Bank Statement to CSV Converter
Convert a PDF bank or credit-card statement to CSV - or straight to a QuickBooks .qbo file - with every transaction checked against the balances the bank printed. Free, no sign-in, and nothing is uploaded.
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How to Convert a Bank Statement to CSV
- Download the statement PDF from your bank's website or app (Chase: Statements & documents; Bank of America: Statements & Documents; Wells Fargo: Statements & Documents). An emailed, password-protected statement works too.
- Drop the PDF above. Text statements take a second or two; scanned ones are read with OCR in your browser.
- Read the balance check. It tells you whether every printed balance is explained by the extracted transactions - the proof that nothing was missed.
- Choose the CSV layout and download, or download a .qbo file for QuickBooks.
Two CSV Layouts
Date, Description, Debit, Credit, Amount, Balance is the full record: money out and money in as separate positive columns for a bookkeeping sheet, the same figure signed in Amount for a single-column ledger, the running balance as the bank printed it, and the PDF page each row came from.
QuickBooks Online is the three-column layout QuickBooks Online's Upload from file reads without fuss: Date as MM/DD/YYYY, Description, and Amount with money out negative. Most budgeting apps that import CSV accept it too.
Straight to QuickBooks
The .qbo download is a QuickBooks Web Connect file built from the statement. In QuickBooks Desktop, import it with File > Utilities > Import > Web Connect Files and pick the account; in QuickBooks Online, use Transactions > Bank transactions > Link account > Upload from file. A credit-card statement is written as a credit-card account automatically. The file carries Intuit bank ID 3000, so QuickBooks may show Wells Fargo on the import screen and ask which account to use - the CSV to QBO page explains why. Each transaction gets a stable ID, so importing two overlapping statements does not double up the shared transactions.
Bank Statement Converter vs. Your Bank's CSV Export
If your bank offers a CSV or OFX download for the period you need, use it: it is the transactions as data, with nothing to read back. Use CSV to QBO or OFX to CSV for those. A PDF statement is what you have when the export does not reach back far enough, when an accountant or lender sends statements as PDFs, or when the account is closed - and that is what this converter is for.
How Debits and Credits Are Decided
A PDF records where a number was printed, not which column it belonged to. The converter settles the direction of each amount from the running balance first (if the balance fell, it was money out), then from a minus sign, parentheses or CR/DR marker, then from the column heading above it. Only when nothing says which way the money went is a row assumed to be money out, and the page tells you how many rows that was. Card statements are read the card way: a charge is money out, a payment money in.
Need Excel Instead?
The Bank Statement to Excel converter runs the same reader and writes a workbook with a Transactions sheet and a Summary sheet holding the totals, opening and closing balances and the balance-check result.
Frequently Asked Questions
No. The PDF is read by JavaScript in your browser, scanned pages are OCR'd in your browser, and the CSV is written there too. Nothing is sent to ExcelTool.io or anyone else.
It is not tied to a list of banks. It finds transactions by their shape - a date at the start of a line and an amount at the end - so Chase, Bank of America, Wells Fargo, Citi, Capital One, credit unions and card issuers all work, as long as the PDF is a real statement rather than a photo of a receipt.
Yes. When the PDF has no text layer, OCR starts automatically and reads up to fifteen pages in your browser. Check the balance check afterwards; it is the quickest way to catch a misread digit.
Click Download QuickBooks (.qbo) and import the file with File > Utilities > Import > Web Connect Files in QuickBooks Desktop, or Transactions > Bank transactions > Link account > Upload from file in QuickBooks Online. The QuickBooks Online CSV layout is an alternative for QuickBooks Online.
For every balance the bank printed, the converter checks that the previous balance plus the transactions since adds up to it, to the cent. If every check passes, no transaction was missed and no amount was misread.
Yes. Enter the password when asked; it is used in your browser to open the PDF and is never sent anywhere.