General Ledger + Converter in one subscription.
See pricingBANK STATEMENT CONVERTER
Upload a bank or card statement PDF. Get every transaction back in Excel or CSV, checked against the printed balances.
7-day free trial · 1,000 pages a month from $79/month billed annually · General Ledger included
TRY IT FREE
Drop a PDF bank or credit card statement, up to 5 pages. You’ll see every transaction and the balance check, exactly as in ZeraBooks Convert.
ZeraBooks is a bank statement converter that turns PDF bank and credit card statements into Excel or CSV rows: date, description and amount. It splits each statement by account and cardholder, proves every one against the printed opening and closing balances to the cent, and downloads Standard, QuickBooks-, Xero- or Sage-ready files.
HOW IT WORKS
ACCOUNTS AND CARDHOLDERS
A statement that holds several accounts is split by account, each with its own transactions. A card statement with several cardholders, such as an Amex with extra cards, assigns every charge to its cardholder. Move a transaction to another account, correct a row or add a line the statement shows that wasn’t read.
Bank and credit card statements
PROVEN TO THE CENT
For a bank account, opening balance plus transactions must equal the closing balance. For a card, previous balance plus charges minus payments must equal the new balance, and each cardholder’s charges must match their printed total. A statement is Proven only when every figure matches to the cent; if it doesn’t, Convert reads it again automatically and shows you exactly how far off each account is.
How Convert proves a statement
READY-MADE FORMATS
Download Excel or CSV in a ready-made format: Standard, Money in and out, QuickBooks-ready, Xero-ready, Sage-ready or All details. Tick several statements to download a whole month in one file, or one file per account. Step by step: convert a bank statement to Excel, convert a bank statement to CSV, or PDF to QuickBooks as a QuickBooks-ready CSV.
Choose a download format
FREE SETUP
A bank with an odd layout, statements with several accounts, or a file your software needs in a set format? Book a quick call. We set ZeraBooks up for your documents for free and show you the result within a few days.
DEFINITION
A bank statement converter is software that reads a bank or credit card statement, usually a PDF, and turns every transaction on it into structured rows (date, description, amount and balance) in a format a spreadsheet or accounting system can import, such as Excel or CSV.
WHAT YOU GET
A fictional business checking statement for September 2026: an opening balance of 4,210.55, five transactions printed across three sections, and a closing balance of 5,622.13. Converted in the Standard format, the sections become one dated list with a signed Amount, and the proof runs before you download.
| Date | Description | Type | Amount |
|---|---|---|---|
| 09/02/2026 | Customer deposit, invoice 1184 | Deposit | 3,400.00 |
| 09/05/2026 | Check 2207, office rent | Check | -1,650.00 |
| 09/12/2026 | ACH payment, payroll provider | Withdrawal | -2,118.42 |
| 09/19/2026 | Card settlement deposit | Deposit | 1,812.00 |
| 09/30/2026 | Monthly service fee | Fee | -32.00 |
| Opening 4,210.55 + rows = printed closing | Proven | 5,622.13 |
The check behind “Proven”: 4,210.55 + 3,400.00 − 1,650.00 − 2,118.42 + 1,812.00 − 32.00 = 5,622.13, to the cent. If one digit had been misread, the statement would show Needs a look with the account and the gap, before any file is made. Bank by bank, the layouts differ: see Chase, Bank of America and Wells Fargo.
TWO ACCOUNTS, ONE PDF
Credit unions often print checking and savings on the same statement. ZeraBooks splits them and proves each one on its own: Share Draft Checking opens at $6,923.53, loses $6,206.24 and closes at $717.29; Money Market opens at $12,055.33, gains $871.47 and closes at $12,926.80. Both match the printed balances. A single combined total would hide a misread line in either account. When a proof fails, the size of the difference points to the line.
MORE THAN BANK STATEMENTS
Convert reads more than bank statements. Written checks go through the check converter, and brokerage and retirement statements through the investment statement converter.
Split by account and cardholder, proven to the cent, downloaded in six ready-made formats.
Check number, date, payee, memo and amount, with the amount in words checked against the figures.
Account values, holdings and cash activity, each proven against the statement’s own figures.
Vendor, invoice details and every line item, downloaded as an invoice sheet or a bills import. See invoice PDF to Excel.
Profit and loss, balance sheet and cash flow statements, every line with its totals checked. See financial statement PDF to Excel.
BY BANK
Each bank lays its statement out differently. These guides show where to download the PDF, how that bank prints it and what the converted file looks like.
Chase bank statement to Excel: deposits, checks and electronic withdrawals merged into one dated list, with the year the statement leaves out.
Bank of America statement to Excel: credits, debits and the separate checks block, and how the section names changed.
Wells Fargo statement to Excel: two amount columns made into one signed column, without the half-filled balance column.
Capital One statement to Excel: the Spark card statement’s transactions without its summary boxes, proven against the new balance.
Citi bank statement to Excel: a combined Citi statement split by account, with the balance lines Citi prints inside the table left out.
