Bank statement converter: any bank’s file, one clean format
Drop statements from any bank. Dates, amounts and columns are put into one common format, the balance is checked, and you download Excel, CSV, OFX or QIF.
- 100% free
- No usage limits
- No sign-up
- Nothing uploaded: runs in your browser
No file at hand?
Statements
Columns of
Detected automatically. Change anything that looks wrong and the result updates.
Transactions
Output options
How to use it
- Drop one or more statements, in any mix of formats.
- Check the balance status of each one. For CSV and Excel files, open “Columns” if something was detected wrongly.
- Choose a format and download. Excel includes a second sheet with a summary of each statement.
Why bank CSV files are so awkward
There is no standard bank CSV. One bank uses a semicolon and 1.234,50, another uses a comma and 1,234.50. Some have one amount column, others have debit and credit columns or a separate D/C column. Dates can be day first or month first, and many exports start with several lines of titles. That is why importing them directly into a spreadsheet or accounting program so often goes wrong.
The output columns
Every file ends up with the same columns: date, value date, description, payee, reference, amount, money in, money out, currency, balance, account, type, counterparty account and source file. Money in is always positive and money out is always negative, so totals can be added straight away.
When it helps
- Combining accounts from several banks into one budget or cash-flow sheet.
- Preparing a year of statements for your accountant in a single file.
- Loading statements into accounting software that only accepts some formats.
- Preparing the bank side before a bank reconciliation.
Private by design
A statement shows your income, your rent and who you pay, so it should not need uploading to convert it. Here the file is read by code running on your device, and nothing is sent to a server. You can check it in your browser’s network panel.
Known limitations
- PDF statements are not read. Convert them to Excel first with the PDF tools and check the result, because PDF extraction can misread rows.
- A .qbo file is read but not written: QuickBooks Desktop requires an Intuit bank ID that cannot be validated here. Use OFX, or the 3-column CSV for QuickBooks Online.
- OFX requires a closing balance. If your source has none, the file contains the sum of the transactions, which is not your real balance.
- Investment transactions in OFX and QIF are not read. Split lines in QIF are kept as one transaction with its total.
- File size is limited by your device memory, not by any quota. The work runs on the page, so very large files can pause it for a moment.
Frequently asked questions
Is this bank statement converter really free?
Yes. It is 100% free, with no usage limits, no account and no sign-up. There is no paid plan and no feature is locked.
Are my bank statements uploaded to a server?
No. Your files never leave your device: they are read and converted inside your browser. The page only downloads its own code and open-source libraries from this site. If you accept analytics cookies, Google Analytics receives anonymous usage data such as page views, never the contents or names of your files.
Does it work with my bank?
It does not rely on a list of banks. It reads the file itself: it looks for the header row and recognises column names in several languages, then works out the decimal separator and the date order from the values. If something is detected wrongly, you can correct every column by hand.
My bank adds lines above the table. Is that a problem?
No. Titles, account holder and balance lines before the header are skipped. Total lines at the end are not counted as transactions, and any row that could not be read is listed so you can check it.
What does “Balance OK” mean?
When the file has opening and closing balances, the tool checks that opening balance + transactions = closing balance, to the cent. In a CSV with a balance column it checks every row against the previous one, in either order. If it does not add up, you are told by how much, or on how many rows.
Can I combine statements from several months or banks?
Yes. Drop them together, in any mix of formats. If two statements overlap, tick the option to remove repeated transactions: a repeat is only removed when it comes from another file, so two identical purchases on the same day in one statement are both kept.
Which format do I need for QuickBooks or Xero?
Download the 3-column CSV (Date, Description, Amount) and map the columns in their bank import screen, or use OFX. Choose the date format your import expects under Output options.
Can it read PDF statements?
No. Use the PDF tools at pdf.utilthings.com to convert the PDF to Excel first, then load the result here. The balance check helps you find rows the PDF conversion got wrong.
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