Free bank statement converter: PDF to Excel (.xlsx) or CSV
Every line counted against the statement's own opening and closing totals.
Any bank, any country · Password-protected PDFs too
1 Drop your PDF statement
Drop your statement
PDF, CSV or Excel
One file at a time. A password-protected PDF is fine — we’ll ask for the password.
File type:
Opens in Excel, imports into any accounting software.Where is this headed? The columns come out in that shape:
See page 1 first, in about a minute → enter your email → we send the complete Excel (.xlsx) or CSV file. No account needed.
2 Get it back as CSV or Excel · sample from a made-up statement
You see page 1 first, then the whole file comes by email.
| Date | Description | Amount |
|---|---|---|
| 2026-08-01 | Opening balance | 4,210.55 |
| 2026-08-03 | POS GREENLEAF GROCERS | -86.40 |
| 2026-08-04 | ACH ELECTRIC CO-OP AUG | -142.18 |
| 2026-08-05 | EFT ACME STUDIO INV 1042 | 1,500.00 |
| … 28 more lines | ||
| 2026-08-31 | Closing balance | 3,990.10 |
31 lines read · debits 2,920.45 · credits 2,700.00
Opening balance 4,210.55 − debits + credits = 3,990.10 = closing balance
This is the file you get back, as CSV or Excel. Open it in Excel, or import the CSV into QuickBooks, Xero or any accounting software's bank-statement import and the lines become entries — no manual data entry.
You have probably already tried to convert it yourself
Most people who land here are not accountants. They are running something, doing their own books, and have lost an evening to a statement PDF at least once.
Copy-pasting out of the PDF
Columns collapse into one. Amounts lose their minus signs. Two hours in, you are hand-fixing rows and you still do not trust the total.
Pasting it into an AI chat
It gives you something that looks right immediately. Then you spot-check three rows against the PDF and find one that is not, so now you have to check all of them.
A free online converter
Some are fine. Others bury the download under three ad walls, or hand you an installer nobody asked for. All of them mean uploading a bank statement — account numbers, balances, the lot — to a site you cannot name, without seeing a single row first. Here you see page 1 before you give anything but the file.
The problem with all three is the same: you cannot tell whether anything went missing. MatchLedger counts what it extracted against the statement's own opening and closing totals, and tells you the answer before you download.
Bank statement to Excel, or straight into QuickBooks or Xero
Plenty of people convert a statement to Excel without wanting a spreadsheet at all. They want it in QuickBooks or Xero, and Excel is where they fix the headers, flip the sign on the amounts, strip out the columns their software rejects, and save it back out as a CSV.
That whole middle step is the thing you no longer have to do. Tell MatchLedger where the file is going — your accounting software — and the CSV comes out in that software's own column shape, with its date format and its sign convention, ready to import as-is.
Genuinely want the spreadsheet? Pick Plain spreadsheet — Date, Type, Description, Reference, Memo, Category, Amount — and double-click it into Excel. Either way, being straight with you: it is not a photocopy of your statement. It is the content of it, arranged to be useful.
More on where the file can go: See every export format
Nothing quietly dropped
Extracted transactions are counted against the statement's own opening and closing totals. If something is missing you are told now, not in April.
Nothing to connect
You upload a file. No bank login, no credentials, no read-access token — which also means closed accounts and old cards still work.
Page 1 before your email
The first page's rows show on screen before you are asked for an address. If it is not right, you have given no email and made no account.
Watch a statement go from PDF to posted in your accounting software
Plain spreadsheet opens in Excel. Headed into accounting software instead? Pick it under "Where is this headed?" and see how the import works, step by step.
MatchLedger reads your bank statement and exports it in the format QuickBooks Online imports. QuickBooks then matches, categorizes and posts the transactions. Nobody retypes a line.
Upload your statement
- Upload your bank statement.
- Select the file and click Upload.
- You can close the page. We email you when it's ready.
Export it for QuickBooks
- Export the extracted transactions.
- Pick QuickBooks Online, or the software you use.
- Download the CSV, ready for QuickBooks.
Import it into QuickBooks Online
- In QuickBooks, open Bank transactions and click Upload transactions.
