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Bank Statement Converter PDF to Excel

Convert bank statements to Excel or CSV in one step. Upload a statement PDF and get a formatted spreadsheet with every transaction, a balance summary and the account details — with every running balance reconciled before you see it, so you know nothing is missing.

Balance-checked, not just extracted
Digital or scanned PDFs
Excel and CSV output

Drop your bank statement here

PDF only · up to 20 MB · digital or scanned · large multi-page statements supported

Review your transactions

Date	Type	Description	Amount	Balance

AI extraction is highly accurate but not perfect — give the figures a quick once-over (and edit any cell) before you file or reconcile.

Reads statements from

HSBC Barclays Lloyds NatWest Halifax Santander TSB Nationwide Monzo Starling Revolut Tide Mettle HDFC ICICI SBI Axis Kotak Chase Wise + any other bank

How to convert a bank statement to Excel

Three steps, no account and nothing to install. Most statements are done in well under a minute.

Drop in the PDF

Your browser opens the statement locally. Statements downloaded from online banking are read from the text inside the PDF; if there is no text layer — a scan or a photo — each page is read as an image instead.

Check the figures

Transactions appear in a table with a banner telling you whether every running balance reconciles. Edit any cell or delete any row, and the totals and the check recalculate as you type.

Export Excel or CSV

Download a formatted .xlsx with account details, a balance summary and the full transaction table — or a plain CSV shaped for importing into accounting software.

Your statement is not uploaded to us and not stored

The PDF is opened in your browser, not on our server. Only the parts needed to read the transactions are sent to Google Gemini for extraction, and the Excel file is generated on your own machine — which is why the download is instant. Nothing is kept after you close the tab, and there is no account to delete.

What you get in the Excel file

Account details — account holder, sort code or account number and the statement period, read off the statement itself.
Balance summary — opening balance, total credits, total debits and the true closing balance taken from the last transaction.
One row per transaction — Date, Type, Description, Amount and Balance, in the statement's own order.
Ready to work in — frozen header row, amounts formatted to two decimals, and debits stored as negative numbers so a SUM of the Amount column is the net movement.
The currency from the statement — pounds, rupees, euros or dollars: the currency is read from the document rather than assumed.

bank_statement.xlsx

Date	Type	Description	Amount	Balance
01/12/2025	DD	ANYTIME FITNESS	-37.95	212.26
01/12/2025	DD	TROOLI FIBRE	-25.00	187.26
03/12/2025	FPI	MERCY GEORGE	200.00	387.26
04/12/2025	DEB	TESCO STORES 3367	-3.85	383.41

Debits negative, balances carried through — the column adds up.

Converting a bank statement to CSV for accounting software

Xero, QuickBooks, Sage and FreeAgent all import bank transactions from CSV, not PDF. That is the gap this fills: the same rows, as plain comma-separated text, ready to map to the fields your software asks for.

What the CSV contains

Five columns: Date, Type, Description, Amount, Balance — one row per transaction, header row included.
A single signed Amount column: money out is negative, money in is positive. Most software maps this in one step.
Dates as DD/MM/YYYY, and amounts as plain numbers with no currency symbols to strip out.
Saved with a byte-order mark so Excel opens it in the right encoding instead of mangling accented payee names.

Before you import

Check the reconciliation banner above the table first. Importing a statement that does not add up just moves the problem into your books.
If your software wants separate Money In and Money Out columns, split the Amount column in Excel before importing.
Import one statement period at a time and let the software match against the closing balance shown here.
Keep the original PDF. It is your evidence; the spreadsheet is a working copy.

Why the figures can be trusted

Most PDF-to-Excel tools hand back whatever they read. A missed row or a payment recorded the wrong way round looks perfectly plausible in a spreadsheet — and only shows up later, when something does not reconcile. This converter checks its own work before you ever see it.

