# statement.work

> statement.work is a bank statement converter. It reads bank statements (PDF exports, scanned copies and phone photos, from any bank and in any layout) and turns every transaction into clean CSV, Excel or JSON. It is built for accountants, bookkeepers and small businesses, and is currently in early access with a waitlist.

## Key features

- Converts bank statement PDFs to Excel (XLSX) and CSV, and to JSON.
- Reads scanned statements and phone photos (bank statement OCR), not only PDFs with selectable text.
- Works across banks and layouts without a template mapped in advance.
- Extracts date, description, amount and running balance for every line, in one consistent format.
- Handles several statements in one upload.
- Categorizes transactions automatically (for example payroll, rent, subscriptions).
- Flags anomalies: duplicate charges, fee spikes and unusual transactions.
- Handles statements in different currencies.
- Answers plain-language questions about your statements.

## Who it's for

Accountants, bookkeepers, small businesses and tax preparers who spend time turning bank statements into spreadsheets for bookkeeping, month-end close, reconciliation or tax prep.

## Data handling

- Statements are encrypted in transit and at rest.
- Source files are deleted after processing, on a retention window the user controls.
- Customer financial data is never used to train or fine-tune AI models.

## Main pages

- [Home](https://statement.work/): product overview
- [Convert](https://statement.work/convert/): all conversion types
- [FAQ](https://statement.work/faq/): answers about converting, formats, accuracy, security and early access
- [Security](https://statement.work/security/): how statements are handled
- [Glossary](https://statement.work/glossary/): definitions of bank statement terms
- [Banks](https://statement.work/banks/): notes on 20 US and UK banks
- [Guides](https://statement.work/guides/): practical guides
- [Join the waitlist](https://statement.work/#early-access): early access sign-up

## Conversions

- [Convert a bank statement PDF to Excel](https://statement.work/convert/bank-statement-pdf-to-excel/): Turn bank statement PDFs into clean Excel spreadsheets with every transaction's date, description, amount and running balance in the right column. Any bank, any layout.
- [Convert a bank statement PDF to CSV](https://statement.work/convert/bank-statement-pdf-to-csv/): Convert bank statement PDFs into clean CSV files with consistent columns, ready to import into accounting software or any spreadsheet. Works with any bank's layout.
- [Convert a bank statement PDF to XLSX](https://statement.work/convert/bank-statement-pdf-to-xlsx/): Convert bank statement PDFs into .xlsx workbooks with real dates and numeric amounts, ready for formulas, filters and pivot tables. What XLSX adds over CSV.
- [Scanned bank statement OCR](https://statement.work/convert/scanned-bank-statement-ocr/): Convert scanned bank statements into Excel or CSV with OCR built for statement layouts. How bank statement OCR works, why scans are harder than PDFs, and how to get a good scan.
- [Convert a bank statement photo to Excel](https://statement.work/convert/bank-statement-photo-to-excel/): Turn photos of bank statements taken on a phone into clean Excel or CSV. How to take a photo that converts well, and how to check the result.
- [Convert a bank statement to JSON](https://statement.work/convert/bank-statement-to-json/): Convert bank statement PDFs, scans and photos into JSON with typed dates and amounts for scripts, apps and databases. What the JSON looks like and when to use it over CSV.

## Audience pages

- [statement.work for accountants](https://statement.work/for/accountants/): How accountants use statement.work to turn client bank statements (PDFs, scans and photos from any bank) into consistent Excel and CSV for reviews, year-end and tax work.
- [statement.work for bookkeepers](https://statement.work/for/bookkeepers/): How bookkeepers use statement.work to turn client bank statements into clean, categorized CSV and Excel for month-end, reconciliation and catch-up work.
- [statement.work for small businesses](https://statement.work/for/small-businesses/): How small business owners use statement.work to turn bank statements into clean spreadsheets, see where the money went, catch duplicate charges and hand tidy records to their accountant.
- [statement.work for tax preparation](https://statement.work/for/tax-preparation/): Use statement.work to turn a year of bank statements into categorized spreadsheets for tax preparation, so totals by category and supporting detail are ready when you or your preparer need them.

## Guides

- [Bank statement formats explained: what's on a statement and why it varies](https://statement.work/guides/bank-statement-formats-explained/): The parts every bank statement has, the ways layouts differ between banks and countries, and why those differences break copy-paste and template-based converters.
- [CSV vs XLSX: which format should you use for bank data?](https://statement.work/guides/csv-vs-xlsx-for-bank-data/): CSV and XLSX both hold bank transactions, but they behave very differently on import, on open and in review. A practical comparison, with the pitfalls of each.
- [How bookkeepers reconcile bank statements faster](https://statement.work/guides/how-bookkeepers-reconcile-bank-statements-faster/): A practical bank reconciliation routine, from getting the bank side into clean data to matching, investigating differences and documenting the result.
- [How to categorize bank transactions (with a sample category list)](https://statement.work/guides/how-to-categorize-bank-transactions/): A practical approach to categorizing bank transactions consistently, including a sample category list for small businesses, rules for tricky items like transfers and refunds, and how to map categories to your accounts.
- [How to convert a bank statement PDF to Excel (every method compared)](https://statement.work/guides/how-to-convert-bank-statement-pdf-to-excel/): Retyping, copy-paste, Excel's PDF import, Acrobat, generic online converters, your bank's own download, and dedicated statement converters, compared honestly by effort, accuracy and what they can't handle.
- [How to import bank statement CSV files into accounting software](https://statement.work/guides/import-bank-statement-csv-into-accounting-software/): General steps for importing bank transactions from CSV into accounting software, including preparing the file, mapping columns, handling dates and signs, and avoiding duplicates.
- [How to spot duplicate charges and hidden fees in a bank statement](https://statement.work/guides/how-to-spot-duplicate-charges-and-hidden-fees/): Where duplicate charges and creeping fees hide on a bank statement, how to find them quickly in a spreadsheet, and what to do when you find one.
- [Is it safe to upload bank statements online? A security checklist](https://statement.work/guides/is-it-safe-to-upload-bank-statements-online/): What's actually sensitive on a bank statement, the questions to ask any online tool before uploading one, and the habits that keep statement data safe on your side.
- [Manual data entry vs automated extraction: a time and error comparison](https://statement.work/guides/manual-data-entry-vs-automated-extraction/): Why retyping bank statements is slow and error-prone, where automated extraction saves time, where it can still go wrong, and how to estimate the difference for your own work, without made-up numbers.
- [Preparing bank statements for tax season: a checklist](https://statement.work/guides/tax-season-bank-statement-checklist/): A practical checklist for gathering, checking, converting and categorizing a year of bank statements before tax time, for small businesses, sole traders and the people who prepare their returns.
- [Why convert bank statements from PDF to Excel or CSV?](https://statement.work/guides/why-convert-bank-statements-to-excel-or-csv/): A PDF statement is built for reading, not for working. Here's what changes when your transactions are in Excel or CSV, and when converting is worth the effort.
- [Why scanned bank statements are hard to convert (and how OCR helps)](https://statement.work/guides/why-scanned-bank-statements-are-hard-to-convert/): A scanned statement has no text in it, only an image. Why that breaks copy-paste, what OCR does, why general OCR isn't enough for statements, and how to scan for better results.

