When exporting bank statements in MT940, I've noticed a difference between the payment date and the 'interest date'. I've no idea what interest date means. But the result is that payments are registered in our booking system (yuki) on the interest date. This results yet again in payments being booked at a different date as the actual invoice. Does anyone know a solution?
Interest date vs payment date in MT940?
JakobProdigy
@Christiaan-uijthoven#217138 You should find the same payment and interest date also in the PDF exports. As most of the bunq cards are credit cards, everything you buy with them is only really invoiced on the 1st of every month. So let's say you have 1000 Euros on your account, and you buy something for 800 Euros on the 3rd of that month with a bunq credit card, you will still get interest for the full 1000 Euros for the whole month. Your account balance will only show 200 Euros in the bunq app, because you only have 200 Euros left to spend, but until the 1st of the next month you technically still own the full 1000 Euros. That's why the payment date would be different from the interest date.
As for why the booking system handles the import like that, that's something you'd have to ask them I guess. As MT940 files are simple text, you can probably also write a small shell-script or something similar that removes the interest date information completely.
@Jakob-Y#217139 Thanks I will ask!