Bank Statement Converter: PDF to Excel, CSV & QBO
Upload a PDF bank statement and download every transaction as a clean spreadsheet — verified against the statement's own balances before you download, so the numbers you import are the numbers on the statement.
Drag & drop your PDF bank statements
PDF up to 30 MB each · convert several statements in one batch
Password-protected statement? — used only to open the file, never stored.
No account needed to convert and preview.
What a conversion looks like
This is the actual result for our public sample statement (a fictional Northgate Bank checking statement created for this demo). All 14 rows add up exactly, and the converter shows its work:
Opening balance 2,431.86 + credits 4,601.86 − debits 1,651.68 = 5,382.04 vs statement closing 5,382.04 ✓ Reconciled
| Date | Description | Debit | Credit | Balance |
|---|---|---|---|---|
| 2026-10-01 | Payroll - Harbor Analytics LLC | 2,150.00 | 4,581.86 | |
| 2026-10-03 | Rent payment - Maple Properties | 1,150.00 | 3,431.86 | |
| 2026-10-04 | Grocery - FreshMart #214 | 86.42 | 3,345.44 | |
| 2026-10-06 | Electric utility - City Power | 94.17 | 3,251.27 | |
| 2026-10-08 | Coffee - Blue Door Coffee | 12.60 | 3,238.67 | |
| 2026-10-10 | Transfer from savings | 300.00 | 3,538.67 | |
| 2026-10-12 | Internet - NorthLink Telecom | 59.99 | 3,478.68 | |
| 2026-10-15 | Payroll - Harbor Analytics LLC | 2,150.00 | 5,628.68 | |
| 2026-10-17 | Car insurance - Sentinel Mutual | 132.40 | 5,496.28 | |
| 2026-10-19 | Pharmacy - CarePlus Pharmacy | 27.85 | 5,468.43 | |
| 2026-10-21 | Mobile phone - NorthLink Telecom | 45.00 | 5,423.43 | |
| 2026-10-24 | Bookstore - Chapter and Co | 38.25 | 5,385.18 | |
| 2026-10-27 | Interest payment | 1.86 | 5,387.04 | |
| 2026-10-29 | Monthly account fee | 5.00 | 5,382.04 |
Sample statement created by StatementConverter for demonstration — the bank, the customer and the transactions are fictional. Download the sample PDF or use the “Try the sample statement” button above to run it yourself.
How the bank statement converter works
1. Upload your statement
Drop one PDF or a whole batch — a month of client statements at once. Password-protected files open with the password you provide.
2. Check the rows
Every transaction is listed with date, description, debit, credit and balance. The reconciliation card shows whether the rows add up; flagged rows can be corrected in place and the check re-runs instantly.
3. Download your file
CSV and Excel on every plan. QBO, OFX and QIF import straight into QuickBooks, Quicken and Xero on Starter and Pro.
Which export format should you pick?
All five formats contain the same balance-checked transactions. They differ in where the numbers go next — and in which plan includes them: CSV and Excel are on every plan; QBO, OFX and QIF come with Starter and Pro.
CSV — the universal file
Opens in Excel, Google Sheets and every accounting import wizard, and stays readable forever. Pick CSV when you are analysing the numbers yourself, or when your software does not care which file type it eats.
Excel — for human readers
A formatted workbook with proper date and number columns, ready to sort, filter and pivot. Pick Excel when a person — you, a client, a loan officer — will read the statement rather than import it.
QBO — straight into QuickBooks
QuickBooks' own Web Connect format. It carries the transactions in the exact shape QuickBooks expects from a bank feed, so imports behave like a real bank download instead of a generic spreadsheet upload.
OFX & QIF — the older standards
OFX suits Quicken and many other finance programs; QIF covers older software that predates OFX. If your program asks for one of these by name, that is the one to download.
An honest word about bank layouts
Banks do not print statements the same way. Some give every row a running balance; others split money in and money out into separate columns, wrap long descriptions over two lines, or tuck the opening and closing balances into a summary box on the first page. StatementConverter reads the transaction table itself instead of matching one fixed template per bank, which is why statements from many different banks convert through the same door. It is also why the balance check matters: when a layout quirk does trip the reader up, the numbers stop adding up and you see it immediately — flagged, explained, and correctable in place — rather than discovering it weeks later inside your accounts.
Why bookkeepers convert with a balance check
A converted statement that does not add up is worse than no conversion at all — the error surfaces weeks later, inside the accounting file. StatementConverter treats the statement's own printed balances as the source of truth: opening balance plus every credit, minus every debit, must equal the closing balance. When it does not, you see the exact difference and the rows most likely to explain it (a duplicate, a misread amount, a row whose size matches the difference) before anything reaches QuickBooks or Xero. Read more on how it works.
Three jobs people bring to it
Month-end bookkeeping
Bookkeepers convert a client's month of statements in one batch, check the reconciliation line, and import files that tie out to the cent — instead of keying transactions by hand and hunting a stray digit at midnight.
Loan and mortgage files
Lenders ask for months of statements as PDFs, but affordability gets checked in a spreadsheet. Applicants and brokers convert statements to Excel to total income, spot regular payments, and answer questions from the real numbers on the page.
Moving accounting software
Switching systems means moving history. Converting old PDF statements to CSV gives the new software transactions it can import — with the balance check proving nothing was dropped on the way.
Simple monthly pricing
Free — $0
10 pages/month, CSV & Excel with every transaction included, batches of 5.
Starter — $19/month
500 pages/month, QBO / OFX / QIF export, batches of 20.
Pro — $29/month
1,000 pages/month for a full client roster, priority support.
Frequently asked questions
How does the balance check work?
We read the opening and closing balances printed on the statement itself, then verify that opening balance + credits − debits equals the closing balance. You see the full equation before you download. If the rows are off, the difference is shown and the rows most likely to explain it are flagged for correction.
Which banks are supported?
The converter reads the transaction table of a statement rather than relying on one fixed layout per bank, so statements from Chase, Bank of America, Wells Fargo, Capital One, Citi, U.S. Bank and most other US banks convert the same way. If a statement cannot be read, you get a specific reason — never a silent failure.
Do I need an account to try it?
No. Convert your first statement and preview every row without signing up. Downloading the CSV or Excel file asks for a free account; the conversion is attached to your account automatically.
What happens to my files?
Original PDFs are processed in memory and are not kept. Converted results are stored for 72 hours so you can review and download them, then deleted automatically. A Delete now button removes everything immediately.
Can it read password-protected statements?
Yes. Enter the PDF password in the field under the upload box. The password is used only to open the file during conversion and is never stored or logged.
What about scanned statements?
Scanned and photo-based statements are transcribed by AI and converted like digital ones — the result page tells you when a statement was read this way so you can double-check the amounts. An original PDF downloaded from your bank is still the most reliable input.
What happens if my statement does not reconcile?
You see the exact difference between what the rows add up to and the closing balance printed on the statement, plus the rows most likely to explain it — a duplicated row, a misread amount, a transaction whose size matches the difference. Correct a row in place and the check re-runs instantly. Nothing is silently adjusted to force a match: if a statement stays unreconciled, the result says so plainly.
More answers on the FAQ page, including how we handle your data and what to do when a statement will not convert.