> Have you considered creating  the pivot table  directly, using
multiple data  ranges (your bank account data sheets)? Depending on the
layout of your data, it may not be necessary to combine the data
before creating the pivot  table.

Quite a lot needs to be done in reorganising the data. For example
some of the bank statements  contain credits and debits in separate
columns, others have one column with positive and negative values.
I'd need among other things to consolidate these into a single
transactions column. There are a bunch of other things like that
which need doing also.