diff --git a/app/models/bank_statement.rb b/app/models/bank_statement.rb
index 942ae3907..e1d582f90 100644
--- a/app/models/bank_statement.rb
+++ b/app/models/bank_statement.rb
@@ -25,10 +25,16 @@ class BankStatement < ApplicationRecord
       bank_transactions.build(bt_params)
     end
 
+    prepare_dir
     self.import_file_path = "#{ENV['bank_statement_import_dir']}/#{Time.zone.now.to_formatted_s(:number)}.txt"
     File.open(import_file_path, 'w') { |f| f.write(th6_file.open.read) }
   end
 
+  def prepare_dir
+    dirname = ENV['bank_statement_import_dir']
+    FileUtils.mkdir_p(dirname) unless File.directory?(dirname)
+  end
+
   def parse_th6_row(row)
     return parse_th6_header(row) if row[4, 3].strip == '000'
     return if row[4, 3].strip == '999' # skip footer