Which statement export to use for the 1% declaration

A declared figure is a claim that a particular set of receipts is complete. Without a running balance there is nothing in the file that could ever contradict that claim — the rows add up to whatever they add up to, and a missing payment simply lowers the total.

With a running balance the file checks itself. Each row must move the balance by exactly its own amount, and the last balance must match the closing figure. Drop one transaction and the chain breaks at that row and stays broken for every row after it.

That is why the export you choose matters more than which bank you use. Two files from the same account, covering the same month, can differ in whether the number you file can be verified at all.

Payoneer offers an export button above the transactions table and, separately, a monthly statement generated per currency balance. They produce different files.

The export button gives a filtered transaction list with no running balance. It is the one most people reach for, and a total taken from it cannot be proved complete.

The monthly statement is the one to use: Transactions → pick the currency balance → generate the statement for the month. It carries the running balance, so the figures in it can be checked.

OnePercent does not read PayPal or Stripe exports. Recognising one and refusing it is deliberate: both are accepted at the upload step only so the app can tell you what the file is instead of letting another parser guess at it.

The reason is the running balance. PayPal statements print no running balance column at all — a property of the file, not a mistake by whoever downloaded it, and re-downloading produces the same thing. Stripe balance reports are built around payouts and settlement rather than a single account ledger. Neither can be proved complete the way a bank statement can, and a figure this app cannot check is a figure it will not put on your declaration.

What to do instead: declare that income from the account the money finally lands in — the Georgian bank, Wise or Payoneer balance that receives the payout — and keep the PayPal or Stripe report as the fee evidence behind the gross-up. Where you have the choice, prefer being paid into an account that prints a balance.

Wise: Balances → choose the currency → Statement → download CSV. Do the same for every currency you were paid in; a Wise account with USD and EUR balances is two statements, not one.

Revolut: account → Statement → CSV. For Revolut Business, the file must keep its Balance column — that is what proves no rows are missing.

For both, download the CSV rather than the PDF. The CSV is the file with the columns intact; the PDF is a rendering of it, and turning a rendering back into columns is guesswork nobody should have to do.

Bank of Georgia: Accounts → Statement → Excel (.xlsx). BoG CSV is not usable — the export drops the structure the file needs. The mobile card statement PDF works when its text layer is intact.

TBC: Account → Statement → Excel (.xlsx), or a PDF exported from the TBC app. TBC CSV also works, unlike BoG’s.

For either bank, a photograph or a scanned print-out of a statement is not a statement. If the text cannot be selected in the PDF, the figures have to be read off an image, and that is a guess about your tax return.

Download from the source, not from a converter site. A file that has been through a third-party PDF-to-Excel service has already been re-interpreted once, and the re-interpretation is exactly the step that loses rows.

Export the whole month rather than a filtered view. Filters are how a payment quietly disappears from a total: the filter was reasonable, the missing row was not.

Keep the original file. The declaration is a claim you may need to substantiate for years, and the export you filed from is the shortest possible answer to how the figure was reached.