tiliotteita

In Finland, the term tiliotteita (plural) refers to bank statements, which are official records issued by banks detailing transactions on a bank account over a defined period. They document inflows and outflows, helping account holders verify activity and reconcile records.

A typical tiliotteita includes the account holder’s name or IBAN, the statement period, and a list of transactions sorted by date. Each entry shows the date, description or merchant reference, debit or credit amount, and the running balance. The statement may also display the opening balance, closing balance, and any fees or interest charges.

Uses of tiliotteita include reconciliation with personal or business books, preparation of financial statements and tax declarations, proof of funds for various applications, and dispute resolution over incorrect charges. They can be delivered on paper or electronically via online banking; electronic statements are typically downloadable and can be exported to accounting software.

Regulatory and security notes: banks retain statements to meet regulatory requirements; individuals should handle statements securely due to the presence of sensitive financial information. In Finland and the EU, electronic delivery has become standard, with online access providing a long-term archive and convenient retrieval for audits or tax purposes.