Free credit card statement converter: PDF to Excel (.xlsx) or CSV
Every line counted against the statement's own opening and closing totals.
Any card issuer, 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 | Previous balance | 612.40 |
| 2026-08-02 | CLOUDBOX STORAGE PRO | -24.99 |
| 2026-08-03 | PAYMENT - THANK YOU | 612.40 |
| 2026-08-04 | FONTFORGE TYPE LICENSE | -89.00 |
| … 16 more lines | ||
| 2026-08-31 | New balance | 1,213.17 |
19 lines read · charges 1,213.17 · payments 612.40
Previous balance 612.40 + charges − payments = 1,213.17 = new 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.
Why a credit card statement is harder to convert than a bank statement
A bank statement is one column of money in and out. A card statement has more going on, and every generic converter trips over the same three things.
Two dates on every line
A card statement carries the day you bought something and the day it posted, side by side. Copy-paste keeps one, drops the other, or shifts every second row — and you only notice when a March purchase turns up in April’s total.
Payments look like refunds
On the page, a payment you made and a refund a merchant gave you both reduce the balance. Your software wants them told apart, and every destination has its own idea of which way a charge should point. Get it wrong and the import doubles your spending or nets it to zero.
Numbers that aren't transactions
Previous balance, minimum payment due, interest charged, the fee summary — all printed inside the same table as the purchases. A converter that scrapes every figure on the page turns each one into a row, and your total is out by exactly that much.
MatchLedger reads a card statement as a card statement: the transaction rows come out as transactions, the summary figures stay summary figures, and the rows are counted against the statement's own previous and new balance — so you are told whether anything went missing before you download.
Convert a credit card statement to Excel, or straight into QuickBooks or Xero
Most people who convert a card statement to Excel do not want a spreadsheet. They want the transactions in QuickBooks or Xero, and Excel is where they flip the sign on every charge, strip out the summary rows, and save it back out as a CSV the import will accept.
That middle step is the thing you no longer have to do. Every destination has its own idea of which way a card charge points — QuickBooks wants charges positive on a card import, others want them negative. Tell MatchLedger where the file is going — your accounting software — and the CSV comes out in that software's card-import shape, with its date format and its sign convention, ready to import as-is.
Genuinely want the spreadsheet? Pick Plain spreadsheet — it carries a Type column, purchase or payment, beside every amount — and double-click it into Excel.
More on where the file can go: Read the credit card statement to QuickBooks guide · See every export format
Nothing quietly dropped
Extracted transactions are counted against the statement's own previous and new balance. If something is missing you are told now, not in April.
Nothing to connect
You upload a file. No card login, no credentials, no feed to authorise — which is exactly why closed accounts and personal cards still work.
Page 1 before your email
The first page's rows show on screen, with the reading it made — read as a credit card statement — 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 credit card 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 credit card 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 credit card 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 credit card 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 credit card 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 - Credit Card, 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 credit card 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 credit card 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 credit card 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 - Credit Card, 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 credit card 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 credit card 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 credit card 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 - Credit Card, or the software you use.
- Download the CSV, ready for YNAB.
Import it into YNAB
- In YNAB, click the credit card 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 credit card statement, click Yes.
The walkthrough uses the MatchLedger app. The converter on this page makes the same YNAB file.
MatchLedger reads your credit card 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 credit card 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 - Credit Card, or the software you use.
- Download the CSV, ready for Monarch.
Import it into Monarch
- In Monarch, open Accounts and click the credit card 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 convert card statements for
Cards with no feed
A closed account, a personal card you put business spending on, or a card whose feed your software simply will not connect to. The statement PDF is all that exists — and it is enough.
Splitting business from personal
One card, both kinds of spending. Get every line into a sheet, tag the business rows, and hand only those to your books or your accountant.
Expense reports and reimbursements
Twelve months of card activity totalled by merchant, without retyping a single line from the PDF.
Year-end for your accountant
A full year of card statements as clean spreadsheets, instead of a folder of PDFs and an hourly bill for the data entry.
Questions
- Do I have to log in to my card account?
- No. You upload the statement file. There is no card login to hand over, no credentials stored, and no feed to authorise. That is also why closed accounts and personal cards work — the statement PDF is the only thing you need.
- Which card issuers work?
- Any of them — Amex, Chase, Citi, Capital One, Discover, Bank of America, store cards, and issuers outside the US. There are no per-issuer templates to choose or set up; the extraction reads the statement itself, including scanned and image-based PDFs.
- How does it know this is a credit card statement and not a bank statement?
- Opening the card door tells it. Otherwise it reads the first page and decides, and either way the preview says which reading it made. If it ever picks wrong, one click reads the same file the other way. Nothing is converted until you have seen page 1.
- Which way do charges and payments point in the CSV?
- Whichever way the destination you pick expects. QuickBooks, for example, wants card charges as positive amounts on a card import; other software wants them negative. Choose your accounting software up front and the file comes out signed for that import. Plain spreadsheet adds a Type column — purchase or payment — so the direction is never ambiguous in a spreadsheet.
- What happens to interest, fees and the minimum payment?
- The summary figures — previous balance, new balance, minimum payment due, interest and fee totals — are read as what they are and used to check the extraction, not turned into rows. Individual charges that appear in the transaction list, including a fee line the issuer posted as a transaction, come through as transactions.
- My statement runs from the 15th to the 14th. Does that matter?
- Not to the conversion. Every transaction keeps its own date in the CSV, so two consecutive statements sorted by date give you a clean calendar month. The completeness check is per statement, against that statement's own previous and new balance.
- Can I upload an Excel file?
- Yes. An Excel workbook is read into a CSV first, then read like any other card statement, with the same previous-and-new-balance 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 a Professional trial (files up to 1,500 lines). 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.
- 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 year of card statements, or several cards — 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 a 30-day Professional trial (files up to 1,500 lines), then 500 a month.
- What does it cost?
- Nothing while MatchLedger is in beta, and converting a statement needs no account, no credit card details and no 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 a 30-day Professional trial (files up to 1,500 lines), then 500 a month.
Convert your first card statement now
Free while MatchLedger is in beta. No account needed, no card login, no feed to connect — and you see page 1 before you give an email address.