I have been attempting to obtain my own transaction data from 2015 in a digital format (such as CSV/CAMT/MT940) that can be easily processed for my accounting software. However, this has proven to be quite challenging.

While I am able to download MT940 or CAMT files, they only go back 18 months from the current date, with no option to access older data. Even with the new PSD2 regulation, it is unfortunate that I cannot retrieve data older than 18 months.

After contacting customer service, the only option they provided was scanned PDFs of the original bank statements. However, these PDFs are not easily processable as they are just photos of bank statements in PDF format, and they also lack important information required for an MT940 to be valid.

It seems clear that my data must be stored somewhere in the bank’s system for reporting, fraud detection, and analytics purposes. So, why is it not accessible to me?