Convert Two-Column Bank Statements (Withdrawals & Deposits) to Excel
UK, Canadian, and Commonwealth statements often split money into separate Withdrawals and Deposits columns, with the balance shown only once a day. That layout is where generic converters quietly flip a deposit into a withdrawal. This one assigns the sign by column and checks it against the running balance — so the numbers come out right.
Why two-column statements break generic converters
On a two-column statement the debit/credit distinction is carried by position: the same 85.00 is a deposit under the Deposits column and a withdrawal under the Withdrawals column. When a PDF is parsed, those columns collapse into a single text stream and the positional cue is easy to lose. A converter that then guesses the sign from the description — treating every “Transfer” or “Correction” as money out — will flip entries, and because the totals still look plausible, you may not notice until your books don’t balance.
It’s also common for these statements to print the running balance only on the last line of each day, which removes the row-by-row check most tools rely on.
How this converter gets the signs right
Sign by column
Amounts in the Withdrawals column are negative, amounts in the Deposits column are positive — never a guess from the description.
Checked against the balance
Even with a sparse balance, the amounts between two printed balances must move the balance from one to the next — so a flipped sign is caught, not shipped.
Any bank, no template
Reads the statement directly, so UK high-street, Canadian chequing, and Commonwealth layouts all work without a per-bank setup.
Private & free to try
Processed in memory, never stored, deleted within 24h. A few conversions free, no signup or card.
How to convert
- Download your statement as a PDF from online banking.
- Upload it here — no account needed.
- Check the preview; rows that don’t reconcile against the balance are flagged.
- Export to Excel or CSV for your spreadsheet or accounting software.
Frequently asked questions
What is a two-column bank statement?
Many UK, Canadian, and Commonwealth banks lay out transactions in two money columns — one for Withdrawals (debits) and one for Deposits (credits) — with the running balance shown only on the last line of each day. The debit/credit distinction lives in the column, not in the number.
Why do converters get these wrong?
When the PDF text is extracted, the columns collapse into one stream and the positional signal is easy to lose, so a deposit can be booked as a withdrawal. A generic tool that guesses the sign from the description (e.g. treating every "Transfer" as money out) will silently flip entries.
How does this converter handle it?
It assigns the sign by which column the figure sits under, then confirms each day-group against its printed running balance (the amounts between two printed balances must move the balance from one to the next). If the signs don’t reconcile, the rows are flagged for review rather than handed to you as wrong-but-plausible data.
Which banks does this cover?
Any bank whose statement uses the two-column layout — common across UK high-street banks, Canadian chequing accounts, and Commonwealth banks. The converter reads the statement directly rather than relying on a per-bank template, so it isn’t limited to a fixed list.
Is it free and private?
You can convert a few statements free with no signup or credit card. Your statement is processed in memory and never stored; any metadata is deleted within 24 hours. EU-hosted, GDPR compliant.