Bank Statement to Excel Converter: PDF to XLSX and CSV, Checked to the Cent
Turn a PDF bank statement into a spreadsheet your accountant, tax office or loan application can use. Every transaction is read into date, description, money out, money in and balance columns, and every running balance is recalculated to make sure nothing was misread. The statement is read in your browser and never uploaded.
How it reads a statement
- Columns are found from the table's headings in English, French, Spanish, German or Arabic, or, without headings, from where the amounts line up.
- Numbers in every common format: 1,234.56, 1 234,56, 1.234,56, (1,234.56), 1,234.56 CR, with or without a currency.
- Dates day-first or month-first, decided from the whole statement, plus written months (3 Feb 2026, 03 févr. 2026).
- Descriptions that wrap over two or three lines are joined back into one cell.
Ready for QuickBooks, Xero and Quicken
Besides Excel and CSV, the same conversion downloads as a QBO file for QuickBooks, an OFX file for Xero, Sage, FreeAgent and most other accounting software, a QFX file for Quicken or a QIF file for older programs. The CSV can also be laid out the way QuickBooks Online or Xero's statement import expects. Every row carries a stable id, so importing the same statement twice does not double it.
Categories, monthly totals and overlaps
- Categories are suggested for every transaction, from rules that run in your browser. Change one and every row from that payee follows, and the choice is remembered on this device.
- The Excel file adds Monthly, Categories and Recurring sheets: money in and out per month, the lowest balance, totals per category, and the payments and income that come back each month.
- Overlapping statements are spotted: a row two statements both print is counted once, and a closing balance that does not match the next opening balance is flagged as a possible missing statement.
- Credit card statements are read with purchases as money out and the amount owed as a negative balance.
Why the balance check matters
A converter that misreads one figure hands you a spreadsheet that looks right and is wrong. This one recalculates each running balance from the one before it. Rows that do not add up are shown in red, in the preview and in the Excel file, so you fix them before anyone relies on the numbers.
Scanned statements, a document check and a report for lenders
- Scanned or photographed statements are read by text recognition, in your browser like everything else, and then put through the same balance check, so a misread figure shows up instead of slipping into the sheet.
- The document check looks at how the PDF was made and changed: the program that produced it, whether it was saved again after it was made, figures set in a different font from the rest of their column, and text placed over other text.
- The analysis report puts the check together with average monthly income and spending, the lowest balance, large deposits, returned payments and fees, as a PDF in English or Arabic, ready for a lender, a landlord or a visa application.
How to convert a bank statement to Excel
Step 1: Add the statements
Drop one PDF or several months at once. If a statement is locked, type its password when asked; it opens the file in this tab and goes nowhere else.
Step 2: Preview & Convert for free
Every transaction is read into date, description, money out, money in and balance, and each running balance is recalculated. A row that does not add up is marked red.
Step 3: Fix and categorise
Correct a misread figure, remove a line that is not a transaction and change any suggested category. Other rows from the same payee follow your change.
Step 4: Download the format you need
Choose Excel, a CSV in its own, QuickBooks Online or Xero layout, or a QBO, OFX, QFX or QIF file for accounting software.
When to use the bank statement converter
- Filling a gap in your accounting software
- Import the months before the bank feed was connected, or a period the feed missed, into QuickBooks, Xero or Quicken.
- Finding subscriptions you forgot
- The Recurring sheet lists payments that come back every month, so a forgotten subscription or a price rise stands out.
- Looking for one payment in a year of statements
- Search or filter twelve months in one sheet instead of scrolling through twelve PDFs, for a refund claim, a dispute or a warranty.
- Keeping a household budget
- The Monthly sheet shows money in, money out and the lowest balance for each month, ready to compare or chart.
- Proving income to a lender or landlord
- The analysis report puts average income, large deposits and the document check in one PDF to send with the original statements.
Common mistakes
Copying and pasting from the PDF
Pasted columns slide out of line and a description that wraps becomes two rows. A converter that joins wrapped lines and checks the balances saves the clean-up.
Downloading with a red row still in the table
A row that does not add up usually means a misread figure or a missing line, and every total built on it inherits the error. Fix it in the preview first.
Converting overlapping statements one at a time
Two statements that share a few days give duplicate rows when converted separately. Add them together so the overlap is counted once.
Taking the suggested categories as final
Categories come from rules and are a starting point. Check them before the totals go on a tax return, especially transfers between your own accounts, which are neither income nor spending.
Bank Statement to Excel Converter compared with other ways to convert a statement
| Bank Statement to Excel Converter | Online converter sites | Copy and paste | Your bank's CSV export | |
|---|---|---|---|---|
| Where your statement goes | Stays in your browser | Uploaded to the site's server | Stays with you | Downloaded from your bank |
| Old statements | Any PDF statement | Any PDF statement | Any PDF statement | Often only recent months |
| Balance check | Every running balance recalculated | Varies | None | Not needed, the data comes from the bank |
| Scanned statements | Text recognition in your browser | Some, on their server | Not possible | Not applicable |
| Accounting formats | Excel, CSV, QBO, OFX, QFX and QIF | Varies, often Excel and CSV | Whatever you build | Usually CSV, sometimes OFX or QFX |
| Cost | Pay per page with tokens, preview free | Free with limits, or a subscription | Free, but takes your time | Free |
Frequently asked questions
How do I convert a PDF bank statement to Excel?