- Upload the CSV and choose the bank account.
- Match the date format, confirm the columns, select all, click Done.
QuickBooks matches and posts
- Set a rule once. Matching transactions are categorized from then on.
- QuickBooks suggests categories and matches existing bills and invoices.
- Select all, click Match/Post, then check the bank register.
The walkthrough uses the MatchLedger app. The converter on this page makes the same QuickBooks file.
MatchLedger reads your bank statement and exports it in the format Xero imports. Xero then matches and reconciles the transactions. Nobody retypes a line.
Upload your statement
- Upload your bank statement.
- Select the file and click Upload.
- You can close the page. We email you when it's ready.
Export it for Xero
- Export the extracted transactions.
- Pick Xero - Bank, or the software you use.
- Download the CSV, ready for Xero.
Import it into Xero
- In Xero, open Accounting, then Bank accounts, and find the bank account you're importing into.
- Import a statement and upload the CSV.
- Check the import settings, review the transactions, then click Complete import to bring them all in at once.
Xero matches and reconciles
- Xero suggests a match for each statement line against your invoices and bills. Review it and click OK.
- When a bank rule applies, Xero fills in the details. Review them and click OK.
- No match and no rule: fill in the details yourself and click OK. Open Account transactions to see everything reconciled.
The walkthrough uses the MatchLedger app. The converter on this page makes the same Xero file.
MatchLedger reads your bank statement and exports it in the format Zoho Books imports. Zoho Books then matches and categorizes the transactions. Nobody retypes a line.
Upload your statement
- Upload your bank statement.
- Select the file and click Upload.
- You can close the page. We email you when it's ready.
Export it for Zoho Books
- Export the extracted transactions.
- Pick Zoho Books - Bank, or the software you use.
- Download the CSV, ready for Zoho Books.
Import it into Zoho Books
- In Zoho Books, open Banking and click the bank account you're importing into.
- Click Import Statement, choose the CSV, and set Amount Column Type to Single Column with Negative Values.
- Click Next, check the mapped fields and the preview, then click Import to bring them all in at once.
Zoho Books matches and categorizes
- When a bank rule applies, Zoho Books recognizes the transaction. Review it and click Categorize.
- Click a transaction and Zoho Books suggests its best match from your invoices and bills. Review it and click Match.
- No rule and no match: open Categorize Manually, fill in the details and click Save. Then open All Transactions to see every line in your books.
The walkthrough uses the MatchLedger app. The converter on this page makes the same Zoho Books file.
MatchLedger reads your bank statement and exports it in the format YNAB imports. YNAB brings every line into your account, ready to categorize and reconcile. Nobody retypes a line.
Upload your statement
- Upload your bank statement.
- Select the file and click Upload.
- You can close the page. We email you when it's ready.
Export it for YNAB
- Export the extracted transactions.
- Pick YNAB - Bank, or the software you use.
- Download the CSV, ready for YNAB.
Import it into YNAB
- In YNAB, click the bank account you're importing into, then click File Import.
- Click Choose File and pick the CSV. Set both Outflow and Inflow to amount: YNAB puts the negative amounts under Outflow and the positive ones under Inflow.
- Click Import, then OK. Every line lands in the account at once, and Remember setting for this account keeps the mapping for next time.
Categorize and reconcile in YNAB
- Each new line says This needs a category. Click it and pick a category.
- YNAB remembers the category you gave each payee and fills it in on your next import, for you to approve.
- Click Reconcile. If the current balance YNAB shows matches your bank statement, click Yes.
The walkthrough uses the MatchLedger app. The converter on this page makes the same YNAB file.
MatchLedger reads your bank statement and exports it in the format Monarch imports. Monarch brings every line into your account and puts each one in a category you can change. Nobody retypes a line.
Upload your statement
- Upload your bank statement.
- Select the file and click Upload.
- You can close the page. We email you when it's ready.
Export it for Monarch
- Export the extracted transactions.
- Pick Monarch Personal Finance - Bank, or the software you use.
- Download the CSV, ready for Monarch.
