Statements in a spreadsheet, with the balance checked
Many banks only give you a PDF statement, and copying it into Excel rarely works. Columns run together, descriptions split over two lines, and the debit and credit columns get mixed up.
This converter reads each transaction and puts it into fixed columns: date, description, reference, money out, money in and balance. Debits and credits always go in separate columns as positive numbers, which makes totals and pivot tables easy.
Then it checks the result. It adds up money in and money out and compares the closing balance with the one on the statement. It also checks the running balance row by row. If anything is off, for example a missed transaction on another page, you'll see a note before you download.
What the spreadsheet contains
Two sheets per statement. Statements from several months can be combined into one.
| Sheet | Columns |
|---|---|
| Transactions | Date, description, reference (cheque, UTR or transaction ID), debit (money out), credit (money in) and running balance. |
| Summary | Bank, account holder, account (last 4 digits only), statement period, currency, opening balance, total money in, total money out, closing balance and number of transactions. |
| Several statements combined | All transactions in one list with a Source file column, so you can analyse months side by side. |
How to convert a bank statement to Excel
Download the statement from your bank
A PDF from online banking is best. Scans and phone photos of paper statements also work.
Upload it
Add up to 10 statements at once, for example a full quarter or year, month by month.
Check the balance note
If the closing balance matches, the transactions are complete. If not, the note tells you what didn’t add up.
Download as Excel or CSV
Use CSV to import into budgeting or accounting software, or Excel to sort and filter yourself.
Why people convert statements
Budgeting
Sort a few months of spending by description and see where the money goes.
Bookkeeping and reconciliation
Match payments against invoices and receipts in one sheet.
Tax returns
Pull out interest, deductible payments and income for the year.
Loan and visa applications
Summarise income and balances across the months a lender or embassy asks for.
Tips for complete results
- Use the PDF straight from your bank’s website rather than a printed and rescanned copy.
- If the statement is password-protected, open it and save an unlocked copy first. Many banks protect statements with your date of birth or customer ID.
- Statements up to about 15 to 20 pages convert reliably. For longer ones, split them by month with Split PDF.
- If the balance check fails, compare the number of transactions with the statement. A missing page is the usual cause.
- Credit card statements work too. Purchases and fees are treated as money out, and payments and refunds as money in.
Privacy and limits
- Your account number is shortened to its last four digits in the spreadsheet.
- Statements that list newest transactions first are fine, but the running-balance check may flag rows. The closing balance check still applies.
- Summary boxes, page totals and "balance brought forward" lines are not counted as transactions.
Frequently asked questions
How do I convert a bank statement PDF to Excel?
Upload the PDF above, press Convert, check the balance note and download the Excel file. Each transaction appears on its own row with date, description, debit, credit and balance.
Can I get a CSV instead of Excel?
Yes. Download the Transactions sheet as CSV, which most budgeting and accounting apps can import.
Does it work with scanned statements?
Yes. Scans and photos are read with AI text recognition. Clear, straight pages give the best results, and the balance check helps you spot anything that was misread.
Which banks are supported?
The tool isn’t tied to specific banks. It reads the statement layout itself, so it works with statements from most banks and card issuers, in many languages and currencies.
How do I know no transactions were missed?
The tool checks that opening balance plus money in, minus money out, equals the closing balance on the statement. It also checks the running balance on each row. If either fails, you’ll see a warning.
Can I combine statements from several months?
Yes. Upload them together, convert, then choose "All as Excel" or "All as CSV". Every transaction is in one list with a column showing which statement it came from.
Is it free?
You get free daily credits, and each file uses one credit. If you need more, there are optional one-time credit packs. There is no subscription.
Is my bank statement safe?
Your file is sent to Google's Gemini AI to be read, and the result comes straight back to your browser. Toolghar doesn't save the file or the extracted data, and the spreadsheet is built on your device. Account numbers are shortened to the last four digits in the output.