Free credit card statement converter: PDF to CSV, opens straight in Excel
For cards with no feed — closed accounts, personal cards. Page 1 on screen first, then the whole statement as a clean spreadsheet, charges and payments told apart.
Amex, Chase, Citi, Capital One, Discover, Bank of America — any issuer, US or international — PDF, scan, or CSV. No templates to set up, no column mapping.
Converting a bank statement instead? Use the bank statement converter.
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.
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.
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.
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're 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 don't want a spreadsheet. They want the transactions in QuickBooks or Xero, and Excel is where they flip the sign on every charge, delete 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 — QuickBooks, Xero, YNAB, Monarch, FreshBooks, Wave, Zoho Books— 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? Choose the Generic layout — it carries a Type column, purchase or payment, beside every amount — and double-click it into Excel. Importing into QuickBooks and want the whole walkthrough? Read the credit card statement to QuickBooks guide, or see every export format.
Extracted transactions are counted against the statement's own previous and new balance. If something is missing you're told now, not in April.
You upload a file. No card login, no credentials, no feed to authorise — which is exactly why closed accounts and personal cards still work.
The first page's rows show on screen, with the reading it made — "Read as a credit card statement" — before you're asked for an address. If it isn't right, you've handed over nothing.
What people convert card statements for
A closed account, a personal card you put business spending on, or a card whose feed your software simply won't connect to. The statement PDF is all that exists — and it's enough.
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.
Twelve months of card activity totalled by merchant, without retyping a single line from the PDF.
A full year of card statements as clean spreadsheets, instead of a folder of PDFs and an hourly bill for the data entry.
How the free credit card statement converter works
It gets read
Drop in one PDF or CSV from any issuer — Amex, Chase, Citi, Capital One, Discover, Bank of America, or a bank abroad. Every transaction is pulled out, digital or scanned. The preview says "Read as a credit card statement", and if it ever guesses wrong, one click reads it the other way. You see page 1 straight away; the whole file follows by email.
It gets checked
The rows are counted against the statement's own previous and new balance, so you're told whether anything is missing before you download. Summary figures stay summary figures — they never become rows.
You pick the shape
QuickBooks, Xero, YNAB, Monarch, FreshBooks, Wave, Zoho Books, or Generic — the CSV comes out in that software's card-import shape, with its date format and its sign convention for charges and payments. Opens straight in Excel either way.
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?
- Arriving from this page tells it. Otherwise it reads the first page and decides, and either way the preview says which reading it made — "Read as a credit card statement." If it ever picks wrong, one click reads the same file the other way. Nothing is converted until you've 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 QuickBooks, Xero, YNAB, Monarch, FreshBooks, Wave or Zoho Books up front and the file comes out signed for that import. The Generic layout 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.
- 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 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.
- 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 year of card statements, or several cards — 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 details and no 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 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.
Convert a card statement free