Private bank statement converter
Credit card statement PDF to Excel.
Purchases, payments, refunds and fees — converted from your PDF card statement into a spreadsheet with the signs the right way round. Nothing is uploaded.
- Never uploaded. Runs on your device — works with Wi-Fi off.
- Balance-checked. Every row is proven against the running balance.
- Import-ready. Excel, CSV, Xero / QuickBooks / Sage CSV, OFX, QIF.
Transactions
| # | Date | Description | Money in | Money out | Balance | Check | Delete |
|---|
Tip: click a cell to fix it. Rows marked check don't add up against the running balance; compare them with your PDF.
Built for expense reports and reconciliations
Card statements often split charges and credits into separate columns or mark payments with “CR”. BankRows reads those conventions, so purchases come out as money out and payments and refunds as money in. Foreign-currency amounts in the description are kept as text.
How it works
- 1
Drop your PDFs
Download statements from online banking and drop them in. Password-protected? Enter the password; it never leaves your device.
- 2
We read and check every row
BankRows reads the statement's layout — dates, descriptions, money in and out — and checks each transaction against the running balance.
- 3
Download a clean file
Excel, CSV, or an import file for Xero, QuickBooks, Sage, Wave or Quicken. Combine a year of statements into one.
Why not just paste it into an AI chatbot?
Your statement is private
Chatbots send your file to their servers. BankRows never receives it — conversion happens inside your browser.
Chatbots can skip or invent rows
On long statements it's easy for an AI to drop or misread a line without telling you. BankRows proves every row against the balance.
A year at once
Drop twelve statements and get one combined, sorted file in seconds — no copy-pasting, no prompts.
Real import files
Proper .xlsx, OFX and accounting CSVs that your software accepts first time — not text you have to clean up.
Simple pricing
Free preview
$0
- Convert and preview any statement in your browser
- Full balance check on every row
- Download the first 25 rows in any format
BankRows for Windows native desktop app
$9 once
- Native Windows 10 / 11 app — yours to keep
- Unlimited statements and rows
- All formats: Excel, CSV, Xero / QuickBooks / Sage CSV, OFX, QIF
- Combine many statements into one file
- 100% offline — the app never connects to the internet
- Free updates · 14-day no-questions refund
No subscription. Most cloud converters charge monthly — and upload your statements.
Questions
My card statement has no running balance — can it still be checked?
Card statements usually only show totals, so rows can’t be checked one by one. BankRows still converts them; compare the money in/out totals shown above the table with your statement summary.
Is my statement uploaded anywhere?
No. The free preview converts the PDF inside your browser — the file never leaves your device, and it keeps working with Wi-Fi switched off. The desktop app goes further: it never connects to the internet at all.
What does “balance-checked” mean?
Most statements print a running balance. BankRows checks that every transaction moves the balance by exactly its amount. If a line had been skipped or misread, the numbers wouldn’t add up — and that row is flagged for you to look at.
Will it work with my bank?
BankRows reads the layout of the statement instead of relying on a fixed template per bank, so it handles most text-based PDF statements — bank accounts and credit cards, in most currencies and date formats. The preview is free: you’ll see your own statement converted and checked before you pay anything.
Can it read scanned or photographed statements?
Not yet. It needs a text-based PDF — the kind you download from online banking or your banking app. If you only have a paper copy, most banks let you download past statements online.
What about password-protected PDFs?
Enter the password when asked. It’s used only in your browser to open the file.
What do I get for $9?
BankRows for Windows — a native Windows 10/11 app with unlimited statements and rows, every export format and combined files, running completely offline. You get the download straight after checkout and in your receipt email, plus free updates.
Is there a Mac version?
Not yet — BankRows is a native Windows app. On a Mac you can still use the free preview on this website, which runs in any browser.
Windows says “Windows protected your PC”. Is it safe?
That message appears for new apps from small developers who haven’t bought a code-signing certificate. Click “More info”, then “Run anyway”. The app never connects to the internet, so your statements stay on your computer.
Can I get a refund?
Yes — within 14 days, no questions asked. Just reply to your purchase receipt.