Bank Statement to Excel Converter
Turn PDF bank and credit card statements into an Excel spreadsheet, free, with every row checked against the statement's own running balance.
- Free, no sign-up
- Runs in your browser
- Nothing uploaded or kept
Drop bank or credit card statements (PDF) here
One or many: each is read and checked on this device. Password-protected PDFs work too.
- Never uploaded
- Every balance checked
- Excel, CSV, QBO, OFX, QIF
How to use it
Add your statements
Drop the PDF statements from your online banking, one or many. A password-protected PDF asks for its password.
Check the rows
Every row is checked against the statement's balance. Fix anything highlighted by clicking it.
Download Excel
Get an .xlsx with real dates and numbers, or CSV, QBO, OFX or QIF. Nothing is uploaded.
The PDF is read in your browser and never uploaded. Drop one statement or a year of them, fix anything the check points at, and download Excel, CSV, or a QBO or OFX file for QuickBooks or Xero.
Why this converter
Most statement converters upload your PDF to their server, give you a few free pages a day and then ask for a subscription. A bank statement holds your account number, your balance and everything you spent money on, so this one is built the other way round.
- Your statement never leaves your device. It is opened by your browser, on this page. Open the Network tab in your browser's developer tools while you convert to see for yourself: no request carries your file.
- Every row is checked. Where the statement prints a running balance, each balance must follow from the one before by exactly that row's amount, and the opening balance plus every row must come to the closing balance. Anything that does not add up is highlighted, so you fix one cell instead of re-checking hundreds.
- Fix it on the page. Click any date, description or amount to correct it, delete a line that is not a transaction, undo, and watch the check update as you go.
- Money in and money out the right way round. From separate columns, minus signs, brackets, DR and CR, section headings such as "Withdrawals" or "Payments and other credits", or the running balance itself. Credit cards come out the same way as bank accounts: purchases out, payments in.
- Password-protected statements. Type the password and the PDF opens here; it is not sent anywhere.
- No limits. No daily cap, no page limit, no watermark, no account. Add a whole year of statements at once.
- Every format. Excel with real dates and numbers and a Summary sheet of live formulas, CSV (comma or European semicolon), QBO for QuickBooks, OFX for Xero, Quicken and GnuCash, QIF, or copy the table straight into Google Sheets.
Convert a credit card statement to Excel
Card statements work the same way. Purchases, fees and interest come out as money out; payments, refunds and cashback as money in. A card's balance is what you owe, so it rises when you spend: the check knows this and still proves the rows. If a card shows its credits without a minus sign and they come out the wrong way, Flip in/out swaps them for that statement.
A year of statements in one spreadsheet
Add all twelve months at once. They go on one sheet with a Statement column (or one sheet each), each statement is checked on its own, and the Summary sheet shows the months side by side. Dates sort properly across the year because they are real dates.
What the spreadsheet looks like
| Column | What it holds |
|---|---|
| Date | The transaction date as a real date, so it sorts and filters. A December row on a January statement gets the right year. |
| Description | The full description, with the lines of a long one joined back together. |
| Money out, Money in | Positive numbers in two columns, the way most people read a statement. |
| Amount | One signed column, money in positive and money out negative, for formulas, pivot tables and imports. |
| Balance | The running balance the statement printed, when it prints one. |
| Reference, Posted date | Cheque or reference numbers and the posting or value date, when the statement has those columns. |
A Summary sheet lists each statement with its period, opening balance, money in, money out and closing balance. Money in and out are live formulas over the transactions, so if you change a row in Excel the totals and the difference follow.
How we tested it
A PDF has no table inside it, only bits of text placed on the page. The converter rebuilds the rows from where each piece of text sits, so the layout matters. Before release it was run against 16 test statements laid out the way real banks lay theirs out, with invented names and numbers:
- US checking accounts with one amount column, sections for deposits, withdrawals and checks paid, a check-number column and balances printed once a day.
- UK accounts with money out, money in and balance, dates printed once a day, and amounts on the last line of a long description.
- Indian statements with narration, reference and value-date columns, lakh grouping (1,24,550.00) and Dr/Cr marks.
- German statements with decimal commas (1.234,56) and dotted dates, a Canadian one with brackets for money out, and a list printed newest first.
- Credit cards with payments shown with a minus, and with a running balance of what is owed.
Every one came out exactly and balanced, and a 17th with one deliberately wrong balance was caught and highlighted. The Excel files were opened in Microsoft Excel to confirm that the dates, numbers and formulas come through. Your bank may lay its statement out in a way we have not seen, which is why the check is there: if a row is misread, the balance stops adding up and the row is highlighted.
More free tools for statements and PDFs
The same converter, leading with a different file: Bank statement to CSV, PDF to QBO for QuickBooks and PDF to OFX for Xero and Quicken. Need to send a statement somewhere with a size limit? Compress PDF shrinks it, and Merge PDF puts several months into one file. Both run in your browser too.
Frequently asked questions
Is it safe to convert a bank statement online?
Yes, when the converter runs in your browser, as this one does. Your statement is opened by your own browser on your own device; it is never uploaded, stored or seen by us. You can check: open your browser's developer tools, go to the Network tab and convert a statement, and you will see that no request carries your file. Many other converters upload the PDF to their server to read it, so check how a tool works before giving it a bank statement.
How do I convert a bank statement PDF to Excel for free?
Download the statement from your online banking as a PDF, drop it on the box above and click Download Excel. The spreadsheet has the date, description, money out, money in, a signed amount and the running balance, with real dates and numbers so you can sort, filter and add up straight away. A Summary sheet adds up money in and out with live formulas and compares them with the statement's opening and closing balance.
How do I know the numbers are right?
The converter checks them for you. Where the statement prints a running balance, each row's balance must follow from the row before by exactly that row's amount, and the opening balance plus every row must come to the closing balance. If anything does not add up, the row is highlighted so you can fix that one cell. Where a statement prints only section totals, those are compared instead.
Can ChatGPT convert bank statements to Excel?
It can, but you would be uploading your bank statement to an AI service, and it can misread or drop rows without telling you. This converter reads the numbers exactly as they are printed in the PDF and then checks them against the statement's own running balance, so a missing or misread row is pointed out instead of slipping through.
How do I convert a password-protected bank statement PDF to Excel?
Add the PDF as usual and type the password when asked. Banks often use your date of birth or part of your customer or account number (HDFC, ICICI, SBI and many credit card companies email statements like this). The password is used only on this page to open the file.
Does it work for credit card statements?
Yes. Purchases come out as money out and payments and refunds as money in, the same way round as a bank account, even though a card's balance goes up when you spend. If a statement shows them the other way, one click on Flip in/out swaps them.
Which banks does it work with?
Statements downloaded from online banking from banks in the US, UK, Canada, Australia, India and Europe: checking and savings accounts and credit cards, with one amount column or separate money in and money out columns, dates written any common way, amounts in any common style (1,234.56, 1.234,56, (45.00), 45.00 DR) and descriptions over several lines. If a layout is not read correctly, the check tells you.
Can it read a scanned statement?
Not yet. A scanned or photographed statement is a picture with no text in it, and this tool reads the text that online banking puts in its PDFs, which is why it is exact. If yours is a scan, download the same statement from your online banking instead.
Can I convert several statements at once?
Yes. Add as many PDFs as you like. They go into one spreadsheet with a Statement column, or one sheet each, and the Summary sheet checks each statement on its own line.
Is there a page or file limit?
No. There is no daily limit, no page limit, no watermark and no sign-up. The only limit is your device's memory, and a year of statements is small.
A free tool from LetRelay: no sign-up, nothing stored on a server.