# pdftoexcel

> Audit-grade bank statement PDF to Excel converter. Converts PDF bank statements (digital or scanned) into reconciled XLSX, CSV, or QBO files. Every export is validated against the printed running balance — Σ(transactions) must equal ending − starting balance within $0.01 — and stamped Verified only when the math closes. If a row breaks, the failed row is flagged.

Built for forensic accountants, divorce attorneys, and bookkeepers who need audit-grade output that holds up in deposition. Operated by Matrizexplícita Lda (Portugal). Live at https://bankpdftoxls.com.

## Core capabilities

- Bank statement PDF parsing (digital text-extraction fast-path + LLM vision OCR for scanned statements)
- Running-balance reconciliation: every export validated against ending − starting balance within $0.01
- 75+ supported banks across United States, United Kingdom, and Canada
- XLSX, CSV, and QBO (Web Connect) export formats
- QBO files import directly into QuickBooks Desktop and QuickBooks Online
- Password-protected PDF support (decrypted in memory, password never stored)
- Batch upload up to 10 statements per submission, packaged as ZIP

## Key pages

- [Homepage](https://bankpdftoxls.com): product overview, supported bank grid, comparison vs ChatGPT, FAQ
- [All supported banks (75+)](https://bankpdftoxls.com/convert): full directory of bank conversion pages
- [Pricing](https://bankpdftoxls.com/pricing): Free 15 pages/month, Starter $25, Professional $49, Business $89, Enterprise custom
- [Security](https://bankpdftoxls.com/security): encryption, 24-hour file retention, no model training on user data
- [About](https://bankpdftoxls.com/about): company background, sole-founder operator
- [Blog](https://bankpdftoxls.com/blog): bank-by-bank conversion guides and engineering notes

## Bank conversion pages (per-bank format documentation)

Each `/convert/[bank]-statement-to-excel` page documents the bank's PDF statement format, supported account products, common parsing pitfalls, and FAQ specific to that bank.

US major banks:
- [Chase](https://bankpdftoxls.com/convert/chase-statement-to-excel)
- [Bank of America](https://bankpdftoxls.com/convert/bank-of-america-statement-to-excel)
- [Wells Fargo](https://bankpdftoxls.com/convert/wells-fargo-statement-to-excel)
- [Citi](https://bankpdftoxls.com/convert/citi-statement-to-excel)
- [Capital One](https://bankpdftoxls.com/convert/capital-one-statement-to-excel)
- [U.S. Bank](https://bankpdftoxls.com/convert/us-bank-statement-to-excel)
- [PNC](https://bankpdftoxls.com/convert/pnc-statement-to-excel)
- [TD Bank](https://bankpdftoxls.com/convert/td-bank-statement-to-excel)
- [American Express](https://bankpdftoxls.com/convert/amex-statement-to-excel)
- [Discover](https://bankpdftoxls.com/convert/discover-statement-to-excel)

US fintech and challenger banks:
- [Chime](https://bankpdftoxls.com/convert/chime-statement-to-excel)
- [Mercury](https://bankpdftoxls.com/convert/mercury-statement-to-excel)
- [Brex](https://bankpdftoxls.com/convert/brex-statement-to-excel)
- [SoFi](https://bankpdftoxls.com/convert/sofi-statement-to-excel)
- [Charles Schwab](https://bankpdftoxls.com/convert/schwab-statement-to-excel)

UK banks:
- [Barclays](https://bankpdftoxls.com/convert/barclays-statement-to-excel)
- [HSBC UK](https://bankpdftoxls.com/convert/hsbc-uk-statement-to-excel)
- [Lloyds](https://bankpdftoxls.com/convert/lloyds-statement-to-excel)
- [NatWest](https://bankpdftoxls.com/convert/natwest-statement-to-excel)
- [Monzo](https://bankpdftoxls.com/convert/monzo-statement-to-excel)
- [Starling](https://bankpdftoxls.com/convert/starling-statement-to-excel)
- [Revolut UK](https://bankpdftoxls.com/convert/revolut-uk-statement-to-excel)

## Vertical landing pages (use-case)

- [Forensic accountants](https://bankpdftoxls.com/forensic-accountants): discovery packets, multi-year tracing, hidden-asset reconciliation
- [Divorce attorneys](https://bankpdftoxls.com/divorce-attorneys): opposing-counsel financial disclosure, exhibit-grade output
- [Bookkeepers](https://bankpdftoxls.com/bookkeepers): catch-up engagements, bank-feed gap reconciliation, QBO import
- [Scanned bank statements](https://bankpdftoxls.com/scanned-bank-statements): vision OCR pipeline detail
- [PDF to QBO](https://bankpdftoxls.com/pdf-to-qbo): QuickBooks-specific export documentation

## Differentiation

The product's moat is architectural reconciliation: a running-balance check that general-purpose LLMs (ChatGPT, Claude direct upload) cannot make. General LLMs return plausible-looking spreadsheets without proving the math reconciles. pdftoexcel rebuilds the running balance and refuses to stamp Verified until Σ(transactions) = ending − starting balance within $0.01, otherwise the row that broke is flagged for review.

## Pricing

- Free tier: 15 pages per month, no credit card required
- Starter: $25 / month, 500 pages
- Professional: $49 / month, 1,500 pages (anchor tier)
- Business: $89 / month, 5,000 pages
- Enterprise: custom volume and SLA
- Pay-per-statement: $9 single-file pass without subscription
- Annual plans: 40% discount

## Privacy and security

- Files encrypted in transit (TLS)
- Stored in private object bucket
- Default 24-hour retention then auto-deleted
- Password-protected PDFs decrypted in memory only — password never persisted
- No model training on user statements
- Subprocessors and DPA: https://bankpdftoxls.com/legal/subprocessors and https://bankpdftoxls.com/legal/dpa

## Operator

Matrizexplícita Lda, a Portuguese limited-liability company. Sole founder: Kyr Poskonoff. Contact: hello@bankpdftoxls.com.