Question 1

What is the difference between ACH and recurring card payments?

Accepted Answer

ACH pulls funds directly from your bank account with lower fees, used for mortgages and utilities. Recurring card payments charge your credit/debit card, offering more protection and easier disputes but higher merchant fees.

Question 2

How do I find the statement date on my credit card?

Accepted Answer

The statement date (or closing date) is typically shown at the top of your credit card statement, often labeled as 'Statement Closing Date' or 'Billing Cycle End Date.' It's the last day of your billing period. You can also find it in your online account under statement details or by calling your card issuer.

Question 3

Can I dispute a charge for poor service?

Accepted Answer

Yes, for credit cards you can dispute charges for services not rendered as agreed, defective products, or if the merchant misrepresented the service. Document all communication and attempts to resolve with the merchant first.

Question 4

Why is my debit card declining when I have money?

Accepted Answer

Your debit card may decline even with funds due to: daily spending limits, card expiration, incorrect PIN entries, security holds or fraud alerts, pending transactions reducing available balance, technical issues with the merchant's system, or the card being damaged. Contact your bank to identify and resolve the specific issue.

Convert Santander Bank Statementsto Excel, CSV & JSON

Why Choose Us?

How to Convert Santander Bank Statements

Upload Statement

AI Processing

Download Results

Why Use Our Santander Bank Converter?

Secure Banking Conversion

AI Precision Engine

Instant Processing

Built for Professionals

Frequently Asked Questions

What is the difference between ACH and recurring card payments?

How do I find the statement date on my credit card?

Can I dispute a charge for poor service?

Why is my debit card declining when I have money?

Ready to Convert Your Santander Bank Statements?