirmed.