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.

How do I convert a password-protected bank statement to Excel?

Upload your encrypted PDF bank statement. Enter your bank statement password (such as your date of birth or last 4 digits of SSN/PAN). The decryption and conversion into Excel (.xlsx) runs 100% locally in your web browser memory. Your password and PDF are never sent across the internet.

Is it safe to type my statement password here?

Yes. Our tool is client-side WebAssembly. It contains zero backend servers, zero analytics tracking of inputs, and zero network calls with your password. You can even disconnect your internet Wi-Fi before entering the password and the tool will continue working.

Encrypted Bank Statement Decryptor

Convert Password-Protected Bank Statements to Excel & QBO

Many financial institutions (Chase, Capital One, Barclays, ICICI, HDFC) encrypt PDF statements with your DOB or SSN digits. Decrypt and export them directly to clean Excel or QuickBooks Online spreadsheets in browser memory.

Upload Locked PDF Bank Statement

Drop your password-protected PDF here. We will prompt for the decryption key securely in client RAM.

Select Locked Statement

Zero-Knowledge Decryption: The password never leaves your browser RAM.

How Bank Password Protection Works

Banks protect PDF statements using Standard PDF 128-bit or 256-bit AES encryption. When you download a statement from institutions like Chase or Axis Bank, the encryption requires a key generated from personal identifiers (e.g., date of birth or last 4 digits of PAN/SSN). Standard converters fail or error out on these files. StatementToExcel initializes the standard PDF decryption engine right inside your browser session so you can unlock the file safely.

Frequently Asked Questions

What if I forgot my bank statement password?

Check the email your bank sent when they delivered the PDF. Most banks include a hint such as “Password is the first 4 letters of your name in lowercase followed by your date of birth in DDMM format.”

Does the exported Excel file stay password-protected?

No. The exported .xlsx or .qbo file is cleanly unencrypted, allowing you to edit, analyze, or import it into QuickBooks without entering passwords each time.