Finance · Privacy-aware
Bank Statement PDF to XLSX Converter
Convert bank statement PDFs into clean Excel files for accounting, reconciliation, budgeting, loan documents, and business records.
Your bank statement is processed in your browser.
Your file and its contents are processed on your device. On this site, the statement is not uploaded to our servers, and we do not intentionally store it.
If a scanned statement needs OCR, running it downloads the open-source OCR engine and language data from a public CDN — that download contains no part of your file.
Upload bank statement PDF or choose a file
PDF only · up to 25 MB · processed in your browser
What this tool extracts
Date & value date
Transaction and value dates, normalised to a real Excel date.
Description / narration
Full narration, with multi-line wrapped text kept together.
Reference / UTR / cheque
UPI/IMPS/NEFT references and cheque numbers where present.
Debit, credit & balance
Separate debit/credit columns, or a single amount split by CR/DR or balance movement.
Transaction type
UPI, NEFT, RTGS, IMPS, ATM, POS, cheque, charges, interest, EMI, salary… (rule-based).
Category (draft)
Suggested categories for budgeting — editable, never authoritative.
Monthly summary
Per-month debit, credit, net flow, and balances.
Validation & confidence
Running-balance reconciliation with a per-row confidence and review flags.
How to convert a bank statement PDF to Excel
- 1
Upload your bank statement PDF
Drop a statement PDF from your device. It is read directly in your browser — nothing is uploaded.
- 2
FormatOS reads the transaction table
Text is extracted with PDF.js, columns are detected, dates and amounts are normalised, and balances are reconciled.
- 3
Review extracted rows and highlighted issues
Edit any cell, delete or add rows, and check the rows flagged for review. Totals and confidence update live.
- 4
Download a clean XLSX workbook
Export Transactions, Summary, Monthly, Category, Transaction Types and a Review Flags sheet — or CSV / a review report.
Accuracy notes
- Digital (text-based) PDFs work best — those exported from net banking give the highest accuracy.
- Scanned PDFs need OCR, which is slower and less accurate; the tool detects scans and asks before running OCR.
- Bank formats vary widely; a generic parser handles unknown layouts and reports lower confidence.
- Designed for high accuracy, but not 100% — always review highlighted rows before accounting, tax, or loan use.
- Nothing is fabricated: unreadable values are left blank and flagged, never guessed.
Privacy & file safety
Bank statements contain sensitive financial information. On this site FormatOS processes your file in your browser — the PDF, its text, your account number, balances, narration, and transactions are not uploaded, stored permanently, logged, or sent to analytics. The account number is shown masked (XXXX1234), the raw-text audit sheet is off by default, and Excel cells are protected against formula injection. Review our File Handling and Privacy Policy before uploading sensitive files.
Common use cases
What's in the Excel workbook
Transactions
Date, value date, description, reference, debit, credit, balance, transaction type, category, confidence, page, notes.
Summary
Statement period, bank, masked account, opening/closing balance, totals, low-confidence count, validation status, disclaimer.
Monthly Summary
Per-month debit, credit, net flow, opening/closing balance, transaction count.
Category & Type
Category Summary and Transaction Types sheets with debit/credit/net and counts.
Review Flags
Only the rows needing review, with the issue, a suggested fix, and confidence.
Raw Extract (optional)
Off by default. Raw page text for audit/debugging — enable only if you need it.
Frequently asked questions
Yes, for text-based SBI statements (the kind you download from net banking). The parser recognises common SBI layouts and falls back to generic extraction otherwise. Always review the extracted rows before use.
Yes. HDFC statements with selectable text — including the Narration, Withdrawal/Deposit and Closing Balance columns — are supported. Scanned HDFC statements require OCR and should be reviewed carefully.
Yes. If the PDF is locked, you can enter the password locally — it is used only to unlock the file in your browser/session, and, on this site, is not uploaded or intentionally stored.
No. On this site the statement is read and converted entirely in your browser. The file, its text, account details, balances, and transactions are not uploaded, stored, logged, or sent to analytics.
Scanned (image) statements need OCR. The tool detects them and offers optional in-browser OCR, but OCR is slower and less accurate. For best results, use a text-based PDF exported from net banking.
A row is flagged when its running balance doesn't reconcile, when the debit/credit direction couldn't be confirmed, when a value is missing, or when it looks like a duplicate. Flagged rows are highlighted so you can verify them.
Yes. Every cell in the preview is editable — you can fix dates and amounts, change the type/category, and delete or add rows. Totals, balance validation, and the confidence score update live as you edit.
Yes. The workbook includes a Monthly Summary sheet (debit, credit, net flow, opening/closing balance, count per month), plus Category Summary and Transaction Types sheets.
You can use it to organise your data, but you must verify it first — especially flagged rows. This is a conversion tool, not tax, accounting, or financial advice. Confirm figures with your accountant before filing.
Validation compares previous balance + credit − debit against the printed balance (within ₹0.01). It can fail when a row's amount or direction was misread, when the statement omits some rows, or for OD/CC accounts with negative balances. Review and correct the flagged rows.
Up to 25 MB. Larger statements can be slow or run out of memory in the browser — split the PDF into shorter date ranges, or export a smaller period from net banking.
Disclaimer
This tool is for conversion and organization only. It is not financial, legal, accounting, or tax advice. It only converts an existing bank statement PDF into a spreadsheet — it does not edit, modify, or generate statements, and it cannot change balances. Accuracy depends on PDF quality and bank format. Always verify extracted data before using it for official records, accounting, tax filing, or loan documentation.
Read the full methodology, accuracy notes, and known limitations →