Every balance step must add up

Each running balance has to equal the one before it plus that row's amount. A missing, duplicated or misread transaction breaks the chain, and the break is reported with the row number instead of being hidden.

The statement's own totals must match

Where a statement prints its own Money In and Money Out totals, the extracted rows have to reproduce them to the penny. That is an end-to-end test no single wrong row can survive.

Overdrawn accounts read as negative

A balance printed as "£3,247.09 OD" or "DR" is money owed, not money held. It is converted to a negative figure, so an overdrawn account reconciles rather than inverting every payment.

Newest-first statements handled

Monzo and similar statements print the most recent transaction at the top, so the closing balance is the first row, not the last. The order is worked out from the ledger itself before anything is checked or exported.

Figures inside descriptions ignored

Exchange rates, foreign-currency amounts and quoted fees printed in a payment description are not the transaction amount. They are excluded, so a card payment abroad does not import at the wrong value.

A statement that fails is re-read

If the checks do not pass, the statement is read again a different way rather than shown to you. Accuracy is never traded for speed — and the banner above the table always tells you which result you are looking at.

AI extraction is highly accurate but not infallible, and these checks cannot catch a figure that is wrong in a way the statement's own arithmetic agrees with. Give the table a quick once-over before you file or reconcile — every cell is editable.

Which banks and statements work

There is no per-bank template to wait for. The statement's own layout is read directly, which is why an unusual bank or an old statement format works the same as a common one.

Works with

UK banks and building societies — HSBC, Barclays, Lloyds, NatWest, Halifax, Santander, TSB, Nationwide — and the app banks: Monzo, Starling, Revolut, Tide, Mettle.
Banks outside the UK, including Indian banks such as HDFC, ICICI, SBI, Axis and Kotak. The currency is taken from the statement.
Personal and business current accounts, savings accounts and credit-card statements.
Statements with separate Paid In / Withdrawn columns, or a single signed Amount column.
Multi-page statements — typically a full year of transactions in one file.
Scanned and photographed paper statements, as well as PDFs downloaded from online banking.

Good to know

Up to 20 MB and 80 pages per PDF. Split anything larger and convert it in parts.
Password-protected PDFs must be saved without the password first — the tool will tell you rather than fail quietly.
Scanned statements take longer than digital ones, because every page has to be read as an image.
A crisp scan converts far better than a photo taken at an angle or in poor light.
If your bank offers a CSV or OFX download, use that instead — it needs no conversion at all.
One file at a time. There is no bulk queue.

If something does not look right

The banner says a balance step does not add up

It names the row. Open the original PDF at that point and compare: usually a single amount has been misread, or a row that wraps over a page break has been merged. Correct the cell and the banner clears.

Some rows are missing

Check the note under the table for pages that could not be read, and check the page count — statements over 80 pages are truncated. Splitting the PDF into halves and converting each is the quickest fix.

No transactions were found

Confirm the file really is a statement rather than a summary letter or a certificate of balance, and that it is not password protected. For a photographed statement, retake it square-on in good light.

A rate-limit message appears

The tool runs on a daily allowance shared by everyone using it. If it is used up, the message says so plainly — try again later rather than re-uploading repeatedly.

Descriptions look duplicated

Some statements print the payee twice — once as the payee and once in the reference line. The amounts are unaffected; tidy the Description column in Excel, or edit the cells here before exporting.

The closing balance is not what you expected

The figure shown is the balance after the final transaction in the file, not the balance on your account today. If you converted one month of a longer statement, that is the difference.

What people use it for

Self Assessment and year end

Sole traders totting up a year of income and expenses from statements, where the figures have to add up to something defensible rather than roughly right.

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Bookkeeping and VAT

Getting transactions into Xero, QuickBooks, Sage or a spreadsheet when the bank feed does not reach back far enough, or the account is closed.

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Applications and reviews

Accountants, brokers and bookkeepers who are handed a stack of PDFs and need the transactions as rows before they can do anything useful with them.

