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Convert Bank Statement to Excel or CSV
Stop re-typing statements into spreadsheets. Upload a PDF bank or credit card statement and download categorized, balance-checked transactions as Excel, CSV, QuickBooks or Xero files in seconds.
Your statement is processed in memory — the file and extracted transactions are never stored or logged on our servers. Scanned statements are supported via OCR.
PDF bank statement to CSV
Banks hand you a PDF; your spreadsheet, your accountant and your accounting software all want rows. This converter closes that gap: it reads the statement's text layer, extracts every transaction with its date, description, amount, direction and running balance, and gives you a clean CSV you can open anywhere. Amounts come out signed and numeric, with no currency symbols glued to numbers and no columns shifted by long descriptions.
Unlike copy-pasting from a PDF viewer, the output is validated: the running balance is recomputed across every row, so a missed or duplicated transaction shows up as a flag instead of a silent error you find at reconciliation time.
Credit card statement to Excel
Credit card statements convert the same way as bank statements. Download the statement PDF from your card issuer's website, upload it above, and the converter pulls every purchase, payment, refund, fee and interest charge into a table. Purchases are recorded as debits, payments and refunds as credits, and each merchant line gets one of 26 bookkeeping categories, such as software subscriptions, meals, travel or fuel.
The Excel (.xlsx) export puts everything on one Transactions sheet, with the category plus the matching default QuickBooks and Xero account names in their own columns. Sort by merchant, filter by category, or build a pivot table of spend per month without retyping a single line.
Credit card statement to CSV
Choose CSV when the transactions are headed into software rather than a person: an expense tool, a budgeting app, a script, or an accounting import. The CSV has one header row and one row per transaction, with the columns Date, Description, Amount, Direction, Balance, Currency and Category. Dates are written as YYYY-MM-DD and amounts are plain numbers, so nothing breaks on import.
Many credit card statements print no running balance. In that case the Balance column is left empty, and the converter checks for repeated lines instead: two identical charges on the same day are kept but flagged, so you can confirm a real second purchase rather than a row read twice.
CSV or Excel: which should you download?
| Feature | CSV | Excel (.xlsx) |
|---|---|---|
| Opens in | Excel, Google Sheets, Numbers, any accounting import | Excel, Google Sheets, Numbers |
| Columns | Date, Description, Amount, Direction, Balance, Currency, Category | Same, plus default QuickBooks and Xero account names |
| Best for | Importing into software or scripts | Reviewing, filtering and totalling by hand |
| Formatting | Plain text, one row per transaction | A ready-made Transactions sheet |
You don't have to pick one. After a single upload you can download every format, including the QuickBooks and Xero CSVs.
Bank statement to QuickBooks or Xero
When your bank feed is missing months, or the account can't be connected at all, the fastest fix is a manual import. The converter produces QuickBooks bank-feed CSVs in both accepted layouts (3-column Date/Description/Amount and 4-column Date/Description/Credit/Debit, MM/DD/YYYY dates) and a Xero-formatted CSV (Date, Amount, Payee, Description, Reference) ready for Xero's statement import. It doesn't push into either product directly; you stay in control of the import.
Bank statement OCR for scanned PDFs
Not every statement PDF has selectable text. Older statements, faxed copies and phone scans are just pictures of a table. The converter detects when a PDF has no usable text layer and routes it through a vision model that reads the table straight from the page images. The same balance check applies, so OCR misreads surface as flagged rows rather than quiet errors in your books.
How it works
- 1
Upload your statement PDF
Drop any bank or credit card statement up to 10 MB and 20 pages. The PDF's text layer is read in your browser, and scanned statements are detected automatically and routed through OCR.
- 2
AI extracts and categorizes every row
Each transaction comes out with date, description, amount, direction and running balance, and is assigned one of 26 bookkeeping categories mapped to default QuickBooks and Xero accounts.
- 3
Review the balance-checked preview
The running balance is recomputed row by row. Any row that breaks the arithmetic is flagged at the top of the table, and every cell is editable before export.
- 4
Download in the format you need
Enter your email and download CSV, Excel (.xlsx), QuickBooks 3- or 4-column CSV, or a Xero-formatted CSV. Edits you made in the preview are reflected in the file.
