Credit Card Statement to Excel, Every Charge Accounted For
Upload a credit card statement as a PDF, scan or phone photo and get an Excel table of purchases, payments, fees and interest that adds up to the new balance printed on the statement.
Turn card statements into a spreadsheet you can post
Card statements are harder to convert than bank statements. They split activity into purchases, payments and credits, fees and interest charged, often with separate blocks for each cardholder, and the running balance is missing entirely.
StatementsConverter reads the whole statement, keeps each section where it belongs and checks the result against the statement summary before you export anything.
What lands in your workbook
Every transaction row gets its own line with the fields an accountant needs to post it.
- Transaction date and posting date, when the issuer prints both
- Merchant or description, with wrapped lines joined into one cell
- Amount in a charges column or a payments and credits column, never mixed
- Transaction type, so purchases, payments, refunds, fees, interest and cash advances are easy to filter
- Cardholder name or last four digits, when the statement groups activity by card
- Foreign currency amount and exchange rate lines, kept with the purchase they belong to
The statement period, account ending digits, previous balance, new balance and minimum payment are captured as header fields above the table, so each sheet is self-describing.
The new balance check, step by step
A card statement has no running balance column, so the check works from the account summary instead. The rule is simple and strict.
Previous balance plus purchases plus fees plus interest, minus payments and credits, must equal the new balance.
Computed example with made-up figures: previous balance 1,240.50, purchases 2,318.75, fees 39.00, interest 18.42, payments 1,240.50 and credits 85.00. Adding the first four gives 3,616.67, subtracting the last two gives 2,291.17, which must match the new balance on page one.
When the extracted rows add up to a different total, the statement is flagged and the table shows which section is off: a purchase total short by one row, a refund read as a charge, a late fee that sat under a page footer.
You fix the row in the browser, the check turns green, and only then does the file go to Excel.
Signs that stay consistent
Issuers print signs in different ways. Some show payments with a minus, some with a trailing CR, some only by placing them in a separate block. A tool that copies the visible text will give you a column where a refund and a purchase look the same.
StatementsConverter normalizes every row before export: charges that raise what the cardholder owes go in one column, payments, refunds and statement credits in the other. If you prefer a single signed amount column, the export writes charges as negative and credits as positive, which is how most ledgers treat a liability account.
A wrong sign on a single row is easy to correct with the flip sign action in the table editor, and the balance check recalculates as you click.
Statements with several cardholders
Business card statements often list activity per employee card, each with its own subtotal. Those sub sections are kept: every row carries the cardholder label, and the subtotals are compared with the rows under them so a missing receipt line shows up per person, not only in the grand total.
In Excel you can then filter or pivot by cardholder to allocate spending to departments, jobs or expense reports without retyping a single line.
Excel first, other formats when you need them
Every plan exports XLSX and CSV. On Professional and Business the same table also exports to QBO for QuickBooks, QIF for Quicken, OFX and Xero CSV, so the card account can be imported straight into the books.
For bank accounts the workflow is the same, described on the PDF bank statement to Excel page, and paper card statements that arrive as photos are covered in detail under scan bank statement to Excel.
Where card statement conversion saves the most time
- Year end cleanups where a client has twelve card statements and no feed for a closed card
- Expense allocation for companies with several employee cards on one account
- Catching up a card that was never connected to QuickBooks Online or Xero
- Rebuilding a card history for an audit, a dispute or a litigation file
Pricing starts at 24 USD a month billed yearly for 400 pages, with the full plan list on the bank statement converter pricing page.
Does it work with any US card issuer?
Yes. The reader is not tied to a template per bank, so statements from large issuers, regional banks and store cards are handled the same way, including scanned copies.
What happens with interest and fee lines?
They become their own rows with a type of interest or fee, so you can post them to a finance charges account instead of burying them in purchases.
Can I convert a whole year of statements in one go?
Yes. Upload the twelve files as one batch and they are grouped by card account and sorted by period. You can export one sheet per statement or one merged file for the year.
How are pages counted for card statements?
Each page of the uploaded statement counts once against your monthly page allowance, including summary and rewards pages. Deleting a file afterwards does not return the pages.
Are my clients' card statements kept?
Files are encrypted in transit and at rest and deleted automatically after 24 hours by default. They are never used to train models.
Put the card statement in Excel and know it balances
Try it with one statement, no card needed, then create your account when you want the full table and exports.