U.S. Bank statement to Excel: dates printed without a year and withdrawals with a trailing minus, written as full dates and signed amounts.
TD Bank statement to Excel: the Daily Account Activity blocks in one list, and what the asterisk in Checks Paid means.
PNC bank statement to Excel: Activity Detail merged, fee tables left out, and an overdrawn balance read with its minus.
American Express statement to Excel: charges under each card member, each checked against the total Amex printed for them.
Chime bank statement to Excel: Checking, Savings and Credit Builder split out of one Chime PDF, each proven on its own.
Discover statement to Excel: card charges and refunds proven to the new balance, with Cashback Bonus lines left out.
Regions bank statement to Excel: withdrawals, fees, automatic transfers and checks back in one dated list.
Truist bank statement to Excel: Credits and Debits made into one signed column, and the Account Analysis statement explained.
Huntington bank statement to Excel: the (+) and (-) in each heading carried onto every row.
Citizens Bank statement to Excel: Transaction Details merged and proven from Previous Balance to Current Balance.
Fifth Third bank statement to Excel: what the 24 months online mean for a catch-up, and a proven month.
Bluevine bank statement to Excel: the main account and every sub-account proven, then in one file.
HOW WE COMPARE
We ranked 12 bank statement converters on what they cost at 100, 1,000 and 2,500 pages, the files they write, and whether they prove each statement against its printed balances. ZeraBooks ranks first, and we make it, so the rankings show every rival price with the date we read it. Got one job to do? See the picks for PDF to Excel, accountants and scanned statements.
BEFORE YOU CONVERT
Loan statement to Excel: the principal, interest, escrow and fee columns, the checks that prove them, and what Convert does and doesn’t read.
How to import a PDF bank statement into QuickBooks: the four routes, the 3- and 4-column CSV layouts and the checks before upload.
How to use QuickBooks Spreadsheet Sync: who has the Excel add-in, which records it imports, and a six-bill batch with one error fixed.
How to get a bank statement: where the big U.S. and Canadian banks keep statement PDFs.
Canadian bank statement converter: RBC, TD, BMO, Scotiabank, CIBC, Desjardins: download and convert.
RBC statement converter: download RBC statements and turn the PDF into Excel or CSV.
Desjardins statement converter: accèsD statements into Excel or CSV, checked to the balance.
Navy Federal statement converter: combined Navy Federal PDFs split by account into Excel.
Synchrony statement converter: synchrony savings and store card statements into Excel.
AutoEntry review: credits per page, what a statement really costs, and the better option.
Veryfi review: A developer API priced per statement, and who it suits.
DocuClipper vs Nanonets: page bundles against block runs, compared on real statements.
MoneyThumb vs DocuClipper: per-account conversions against per-page pricing.
Dext vs Hubdoc: how each handles bank statements, and what both miss.
Zoho Books statement import: the files Zoho Books takes, the steps and the date fixes.
Wave statement import: the 3-column CSV Wave wants, and getting a PDF into it.
Sage statement import: the Sage CSV column order and the steps to import it.
CSV into QuickBooks Desktop: batch Enter, Web Connect and what Desktop accepts.
CSV to QBO format: what a .qbo file holds, field by field, and when to skip it.
QBO to CSV: turn a .qbo file into rows of date, description and amount.
QFX to CSV: read a QFX card file into a CSV, signs included.
CSV to OFX: wrap CSV rows in OFX, and when you need to.
MYOB bank statement import: the OFX and QIF files MYOB takes, the steps and the fixes.
Monzo statement converter: download Monzo statements and turn a PDF into Excel or CSV.
QuickBooks data import guide: every way to get lists and transactions into QuickBooks Online.
Best receipt scanner apps: receipt apps compared by where the receipts end up and cost.
OFX to Excel: open an OFX or QFX file in Excel, and the pitfalls.
Export a credit card statement to CSV: download card activity as CSV, and what to do past the limit.
Amex statements into Xero: the Amex feed, the CSV route and the signs on a card account.
Ocrolus review: lending document automation: who it fits and who it doesn’t.
MT940 bank statement converter: read an MT940 file tag by tag and turn it into a spreadsheet.
RazorExtract vs ZeraBooks: RazorExtract and the ZeraBooks converter, side by side.
Dext review: what Dext does for receipts and statements, its plans and limits.
Dext vs AutoEntry for multi-currency statements: how each handles statements in more than one currency.
Rossum review: enterprise document AI for invoices: who it fits and who it doesn’t.
Hubdoc pricing per user: what Hubdoc costs today and what per user means for a firm.
Xero bank statement import guide: import a statement into Xero: formats, CSV columns and fixes.
Xero bank feed setup: set up a Xero bank feed, and fill the months it misses.
QuickBooks CSV import guide: the 3- and 4-column bank CSV, limits, steps and error fixes.
Bank statement examples: common statement layouts, how to read them and what to keep.
Bank statement OCR: the signs, years and extra rows OCR gets wrong on statements, and the balance checks that catch them.
Dext alternative: bank statements moved off Dext’s extraction add-on, with every account proven.
