How to convert a bank statement PDF to Excel

Updated October 26, 2026

Banks hand out statements as PDFs, but a PDF is made for printing, not for sorting, totaling or importing. If you've ever tried copying a transaction table out of a PDF, you've seen dates, descriptions and amounts land in the wrong cells. This guide shows how to get a clean Excel file instead, and how to check that nothing was missed.

Before you start: is your PDF "digital" or scanned?

Open the statement and try to select a word of text with your mouse.

• You can select text: it's a digital PDF, the kind you download from online banking. These convert well.
• You can't select anything: it's a scan or a photo (an image inside a PDF). StatementToSheet doesn't read image-only PDFs yet, so download the statement again from your bank's website instead of scanning a paper copy.

Step-by-step

1. Download the statement PDF from your bank or card issuer's website (usually under Statements or Documents).
2. Open statementtosheet.app and drop the PDF onto the page, or click to choose it.
3. Enter the password if asked. Some banks password-protect statement PDFs. The password is used only in your browser to open the file.
4. Check the summary. You'll see how many transactions were found and a balance check: if the statement prints an opening and closing balance, the tool confirms that opening balance + all transactions = closing balance.
5. Choose your columns. By default you get Date, Description, Amount and Balance, with money out as negative numbers and money in as positive. Tick Separate Debit/Credit columns if your accounting software wants two amount columns.
6. Click "Download Excel (.xlsx)" (or "Download CSV"). When you convert several statements together, the Excel file has a combined Transactions sheet plus one sheet per statement.

What the spreadsheet looks like

Example rows with made-up data.

• Dates are written as YYYY-MM-DD, so they sort correctly even as text. Statements that run across New Year (December into January) get the right year on each row.
• Descriptions that wrap onto two or three lines in the PDF are joined into one cell.
• Amounts are numbers you can total with =SUM(). The Balance column is filled in when the statement prints a running balance.

Check the result before you rely on it

• Green "Balances match": every transaction between the opening and closing balance was captured.
• Mismatch: compare the row count and totals against the PDF; a page with an unusual layout may have been skipped.
• "No printed balances to check": some statements (common with credit cards and some account types) don't print a usable opening/closing pair. Spot-check a few rows and the total against the statement.

Which statements work?

The parser looks for the transaction table rather than a specific bank's template. It handles the common layouts:

• a single Amount column with a running Balance column,
• separate Deposits and Withdrawals sections,
• separate Debit and Credit (or Money in / Money out) columns, including a daily balance printed only on the last transaction of each day,
• credit card statements, where charges are shown as money out and payments as money in.

If a statement comes back with no transactions, it's either a scanned PDF or a layout the parser doesn't recognize yet.

Useful Excel tricks once it's converted

• Total money in and money out: =SUMIF(C:C,">0") and =SUMIF(C:C,"<0") (with Amount in column C).
• Turn the date text into real Excel dates: select the Date column and use Data → Text to Columns → Finish, or use =DATEVALUE(A2) in a helper column.
• Categorize spending: add a Category column, then build a PivotTable with Category in Rows and Amount in Values.
• Several months at once: batch mode merges several statement PDFs into one combined sheet you can sort by date (see plans).

Prefer Google Sheets?

See how to get bank statement transactions into Google Sheets. It covers bookkeeping and preparing a summary for a loan application.

Convert a bank statement PDF