Drop the PDF statement on the tool and press Preview & Convert. The transactions appear in a table you can check and correct, and Download gives you an Excel (XLSX) or CSV file with date, description, money out, money in and balance columns.
How does the tool know the conversion is correct?
The converter recalculates every running balance. Each row's balance must equal the balance before it plus money in minus money out, to the cent. A row that does not add up is shown in red in the preview and marked in the Excel file, so a misread figure cannot slip through unnoticed.
Can it open a password-protected bank statement?
Yes, with the password. Many banks lock statements with a date of birth or part of the account number. You type it in the tool, it is used in your browser tab to open the file, and it is not sent anywhere.
Is my bank statement uploaded to a server?
No. The PDF is read and converted in your browser. Only the token charge for the download reaches our server; the statement, its transactions and its password do not.
What does it cost?
Previewing the converted table is free. Downloading costs 10 tokens per statement page that contains transactions (cover, terms and blank pages are free), with a lower rate on larger batches, and one charge covers every format of that conversion: Excel, CSV, QBO, OFX, QFX and QIF. A scanned page costs 15 tokens, because it is read by text recognition. The analysis report for a lender is 20 tokens on its own. Statements that could not be read are not charged.
Does it work with scanned statements?
Yes. A scanned or photographed page is read by text recognition in your browser, so the scan is not uploaded either. Recognition can misread a faint figure, which is why the converted rows go through the same balance check as any other statement: a misread amount shows up in red instead of slipping into the sheet.
Can it tell if a bank statement PDF has been edited?
The document check looks for the usual signs: a PDF made by an image or PDF editor rather than a bank's system, a file saved again after it was made, a figure set in a different font from the rest of its column, and text placed over other text. A balance that does not add up counts too. A clean result is not proof, so check anything important with the bank itself.
Which number and date formats does it understand?
Amounts like 1,234.56, 1 234,56, 1.234,56, (1,234.56) and 1,234.56 CR, with or without a currency sign, and dates day-first, month-first or year-first, or with the month written out in English, French, Spanish or German. Whether 03/02 means 3 February or 2 March is decided from the whole statement.
Can I combine several months into one spreadsheet?
Yes. Add several statements at once and they are put in date order in one sheet, with a Statement column saying where each row came from. Each statement's balances are checked on their own.
Why does the CSV open in one column in Excel?
Excel set to a language that writes decimals with a comma (French, German, Spanish and others) expects semicolons between columns. Choose the semicolon separator before downloading, or use the Excel file, which opens correctly everywhere.
Can I convert a PDF bank statement to QBO or OFX for QuickBooks or Xero without uploading it?
Yes. After the balances are checked, choose QBO for QuickBooks, OFX or QFX for Xero and Quicken, or QIF for older software. The file is built in your browser tab, so the statement never reaches a server, and one charge covers every format of that conversion, including Excel and CSV.
Is it safe for an accountant to convert client bank statements under GDPR, PIPEDA or the FTC Safeguards Rule?
Local conversion removes the biggest risk: no third party receives the client's statement, so there is no processor to vet, no data-processing agreement to sign and no copy held on someone else's server. The PDF, its password and the transactions stay on your computer. You remain responsible for storing the exported spreadsheet securely.
Can it sort bank transactions into tax categories for Schedule C, Self Assessment or a T2125?
Yes. Each transaction gets a suggested category, such as office costs, travel, software or income, from rules that run in your browser. You can change any category in the preview, and your corrections are remembered on that device for the next statement. The Excel file adds a sheet with totals per category, ready for your return.
How do I summarize monthly income and spending from bank statements for a mortgage or rental application?
Add every statement the lender asked for, usually three to twelve months. The Excel file then includes a Monthly sheet with money in, money out and closing balance per month, a Recurring sheet with regular income such as salary, and any month missing from the set. For the lender itself there is an analysis report, a PDF in English or Arabic with average monthly income, large deposits, returned payments and the document check. Send the original PDFs too.
Does it catch duplicate transactions when statements overlap?
Yes. When two statements cover the same days, rows with the same date, amount, description and balance are flagged as duplicates and left out of the merged sheet unless you keep them. If one statement's closing balance does not match the next one's opening balance, that gap is flagged too, so a missing statement is never mistaken for a quiet month.
Bank Statement to Excel Converter at a glance
| Where it runs | Entirely in your browser. Files are never uploaded. |
|---|---|
| Cost | 10 tokens per page (about $0.10 at the base rate); larger batches cost less per page: 6–10 take 10% off the total, rising to 30% off at 41–50 |
| Accepts | PDF bank and credit card statements, including password-protected ones, in English, French, Spanish, German or Arabic |
| Produces | An Excel workbook (Transactions with a balance check and a category per row, plus Summary, Monthly, Categories and Recurring sheets), a CSV in its own, QuickBooks Online or Xero layout, or a QBO, OFX, QFX or QIF file for QuickBooks, Xero, Quicken and other accounting software. |
| Batch | Up to 12 statements and 200 pages per conversion, merged into one spreadsheet. |
| Account needed | Only to spend tokens. Browsing and previewing are free. |
| What it does not do | A statement downloaded from online banking is read from its text. A scanned or photographed one is read by text recognition, which is slower and can misread a faint figure; the balance check then shows any row that does not add up. Descriptions in Arabic can come out in the wrong word order on some statements and may need a fix in the preview. |
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