Import it into Monarch
- In Monarch, open Accounts and click the bank account you're importing into. Then click Edit and choose Import transactions.
- Upload the CSV and click Next. Monarch fills in the column mapping from the file's own headers. Check it, click Next, and click Next again on the tags screen.
- On Assign CSV categories to Monarch categories, Monarch lines up each category in the file with one of its own, and a category it has no match for keeps the file's name. Change any you like and click Next.
Monarch categorizes each line
- Choose Import all transactions, which keeps what is already in the account, and click the Import button.
- Click View transactions to see every line with its category.
- A rule you already set up in Monarch sets the category on the lines it matches. Click any category to change it.
The walkthrough uses the MatchLedger app. The converter on this page makes the same Monarch file.
What people actually use it for
Quarterly estimates
Pull three months of business spending into one sheet and total it by category without retyping anything.
Schedule C at tax time
A full year across several accounts, in one place, in time for the filing deadline.
Handing it to your accountant
Send a clean spreadsheet instead of a folder of PDFs — and stop paying someone hourly to do data entry.
Cards with no feed
Closed accounts and personal cards you cannot connect to anything. The statement PDF is all that exists, and that is enough.
Questions
- Do I have to connect my bank account?
- No. You upload a statement file. There is no bank login to hand over, no credentials stored, and no read-access token to grant. If an account is closed, or the card was never connectable, the PDF still works.
- Which banks and cards work?
- Any of them, US or international. There are no per-bank templates to choose or set up — the extraction reads the statement itself, including scanned and image-based PDFs.
- Can I upload an Excel file?
- Yes. An Excel workbook is read into a CSV first, then read like any other statement, with the same completeness check. A password-protected workbook needs the protection removed before you upload it, and the free converter takes smaller workbooks — a free account starts with files up to 1,500 lines while we're in beta. What comes back is whichever you pick before you send: a CSV, or an Excel workbook.
- Do I get an Excel file, or a CSV?
- Your choice — pick it beside the destination before you send. CSV is the default: it opens straight in Excel, double-click and it is there, and it is what QuickBooks, Xero and the rest import. Pick Excel (.xlsx) instead and you get a real workbook — dates as dates, amounts as numbers — with the same columns.
- Can I import the file straight into QuickBooks or Xero?
- That is the point of picking a destination. Choose your accounting software before the file is sent, and the CSV comes out in that software's own column shape, date format and sign convention — no reworking it in a spreadsheet first. If you were converting to Excel only to tidy it up before importing, you can drop that step entirely. For QuickBooks Online the whole path is short. Download the CSV, open Bank transactions in QuickBooks, click Upload transactions, choose the bank account and confirm the date format. QuickBooks then matches existing bills and invoices, suggests categories, and posts everything you select in one click. Watch the walkthrough. For Xero, download the CSV, open the bank account in Xero and import the statement. Xero then suggests matches against your invoices and bills, applies your bank rules, and you reconcile each line with OK. Watch the walkthrough.
- Will the spreadsheet look like my bank statement?
- No, and that is deliberate. The columns come out in the shape of wherever the file is headed — or, with Plain spreadsheet picked, as Date, Type, Description, Reference, Memo, Category and Amount. It is the content of your statement, reorganised into something you can sort and total, not a facsimile of the bank's own page layout.
- Why do you ask for an email address?
- You do not need one to see the first page — it shows on screen as soon as the statement is read. Converting the rest takes longer, so the finished file is emailed to you rather than making you wait on the page.
- Can I convert more than one statement at a time?
- The free converter takes one statement per run, and shorter ones. For a stack — a full year across several accounts — create a free account: uploads run in the background and several statements come back as a ZIP with one CSV each. A free account starts with files up to 1,500 lines while we're in beta, then 500 a month.
- What does it cost?
- Nothing, and converting a statement needs no account, no credit card and no bank login. A free account is for a stack of statements, keeping your history, and checking the CSV against your QuickBooks or Xero books. It starts with files up to 1,500 lines while we're in beta, then 500 a month.
Convert your first statement now
Free while MatchLedger is in beta. No account needed, no credit card, no bank connection — and you see page 1 before you give an email address.