Convert PDF Bank Statement to Categorised Excel

Free PDF to categorised Excel converter. Every transaction gets a category — Groceries, Restaurants, Travel, Subscriptions, Utilities, and 20+ others — using deterministic keyword rules. The workbook adds a By-Category tab with monthly totals so you can see where your money goes at a glance.

See How It Works
Free first conversion 1,000+ banks supported Files deleted in 24h

How to convert a PDF bank statement to Categorised Excel

  1. Download your bank statement as a PDF from your online banking portal.
  2. Drop the PDF into the upload box above (or click to browse). Files up to 25 MB are supported.
  3. Wait 10–30 seconds while our OCR + AI engine reads the layout and extracts every transaction.
  4. Download the XLSX file. The first conversion every 24 hours is free.

Why Categorised Excel?

Raw bank statements answer 'what did I spend?'. A categorised export answers 'what did I spend on?'. That's the difference between a transaction list and a budget — and the reason most people open Excel after exporting their statement in the first place.

  • Category column on every transaction (Groceries, Restaurants, Coffee, Fuel, Travel, Lodging, Subscriptions, Software, Shopping, Utilities, Telecom, Insurance, Healthcare, Rent/Mortgage, Tax, Charity, Education, Entertainment, ATM/Cash, Bank Fees, Interest, Income, Transfer, Refund, Uncategorised)
  • By-Category sheet with transaction count, total debit, total credit, and net per category — the budget summary you'd otherwise build by hand
  • Deterministic rule-based categorisation — same statement always produces the same categories, so you can reconcile across months
  • Edit any category in Excel and add a Notes column — the file is a normal XLSX
  • Same Date / Description / Debit / Credit / Balance columns as the standard export, plus the new Category column

What gets extracted from your statement

  • Transaction date (normalised to YYYY-MM-DD)
  • Description, payee, and reference where available
  • Debit and credit amounts in separate, signed columns
  • Running balance, where the statement shows one
  • Statement period, opening balance, and closing balance
  • Account holder name and account number (header only)

Convert Categorised Excel for any bank

Our parser is bank-agnostic — it reads the layout of your statement directly rather than relying on a hand-written template per bank. That's how we support 1,000+ banks worldwide. Common ones below:

ChaseBank of AmericaWells FargoCitibankCapital OneU.S. BankPNC BankTruistAmerican ExpressDiscoverHSBCBarclaysView all 1,000+ →

Categorised Excel conversion FAQ

How is the category decided?

Keyword matching against the transaction description, run in priority order (income/refund/transfer rules win against vendor matches). The rule list covers ~25 categories and the most common merchants in each. Anything unmatched is left as Uncategorised — no guessing.

Can I edit categories after export?

Yes. The Category column is plain text; edit in Excel and re-sort. The By-Category summary is a static snapshot — replace it with a SUMIF or pivot table if you need it to update live.

Will the categories be the same across statements?

Yes. Categorisation is deterministic — same description always produces the same category. Re-export an old statement next year and you'll get identical category labels.

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