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 PDF to OFX & QFX Converter

Convert bank statement PDFs and CSV spreadsheets into Open Financial Exchange (OFX 2.0 / QFX) files for Quicken, Sage 50, Xero, and Wave.

Drop your PDF or CSV statement here

Instantly generates compliant OFX / QFX feeds. 100% private in-browser memory.

Choose Statement File

No statement handy?

Why OFX and QFX Files are Needed

Open Financial Exchange (OFX) is the standard XML/SGML protocol created by Microsoft, Intuit, and CheckFree to transmit financial records without column mapping errors. Unlike generic CSVs which often require manual mapping of dates and columns, OFX/QFX files contain strict tags (`<TRNTYPE>`, `<DTPOSTED>`, `<TRNAMT>`, `<FITID>`) that import directly into Quicken, Sage 50, Xero, and Wave with 1 click.

Frequently Asked Questions

What is the difference between OFX and QFX?

OFX is the open universal standard used across all financial software. QFX (Quicken Financial Exchange) is Intuit's branded implementation of OFX containing an Intuit Financial Institution ID (`<INTU.BID>`) required by Quicken desktop software.

Is my banking password or login required?

Never. StatementToExcel never asks for your bank login credentials. You simply download your statement PDF or CSV from your bank and convert it offline in your browser.