Frequently asked questions

Is it really free, and do I need an account?

Yes, and no account is needed. There is no sign-up, no email wall and no watermark on the Excel file. You upload a statement, check the figures and download the spreadsheet.

Do my bank statements get uploaded or stored anywhere?

The PDF is never uploaded to our server and no statement is stored. Your browser opens the file locally and sends only the parts needed to read the transactions to Google Gemini for extraction. The Excel file is then built inside your browser, which is why the download appears instantly.

Which UK banks does it work with?

Any UK bank. It reads the layout of the statement rather than working from a fixed template per bank, so HSBC, Barclays, Lloyds, NatWest, Halifax, Santander, TSB, Nationwide, Monzo, Starling, Revolut, Tide, Mettle and business accounts all work. Statements printed newest-first (Monzo) and overdrawn accounts that show balances as "OD" or "DR" are handled correctly.

Will it work on a scanned or photographed statement?

Yes. If the PDF has no text layer, each page is read as an image instead. Scanned statements take longer than digital ones because every page has to be looked at separately, and a sharp scan reads far better than a phone photo taken at an angle.

How accurate is it, and how would I know if something were wrong?

Every extraction is reconciled before you see it: each running balance must equal the previous balance plus that row's amount, and where the statement prints its own Money In and Money Out totals those must match to the penny. If a statement does not reconcile it is re-read rather than shown. The banner above the table tells you the result of that check, so you are never guessing whether the figures are complete. It is still worth a quick look over the table, and every cell is editable.

What are the file limits?

Up to 20 MB and up to 80 pages per PDF. That covers a full year of most current accounts. If your statement is larger, split the PDF and convert it in parts.

My PDF is password protected. What do I do?

Open it with the password, then save or print it as a new PDF without one, and upload that. The tool cannot open an encrypted file and will tell you so rather than failing silently.

What exactly do I get in the spreadsheet?

A formatted .xlsx with the account details, a balance summary (opening, total credits, total debits, closing) and one row per transaction with Date, Type, Description, Amount and Balance. The header row is frozen, amounts are formatted to two decimals, and debits are negative so the column totals correctly. A plain CSV is available too if you are importing into Xero, QuickBooks, Sage or FreeAgent.

How do I convert a bank statement PDF to CSV instead of Excel?

Exactly the same way. Upload the statement, check the figures, then choose "Download CSV" instead of the Excel button. The CSV holds the same rows — date, type, description, amount and balance — as plain comma-separated text, which is the format Xero, QuickBooks, Sage and FreeAgent expect for a bank import.

Can I convert several bank statements to Excel?

Yes, one file at a time — each up to 20 MB and 80 pages, which is usually a full year per statement. Convert each and either keep them as separate spreadsheets or paste the rows together into one. If you are combining a whole year to work out profit, the Profit & Loss tool linked above is built for that next step.

Why not just use a general PDF to Excel converter?

A general converter treats a statement as a grid of text and hands back whatever it reads, so money in and money out often end up in one column, overdrawn balances lose their minus sign, and a missed row looks perfectly plausible. This one is built for statements specifically: it knows what a running balance is, and it checks its own arithmetic against the statement before showing you anything.

Can I fix a row before exporting?

Yes. Every cell in the review table is editable and any row can be deleted. Change an amount or a balance and the reconciliation banner and the totals recalculate immediately, so you can see the effect of a correction straight away.

Why convert a statement to Excel at all?

Because bookkeeping, VAT returns and Self Assessment all need transactions as rows, not as a PDF. A clean spreadsheet is also what an accountant wants from you: handing over a tidy file costs less than handing over a stack of PDFs for someone to type up.

Would you rather not do the bookkeeping at all?

We are a UK accounting practice. If converting the statement is the easy part and what follows is not, we can take the whole thing on — bookkeeping, VAT returns and Self Assessment, for sole traders and limited companies.

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