Free bank statement converter: PDF to CSV, opens straight in Excel
For people who do their own books. Page 1 on screen first, then the whole statement as a clean spreadsheet, with a straight answer on whether anything was missed.
Any bank or card, US or international, as a PDF, scan, CSV, or Excel file. No templates to set up, no column mapping.
Converting a credit card statement? Use the credit card statement converter.
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.
Columns collapse into one. Amounts lose their minus signs. Two hours in, you are hand-fixing rows and you still don't trust the total.
It gives you something that looks right immediately. Then you spot-check three rows against the PDF and find one that isn't, so now you have to check all of them.
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 can't name, without seeing a single row first.
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, cut the columns their software rejects, and save it back out as CSV.
That whole middle step is the thing you no longer have to do. Tell MatchLedger where the file is going (QuickBooks, Xero, YNAB, Monarch, FreshBooks, Wave, Zoho Books) 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? Choose the Generic layout (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. See every export format.
Extracted transactions are counted against the statement's own totals. If something is missing you're told now, not in April.
You upload a file. No bank login, no credentials, no read-access token, which also means closed accounts and old cards still work.
The first page's rows show on screen before you're asked for an address. If it isn't right, you've handed over nothing.
What people actually use it for
Pull three months of business spending into one sheet and total it by category without retyping anything.
A full year across several accounts, in one place, in time for the October 15 extension deadline.
Send a clean spreadsheet instead of a folder of PDFs, and stop paying someone hourly to do data entry.
Closed accounts and personal cards you can't connect to anything. The statement PDF is all that exists, and that's enough.
How the free bank statement converter works
It gets read
Drop in one PDF, CSV or Excel file from any bank or card issuer, US or international. Every transaction is pulled out, digital or scanned. You see page 1 straight away; the whole file follows by email.
It gets checked
The rows are counted against the statement's own opening and closing totals, so you're told whether anything is missing before you download.
You pick the shape
QuickBooks, Xero, YNAB, Monarch, FreshBooks, Wave, Zoho Books, or Generic: the CSV comes out in that software's column shape, with its date format and sign convention. Opens straight in Excel either way.
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, .xlsx and .xls both work. The workbook is normalised to 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 converts the whole file. What comes back is still a CSV, whatever went in.
- Do I get an Excel file, or a CSV?
- A CSV. It opens straight in Excel (double-click and it's there, no import wizard), and it works the same in Numbers or any other spreadsheet. If you need a saved .xlsx afterwards, Excel's own Save As does it in one step.
- Can I import the file straight into QuickBooks or Xero?
- That's the point of picking a destination. Choose QuickBooks, Xero, YNAB, Monarch, FreshBooks, Wave or Zoho Books 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.
- Will the spreadsheet look like my bank statement?
- No, and that's deliberate. The columns come out in the shape of wherever the file is headed: QuickBooks, Xero, YNAB, Monarch, FreshBooks, Wave, Zoho Books, or a plain Generic layout. Generic gives you 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 don't 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 CSV is emailed to you rather than making you wait on the page. One file, then the statement is deleted.
- 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) or a long statement, create a free account: uploads run in the background and several statements come back as a ZIP with one CSV each.
- What does it cost?
- Nothing while MatchLedger is in beta, and converting a statement needs no account, no credit card and no bank login. A free account is for longer statements, a stack of them, keeping your history, and checking the CSV against your QuickBooks or Xero books.
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.
Convert a statement free