How does Zero-Knowledge bank statement conversion work?

Unlike legacy cloud converters that upload your bank statements to external cloud servers, StatementToExcel compiles PDF parsing logic into client-side WebAssembly and Web Workers. The PDF bytes are read directly into your local browser RAM via HTML5 FileReader. Not a single row of transaction data, bank balance, or account number ever leaves your device.

How does StatementToExcel verify statement reconciliation math?

StatementToExcel implements double-entry verification math: Starting Balance + Total Inflows (Deposits) - Total Outflows (Withdrawals) == Statement Ending Balance. If any OCR misread or missing line causes a discrepancy, StatementToExcel highlights the exact row and displays the math variance in real-time.

What formats can I export to?

You can export in 1 click to: (1) QuickBooks Online 3-column CSV (Date formatted MM/DD/YYYY, Description, Amount), (2) Xero CSV (*Date, *Amount, Description, Reference), and (3) Universal Excel (.xlsx) featuring both formatted transaction ledger and an executive reconciliation summary tab.

Which banks are supported?

StatementToExcel supports statements from all major institutions including JPMorgan Chase, Bank of America, Wells Fargo, Citibank, Silicon Valley Bank, Mercury, Brex, Capital One, American Express, PNC, US Bank, Barclays, HSBC, and standard regional credit unions.

Is there a free trial?

Yes! You can convert up to 3 pages completely free without creating an account or entering a credit card. Authenticated users get 5 pages free every month. Paid plans start at $19/mo for 150 pages.

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Terms of Service

Last Updated: November 1, 2026 • Governed by Paddle.com (Merchant of Record)

Fair, Transparent Terms for Professional Users

By accessing or using LedgerVault, you agree to these Terms. Our software operates on a 100% Zero-Knowledge basis to convert bank statement PDFs into standardized spreadsheet formats (QuickBooks Online QBO 3-Column CSV, Xero CSV, Excel .xlsx).

1. Service Description & In-Browser Processing

LedgerVault provides a web-based productivity application allowing users to parse, organize, and export bank statement PDF files. All document parsing executes locally in the user's browser using client-side WebAssembly. No copies of uploaded statements or customer financial figures are stored on our servers.

2. Verification & Professional Responsibility

While LedgerVault provides built-in mathematical double-entry reconciliation checks, optical and spatial coordinate parsing is inherently subject to variances in original bank statement PDF layouts. Users remain solely responsible for reviewing and verifying the accuracy of converted financial records prior to importing data into accounting systems or submitting tax filings.

3. Subscription Plans & Merchant of Record

LedgerVault provides free page allowances and paid recurring monthly subscriptions (Solo Plan and Firm Plan). Our order process is conducted by our online reseller and Merchant of Record, Paddle.com. Subscription fees are billed in advance on a recurring monthly or annual basis until cancelled by the user.

4. 14-Day Refund Guarantee & Cancellation

All initial subscription orders are backed by a 14-day 100% money-back guarantee. You may cancel your subscription at any time. Upon cancellation, your access remains active until the end of the current billing cycle, and no further charges will occur.

5. Limitation of Liability

To the maximum extent permitted by applicable law, LedgerVault shall not be liable for any indirect, incidental, consequential, or punitive damages resulting from your use of or inability to use the service.