Hubdoc alternative: statements from any bank, up to 500 pages, with the balance column kept.
Nanonets alternative: the row-by-row review Nanonets asks for, done by a proof against the printed balances.
AutoEntry alternative: what statements cost at 3 credits a page, and the plan each volume needs.
OCR accounting software: where reading a PDF goes wrong and why each document is checked against its own totals.
Brokerage statement to Excel: positions, activity and reinvested dividends as rows, and the cash check that proves a month.
Bank statement analysis: deposits net of transfers, NSF counts and balances for a lender, a court or an audit.
Forensic bank statement analysis: prove a statement production is complete, find the missing month and trace every row to its PDF.
STEP BY STEP
Need the PDF first? Our guides show how to download bank statements from Chase, Bank of America, Wells Fargo, American Express and other banks.
Create your account and start the 7-day trial. A card is needed at checkout; nothing is charged for 7 days.
Open Bank & Credit Cards and click Upload statements, or drop PDFs anywhere on the page. Up to 50 MB and 500 pages per file, several at once.
Reading usually takes under a minute. A Proven statement adds up to its printed balances to the cent; Needs a look shows which account is off and by how much.
Click Download, pick a format such as QuickBooks-ready, choose CSV or Excel, and download.
ZERABOOKS VS DOCUCLIPPER
The longer side-by-side pages: ZeraBooks as a DocuClipper alternative, a MoneyThumb alternative or a ProperSoft alternative. Each one shows why ZeraBooks is the better pick, with every competitor fact sourced.
| Feature | ZeraBooks Convert | DocuClipper |
|---|---|---|
| Pages and price | 1,000 pages: $149/mo or $948/yr · 2,500 pages: $249/mo or $2,148/yr · 5,000 pages: $599/mo or $5,388/yr | Starter 60 pages $29, Business 640 pages $159, Business 1,000 pages $219, Enterprise 1,800 pages $399 a month; 30% off billed annually |
| Free trial | 7 days (card needed at checkout) | 14-day free trial, no card required, up to 120 pages |
| Download files | Excel or CSV in Standard, Money in and out, QuickBooks-ready, Xero-ready, Sage-ready and All details formats | Excel, CSV, QBO, IIF, OFX, QFX, QIF |
| Statement proof | Every account and cardholder proven to the cent against the printed balances | Says it runs reconciliation checks on the output |
| Also included | The ZeraBooks General Ledger, in the same subscription | — |
Competitor facts from their public pages, checked October 11, 2026: DocuClipper. Prices and features change; check each vendor before you buy.
Yes. Trucking bookkeeping automation covers settlement statements for firms, and owner-operator bookkeeping covers a single truck, with a monthly trucking bookkeeping checklist.
Yes. The CommBank worked example follows one September statement from the PDF to a proven Excel file, and why a converted statement doesn’t add up shows what a failed proof tells you.
Software that turns a PDF bank or credit card statement into structured rows of data, such as date, description, amount and balance, that you can open in Excel or import into accounting software.
A converter is only as good as its checks. ZeraBooks Convert proves every account against the balances the bank printed, to the cent, and marks a statement Proven only when everything ties. If something is off, it tells you which account and by how much before you download.
ZeraBooks Convert isn’t free or unlimited: it has a 7-day free trial, then plans by pages per month, starting at 1,000 pages for $79 a month billed annually. Pages from a document that couldn’t be read never count.
Yes. Card statements are proven as previous balance plus charges minus payments equals the new balance, and statements with several cardholders, such as Amex, are split by cardholder. Our guide to credit card statement to Excel shows the columns you get and how to check the new balance.
Convert reads PDFs, including scanned PDFs. Image, CSV and Excel files are refused; save or print them to PDF first. Our guide to scanned bank statement to Excel shows how to check the numbers on a scan.
Yes, through a file. There is no Google Sheets connection: download CSV and import it with File, Import. The guide to bank statement to Google Sheets covers the import settings that matter.
Yes. Upload them, tick them in the list and download them together as one file with an Account column on every row. Family law and forensic work is the common case; see bank statements for divorce. The steps and the month-to-month balance check are in combine bank statements.
No. Documents come in only as PDFs you upload, and data goes out only as files you download, ready for QuickBooks, Xero, Sage or a spreadsheet. Want to keep the books in ZeraBooks instead? AI bookkeeping in the General Ledger is included in the same subscription.
1,000 pages: $149/mo or $948/yr · 2,500 pages: $249/mo or $2,148/yr · 5,000 pages: $599/mo or $5,388/yr. Yearly plans give the whole year’s pages upfront. There are no overage bills, and the General Ledger is included; see ZeraBooks pricing. Accounting firms can have the Converter tailored to their documents and download layout for free; for more volume or a custom build, ZeraBooks Enterprise builds custom solutions for accounting firms.
FREE SETUP + CATCH-UP
Upload a PDF, check the proof, download a QuickBooks-, Xero- or Sage-ready file. Keeping books for clients? See ZeraBooks accounting software for accountants. Rather have the statements turned into finished books for you? See our bookkeeping services.