Bank statement PDF to Excel

How to convert a bank statement PDF to Excel

1. Download the statement PDF from online banking. Downloaded statements are text-based and convert cleanly; scans are read with OCR, and phone photos need saving as a PDF first.
2. Upload it above. Utilly reads every transaction and checks that opening balance + transactions = closing balance. You see Balanced ✓, or exactly how far off it is, with the first rows previewed free.
3. Download the CSV / Excel file and open it in Excel (double-click it, or File → Open). Dates and amounts come in as real dates and numbers.
4. Save as .xlsx (File → Save As → Excel Workbook) if you'll add formulas, categories or formatting.

What the Excel file looks like

One row per transaction, in statement order, with four columns:

A signed Amount column is what makes the sheet easy to work with: =SUM(C:C) is the net change for the month, and filtering for negative amounts shows everything that went out.

Check it ties out in Excel

Utilly already runs this check, but it's worth knowing for any statement you put in a spreadsheet. With the opening balance in F1:

=ROUND(F1+SUM(C:C),2)

That should equal the closing balance on the statement. On a credit card statement, where charges are negative, the new balance is =ROUND(F1-SUM(C:C),2). If it's off, the bank statement balance checker shows what the difference probably means (a missing row, a sign flipped, a transaction counted twice).

Doing it yourself: Excel's From PDF, copy and paste, or the bank's CSV

You don't need a converter for every statement. There are three free routes, and which one works depends on your Excel version and your bank. (For free tools beyond Excel, such as Tabula or your accounting software's own PDF import, see free bank statement converters compared.) (Microsoft facts below are from Microsoft's own help pages, checked October 24, 2026.)

1. Excel's Get Data → From PDF (Power Query)

1. In Excel, go to Data → Get Data → From File → From PDF, pick the statement and click Open.
2. The Navigator lists the tables Excel found in the PDF. Click each one to preview it and find the transaction table(s).
3. Choose Transform Data to clean it up in Power Query first (recommended for statements), or Load to drop it straight onto a sheet.

Steps from Microsoft's Import data from data sources (Power Query). If Excel says the connector "requires one or more additional components", Microsoft says the PDF connector needs .NET Framework 4.5 or later on the PC.

Which Excel versions have From PDF? According to Microsoft's Power Query data sources in Excel versions table:

Typical problems with bank statements in From PDF

Power Query finds tables by layout. It has no idea what a balance is, so these are the usual fixes for a statement:

2. Copy and paste from the PDF

It works for a handful of rows. On a whole statement, copying from a PDF usually puts each line in one cell or scrambles the columns, merges wrapped descriptions with the next transaction and loses minus signs. If you try it, paste into Notepad or TextEdit first, then use Excel's Data → Text to Columns (Microsoft's steps) to split it, and run the tie-out check.

3. Download a CSV from your bank instead

If online banking offers a CSV, Excel or QFX download for the dates you need, use it: it's free and already one row per transaction. Open it in Excel, or bring it in with Data → Get Data → From File → From Text/CSV: Microsoft lists the Text & CSV source for every Windows version in its table and for Excel for Mac. The catch is that many banks only offer downloads for recent activity, while statement PDFs go back years. Need the CSV in QuickBooks or Xero? The free CSV to QBO and CSV to Xero converters handle that.

When a converter saves time, and when it doesn't

Two honest limits: Utilly's layouts are tested mainly on US bank and card statements, and the free preview shows the balance check and the first rows, while the full file uses a credit ($9 for 5). The preview costs nothing, so you can see whether a statement balances before deciding.

Common problems

Which PDFs work: downloaded, scanned and password protected

Not sure which kind you have? Open the PDF and try to select a word with your cursor. If you can highlight the text, it will convert.

Several months of statements into one spreadsheet

Upload one statement PDF at a time. Each one gets its own balance check, so if a month doesn't tie out you know which one. Then put them together:

1. Download each month's CSV from its results page. Every file has the same four columns, Date, Description, Amount and Balance, in the same order.
2. In Excel, open the first month, then paste each later month's rows below it, leaving out the repeated header row.
3. Sort by Date if you uploaded the months out of order. Year-first dates sort correctly as dates or as text.
4. Check the total. The first month's opening balance plus =SUM(C:C) should equal the last month's closing balance. If it doesn't, a month is missing or pasted twice.

A full statement uses one credit: $9 buys 5, and Pro at $19/month is unlimited for bookkeepers converting a backlog. For the whole catch-up process, see catch-up bookkeeping from bank statements.

Checking and savings on one statement

Some banks print two accounts in one PDF, such as Capital One 360 checking with Performance Savings, Citibank checking with savings, or PNC Virtual Wallet's Spend and Reserve accounts. Utilly reads every account on the statement and checks each one against its own opening and closing balance, so you see Balanced ✓ (or how far off) per account.

• One Excel file with everything: the combined CSV has an Account column first (for example Performance Savings ··7788), then Date, Description, Amount and Balance. Filter or pivot on Account, or use =SUMIFS(D:D,A:A,"Performance Savings ··7788") for one account's net change.
• Each account's own file: every account has its own tab on the results page, with its own CSV and import files (.QBO, Xero CSV, Wave CSV and the rest), named after the account (for example …-performance-savings-7788.qbo). Import files are one account per file because QuickBooks, Xero and Wave each import into one account at a time.
• One credit for the whole statement, however many accounts it holds. Converters that price per account charge more for the same PDF: MoneyThumb's FAQ says one statement with a checking and a savings account is 2 conversions (MoneyThumb FAQ, read Oct 26, 2026).

Reconciling both accounts against the books? Do them one at a time: comparing a statement with several accounts to the general ledger. Combined layouts tested so far: Capital One 360, Citibank and PNC Virtual Wallet (made-up sample statements). Other banks' combined statements aren't tested yet, so check that the number of account tabs matches your statement.

Google Sheets instead of Excel

The download is a standard CSV, so it opens in Google Sheets too. In a spreadsheet, click File → Import, upload the CSV and choose Create new spreadsheet. For the next month, import into the same sheet with Append rows to current sheet, then delete the extra header row it adds. Leave the separator on Detect automatically (it's a comma). These steps are from Google's help article Import data sets & spreadsheets. For a formula that proves the sheet still balances and fixes for amounts that import as text, see getting a bank statement into Google Sheets.

Already have an OFX or QFX file?

Banks that still offer OFX or Quicken QFX downloads don't need the PDF converter. Upload the file to the OFX / QFX to Excel converter: free up to 100 transactions, and you get the same Date, Description, Amount and Balance CSV.

Bank-specific pages

Layouts tested for Chase, Bank of America, Wells Fargo, Capital One, U.S. Bank, Citibank, PNC, Truist, Navy Federal, Citizens, Regions, Huntington, Ally, USAA and American Express statements. Any text-based PDF statement is worth a free preview. Catching up on months of statements? See catch-up bookkeeping from bank statements.