General Ledger + Converter in one subscription.
See pricingBY CARD · DISCOVER
To convert a Discover card statement to Excel, download the statement PDF from your Discover account (or Capital One, once your account has moved), upload it to the ZeraBooks bank statement converter and download Excel or CSV. ZeraBooks proves it the way a card works: the previous balance, less payments and credits, plus every new charge, equals the new balance.
7-day trial · card required, nothing charged for 7 days · 1,000 pages a month from $79/month billed annually
STEP 1 · DOWNLOAD
Where you sign in depends on whether your card has moved to Capital One yet. Capital One says Discover card accounts move over through 2026 and early 2027. The full walk-through is in Download your Discover statements.
Still on discover.com? Sign in there. Already moved? Sign in to Capital One, where the card keeps its Discover name; see Capital One statement to Excel.
Statements are listed with the card account, one per billing period.
A Discover period closes on the same day each month, so it rarely runs from the 1st to the 30th. If an old month is missing, ask Discover or Capital One for it.
Not the activity download: a CSV from the activity page usually has no previous or new balance, so nothing can prove it is complete.
Try it on your own documents. One-week free trial, both apps included.
HOW DISCOVER LAYS IT OUT
Discover says its account summary shows the previous balance and a total for each kind of activity in the cycle. The transactions follow, and then a few blocks that look like money but aren’t.
| Part of the statement | What it holds | In the converted file |
|---|---|---|
| Account summary | Previous balance, payments and credits, purchases, balance transfers, cash advances, fees, interest, new balance | Used for the proof, not rows |
| Payment information | Minimum payment, due date and the late payment warning | Not rows |
| Payments and credits | Payments to the card and refunds from merchants | Rows, positive: Type Payment or Credit |
| Purchases | Each charge with its date and merchant | Rows, negative, Type Charge |
| Fees and interest charged | Late fees, cash advance fees, interest for the period | Rows, negative, Type Fee or Interest |
| Cashback Bonus summary | Typically the opening bonus, what was earned and redeemed, and the closing bonus | Not rows: rewards earned don’t move money |
| Interest charge calculation | Rates and balances subject to interest | Not rows |
Card products and statement versions differ, so treat this as the typical shape. One case is worth knowing: Cashback Bonus redeemed as a statement credit does reduce what you owe, and it is listed with payments and credits. That line is a row. The bonus summary next to it is not.
WORKED EXAMPLE
Pine Street Pottery is a fictional studio that runs its supply buying through a Discover business card ending 3307. The billing period is 09/24/2026 to 10/23/2026, last month was paid in full and one order was refunded. In the Standard format:
| Date | Description | Type | Amount |
|---|---|---|---|
| 09/27/2026 | Clay Planet supplies | Charge | -712.40 |
| 10/02/2026 | USPS | Charge | -64.38 |
| 10/05/2026 | Internet payment, thank you | Payment | 1,846.22 |
| 10/09/2026 | Etsy fees | Charge | -189.99 |
| 10/14/2026 | Clay Planet supplies, refund | Credit | 42.50 |
| 10/19/2026 | Home Depot | Charge | -233.17 |
| Sum of Amount = previous 1,846.22 − new 1,157.44 | 688.78 |
The proof: 1,846.22 − 1,846.22 − 42.50 + 1,199.94 = 1,157.44, the new balance Discover printed. Fees and interest were zero because September was paid in full. The statement also showed Cashback Bonus earned this period; it isn’t in the file because it moved no money. On a card, charges are negative and payments positive, so the column adds up to how much the balance went down.
A CARD, NOT A BANK ACCOUNT
A bank statement starts with money you have. A card statement starts with money you owe. So the check runs the other way: the previous balance, less what you paid and what was refunded, plus what you charged, plus fees and interest, has to land on the new balance printed on the statement.
That is why the payment and the refund are both positive in the file but are not the same thing. The payment moved money from your bank to the card. The refund took back part of a purchase. For books, the payment is a transfer and the refund reduces the supply cost. The Type column keeps them apart, and credit card statement to Excel covers the card side in general.
Discover also offers checking and savings. Those statements are bank statements and are proven on their beginning and ending balance. Upload them to the same page; ZeraBooks tells a card from a bank account by what the statement prints.
WHAT GOES WRONG
Card statements are short, and the mistakes are in the signs and the extras.
Payments, refunds and purchases can all print as plain numbers in their own blocks. Paste them into one column and the month adds up to a huge charge.
The Cashback Bonus summary has dollar amounts in it. Copy the page and they land beside real charges.
A statement that closes on October 23 holds September charges. Dates without a year go wrong on a period that closes in January.
After the switch to Capital One, the next statement comes from a different site. Keep both runs of PDFs; each statement still proves on its own previous and new balance.
AFTER THE FILE
INTO THE BOOKS
The import-ready downloads for QuickBooks Online, Xero or Sage write charges as negative and payments as positive, from a statement already proven. Want the books kept for you from the same PDFs? See AI bookkeeping.
OTHER CARDS
Upload every card’s statements together and download them as one file with an Account column. Amex statements with several card members are covered in American Express statement to Excel.
MORE BANKS
Yes. Discover became part of Capital One on May 18, 2025. Capital One says card accounts move to its website and app in 2026 and early 2027, and the card keeps its Discover name. Once yours has moved, download statements from Capital One.
Only when it moved money. Cashback Bonus redeemed as a statement credit is a credit row. Bonus earned or carried over is left out, because it isn’t a transaction.
Yes. Upload it to the same page. It is proven as a bank account, on its beginning and ending balance, rather than as a card.
No. ZeraBooks has no bank or card feeds and never asks for your Discover sign-in. You download the PDF and upload it.
Card and bank statements share one allowance: 1,000 pages a month for $79 a month billed annually or $149 monthly, after a 7-day trial. See ZeraBooks pricing.
ONE-WEEK FREE TRIAL
1,000 pages a month from $79 a month billed annually. Other cards and banks: Chime, Citizens Bank, Capital One and Citi.