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Default Comma delimited bank info

Excel 2000 Sp 2, Windows 5.1 Sp2
If I download my bank statement as a comma delimited file I get a *.csv
file with each comma delimited field placed in a separate field: Date,
Description, Withdrawal, Deposit, Balance, which is exactly as I
require it. However, I usually work in a foreign language Windows and
Excel and there instead of the separate fields I get one field with all
the infomation including the commas. My guess is that I'm missing a
converter or haven't checked an option that's needed. Can someone
be kind enough to guide me to the settings I need? Thanks.

 
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