## Banks

- [Chase](https://statement.work/banks/chase/): How to convert Chase checking, savings and credit card statement PDFs into clean Excel or CSV, what Chase statements usually contain, and the conversion problems to watch for.
- [Bank of America](https://statement.work/banks/bank-of-america/): Convert Bank of America checking, savings and credit card statement PDFs into Excel or CSV. What to expect from the layout, how checks and card purchases appear, and how to check the result.
- [Wells Fargo](https://statement.work/banks/wells-fargo/): Convert Wells Fargo bank statement PDFs into Excel or CSV with a running balance on every row. What Wells Fargo statements usually show and how to handle day-end balances.
- [Citibank](https://statement.work/banks/citibank/): Convert Citibank checking, savings and credit card statement PDFs to Excel or CSV. Handling foreign transactions, currency conversion fees and card statements.
- [U.S. Bank](https://statement.work/banks/us-bank/): Convert U.S. Bank checking, savings and business statement PDFs into Excel or CSV. Cleaning up ACH descriptions, separating deposits from withdrawals, and checking totals.
- [PNC](https://statement.work/banks/pnc/): Convert PNC Bank statement PDFs to Excel or CSV, including statements that cover several linked accounts. How to keep accounts separate and transfers out of your totals.
- [Truist](https://statement.work/banks/truist/): Convert Truist bank statement PDFs, including older BB&T and SunTrust statements, into Excel or CSV with the same columns, so years of history line up in one spreadsheet.
- [Capital One](https://statement.work/banks/capital-one/): Convert Capital One credit card and bank account statement PDFs into Excel or CSV. Handling card statements without running balances, interest and fees, and payments.
- [TD Bank](https://statement.work/banks/td-bank/): Convert TD Bank (US) statement PDFs into Excel or CSV. Notes for customers who also hold Canadian accounts, with different date and currency conventions.
- [Citizens](https://statement.work/banks/citizens/): Convert Citizens Bank statement PDFs into Excel or CSV. Notes for businesses whose card and payment processor deposits arrive as batched lump sums.
- [Barclays](https://statement.work/banks/barclays/): Convert Barclays current account and business statement PDFs into Excel or CSV. Handling UK paid out / paid in columns, day-first dates and brought-forward balances.
- [HSBC UK](https://statement.work/banks/hsbc-uk/): Convert HSBC UK current account and business statement PDFs into Excel or CSV. Reading transaction type codes, brought-forward balances and foreign currency activity.
- [Lloyds Bank](https://statement.work/banks/lloyds/): Convert Lloyds Bank current account and business statement PDFs into Excel or CSV. Understanding payment type codes, day-first dates and statements across Lloyds Banking Group brands.
- [NatWest](https://statement.work/banks/natwest/): Convert NatWest personal and business statement PDFs into Excel or CSV. Handling UK statement conventions and business account activity such as card takings and supplier payments.
- [Santander UK](https://statement.work/banks/santander-uk/): Convert Santander UK statement PDFs into Excel or CSV. Handling cashback and reward credits, UK statement conventions, and checking the result.
- [Halifax](https://statement.work/banks/halifax/): Convert Halifax current account statement PDFs into Excel or CSV. Notes for sole traders who run business spending through a personal account.
- [Nationwide](https://statement.work/banks/nationwide/): Convert Nationwide Building Society current account and savings statement PDFs into Excel or CSV. Handling interest lines, transfers to savings and UK statement conventions.
- [TSB](https://statement.work/banks/tsb/): Convert TSB Bank statement PDFs into Excel or CSV, including older statements in different designs. How to check that a run of statements is complete.
- [Monzo](https://statement.work/banks/monzo/): Convert Monzo statement PDFs into Excel or CSV. When the app's own export is enough, when you'll still have PDFs to deal with, and how to handle Pot transfers.
- [Starling Bank](https://statement.work/banks/starling/): Convert Starling Bank personal and business statement PDFs into Excel or CSV. Handling Spaces transfers and getting sole trader statements ready for bookkeeping and tax.

## Optional

- [Full content in Markdown](https://statement.work/llms-full.txt): the key page content in one file
- [Sitemap](https://statement.work/sitemap.xml)
- [RSS feed of guides](https://statement.work/rss.xml)