Works with statements from
There are no per-bank templates: any statement that prints one transaction per row converts, including:
- RBC
- TD
- BMO
- CIBC
- Scotiabank
- Desjardins
- National Bank
- Chase
- Bank of America
- Wells Fargo
- Citi
- American Express
- Capital One
- HSBC
- Barclays
- and most others
Frequently asked questions
- How do I convert a bank statement PDF to Excel?
- Upload the PDF above. The converter reads every transaction row, date, description, amount, direction and running balance, categorizes each one, and lets you review and edit the table before downloading it as an Excel (.xlsx) or CSV file. Text-based statements under 10 MB and 20 pages typically finish in under 30 seconds.
- Can it convert a bank statement to CSV for free?
- Yes. The tool is free and works without an account. You get CSV alongside Excel, QuickBooks and Xero formats, we only ask for an email address before the download.
- Does it work on scanned bank statements (OCR)?
- Yes. When the PDF has no selectable text layer, the converter runs bank statement OCR: a vision model reads the pages directly, so photographed or scanned statements still come out as structured rows. Clearer scans give better results, and any row that breaks the running balance is flagged for review.
- Can I import the result into QuickBooks or Xero?
- Yes. The converter offers QuickBooks bank-feed CSVs in both the 3-column (Date, Description, Amount) and 4-column (Date, Description, Credit, Debit) layouts, and a Xero-formatted CSV (Date, Amount, Payee, Description, Reference). Each transaction is also categorized against default QuickBooks and Xero account names. It does not push directly into either product, you import the file yourself.
- Does it handle credit card statements too?
- Yes. Credit card statements convert the same way as chequing and savings statements: purchases come out as debits, payments and refunds as credits, and you can export to CSV or Excel in one step.
- How do I convert a credit card statement to CSV?
- Download the statement as a PDF from your card issuer's website, upload it above, review the extracted rows, then enter your email and choose CSV. The file has one row per transaction with Date, Description, Amount, Direction, Balance, Currency and Category columns, with dates as YYYY-MM-DD and amounts as plain numbers.
- Should I download CSV or Excel?
- Pick CSV when the data is going into other software, such as an expense tool, a budgeting app or an accounting import. Pick Excel (.xlsx) when you want to review, filter and total the transactions yourself; it also adds default QuickBooks and Xero account columns. One upload lets you download every format.
- What if my credit card statement has no running balance?
- That's common, and it still converts. The Balance column is left empty, and instead of the balance check the converter flags identical charges on the same day as possible duplicates, so you can confirm whether they are two real purchases.
- Can I convert several statements at once?
- Upload one PDF at a time, up to 20 pages each. You can run five uploads per hour, so a few months of statements can be converted one after another.
- Which banks does it work with?
- It isn't built around per-bank templates, so it works with statements from most banks, including RBC, TD, BMO, CIBC, Scotiabank, Desjardins, Chase, American Express and others, in any layout that prints one transaction per row. Unusual layouts still return a best-effort parse with problem rows flagged at the top.
- How accurate is the extraction?
- Every parse is cross-checked deterministically: the running balance is recomputed row by row, and any row where the arithmetic breaks is flagged at the top of the preview so you can fix it before exporting. Dates are checked for order and duplicate rows are removed. You should still review flagged rows, that's what the editable preview is for.
- Is my bank statement stored anywhere?
- No. The PDF's text layer is read in your browser and only that text is sent for extraction; scanned statements send the PDF itself. Extraction runs in a Pelcro server function using Anthropic's Claude models, and the file and extracted rows are not persisted or logged on our servers. The only retention is a one-hour cache keyed by the file's fingerprint so re-uploading the same file doesn't cost a second parse.
- What are the limits?
- PDFs up to 10 MB and 20 pages, five uploads per hour. There are no user accounts, no currency conversion, and no direct push into QuickBooks or Xero, exports are files you import yourself.
Privacy: the PDF's text is read in your browser, and only that text is sent over HTTPS for extraction. Scanned statements with no text layer send the PDF itself. Extraction runs in a Pelcro server function using Anthropic's Claude models, and neither the file nor the extracted data is stored or logged on our servers. A one-hour cache keyed by the file's SHA-256 fingerprint is the only retention, so re-uploading the same statement doesn't trigger a second parse. Five uploads per hour.
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