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.

100% Client-Side RAM · Zero Cloud Storage

Free Financial Tools & Utilities

Every tool runs 100% locally in your browser memory via WebAssembly. Zero files, account numbers, or balances are ever uploaded to any cloud server.

Cards

Credit Card to Excel

Amex, Chase & Capital One

Extract credit card transactions into standardized Excel (.xlsx) and QuickBooks Online QBO files.

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QuickBooks

CSV to QBO Web Connect

Spreadsheet to QuickBooks

Convert raw CSV and Excel transactions into Intuit Web Connect (.qbo) format with FITID tags.

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Clean Payees

Bank Payee Cleaner

Clean Merchant Descriptors

Strip POS terminal codes, store numbers, and location suffixes to reveal clean vendor names.

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Batch Merger

Merge Bank Statements

12 Months into 1 Ledger

Batch merge multiple monthly PDF statements into one continuous annual spreadsheet.

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Diagnostics

PDF Statement Inspector

Layer & Font Diagnostics

Check if your PDF is native text or scanned raster image, and detect encryption flags.

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OFX / QFX

PDF to OFX / QFX

Open Financial Exchange

Convert PDF statements into standard OFX/QFX files for desktop accounting software.

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Security

Unlock Bank Statement

Decrypt Password-Protected PDFs

Remove PDF passwords locally in browser memory without sending keys or files across the internet.

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Math Proof

Statement Math Verifier

Balance Audit & Reconciliation

Verify starting/ending balances, detect ledger math tampering, and issue proof certificates.

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All-In-One Flagship Converter

Convert Any PDF Bank Statement to Excel & QuickBooks

Full split-screen verification, sub-pixel token clustering, auto-reconciliation math proofs, and 1-click export to Excel, QBO, and CSV.

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