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

Convert Credit Card Statements to Excel & CSV

Export American Express, Chase Ink, Capital One, and Citi credit card statements directly into clean spreadsheets, QuickBooks Online (.qbo), and Xero.

Drop your credit card statement PDF here

Supports Amex, Chase, Capital One, Citi, Wells Fargo, and Apple Card. 100% private in-browser WebAssembly.

Select Statement PDF

Need a test file?

How Credit Card Statement to Excel Conversion Works

Unlike standard bank checking accounts where deposits are positive and payments are negative, credit card statements frequently invert balances (charges increase card balance, payments reduce balance). Our engine intelligently normalizes charges and payments into standard accounting credits and debits ready for instant QuickBooks Online and Xero matching.

Frequently Asked Questions

Which credit card companies are supported?

All major corporate and personal credit card issuers are supported, including American Express (Platinum, Gold, Blue Business), Chase (Ink Business, Sapphire), Capital One (Spark, Venture), Citi, Discover, and Apple Card.

How do I import these transactions into QuickBooks Online?

Download the QBO CSV or native .QBO Web Connect file. In QuickBooks Online, navigate to Bookkeeping > Transactions > Bank Transactions, click the arrow next to “Link account” and select “Upload from file”.