Credit card statement converter

Turn any credit card statement PDF — Visa, Mastercard, Amex, Discover, personal or business — into a clean, reconciliation-ready CSV, Excel, QuickBooks (QBO) or Xero file. It checks the card's own math and imports as a credit card, not a checking account. No template setup, no login.

Why credit card statements break most converters

A credit card statement is laid out nothing like a bank statement, and the tools built for checking accounts stumble on the difference. If you've fed a card PDF into a converter and gotten half the transactions, wrong-sign amounts, or a balance that doesn't tie, that's why:

• Activity is split into sections, not one ledger. Payments and credits sit in one block, purchases in another, and cash advances, fees and interest in others. A tool expecting a single running list quietly reads one section and misses the rest.
• There's no running balance to check against. Bank statements carry a balance on every line; card statements don't. A converter that leans on that column has nothing to anchor to, so a missed charge slips through unnoticed.
• The signs are inverted. On a card, a purchase increases what you owe and a payment decreases it — the opposite of a deposit and withdrawal. Get the sign convention wrong and the whole statement fails to reconcile.
• Every issuer designs its own statement. A business Visa, an Amex, and a store card print totally differently. A per-card template built for one won't fit the next, and most tools never build one for smaller issuers at all.

How BankTidy reads any card statement

BankTidy doesn't keep a template per card or issuer. It reads the statement page the way a person does — pulling every line from every section, whatever the header looks like and whoever issued it. There's nothing to configure and no "is my card supported?" list, because it isn't matching your file to a fixed catalog.

The part other tools skip: it reconciles

Reading the page is only half the job. A card doesn't have a running balance to check, so BankTidy verifies the card's own identity: previous balance, plus purchases, fees and interest, minus payments and credits, has to equal the printed new balance.

That's the same metric on our public benchmark, where 15 of 15 real statements from 7 institutions across 3 countries reconciled to the penny — including a scanned statement and an 79-transaction non-English statement. See the full benchmark →

Imports as a credit card — not a checking account

A lot of converters export card activity as if it were a bank feed, so it lands in QuickBooks or Xero against the wrong account type and the signs fight you. BankTidy writes the QBO/OFX file as a credit-card account, so charges and payments reconcile against your card in QuickBooks or Xero exactly the way they should — no re-coding, no flipped amounts.

Private by design — no card login

You never hand over a card or online-banking login. BankTidy works entirely from a statement PDF you already downloaded, so there's no account to link and no credentials to enter. Files are used only to produce your export, encrypted in transit and at rest, and are not used to train anything. How we handle data →

Frequently asked questions