Password-Protected Bank Statement to Excel
Your bank locked the PDF. Upload it exactly as it arrived — enter the password when the converter asks, and get a spreadsheet back. No unlocking it yourself, no re-saving, no second tool.
The password never reaches our servers
This is the part worth understanding before you type a password into any converter. The file is decrypted inside your browser, on your own machine. Only the unlocked pages are sent for extraction. We do not receive the password, store it, or write it to a log — not as a policy we promise to follow, but because of where the work happens.
Most converters take one of two other routes: refuse encrypted files outright, or upload the file and the password together and decrypt on their side. The second works, and it means your statement password sits in someone else's request logs.
How it works
1. Upload the locked PDF
Exactly as the bank sent it. The converter detects that it is protected before anything is uploaded.
2. Enter the password
A box appears asking for it. Usually a date of birth, part of an account number, or a customer ID — whatever your bank uses.
3. Download Excel or CSV
Dates, descriptions, separate debit and credit columns, and the running balance — laid out for Xero and QuickBooks import.
How to check nothing was dropped
The output carries the running balance from every row, not just the transactions. Compare the final figure against your statement: if it matches, every row made it across. A converter that returns a bare transaction list gives you no way to catch a missing one, and a single dropped row breaks a reconciliation weeks later when finding it is expensive.
Questions
- I do not know my statement password. What is it usually?
- Banks build it from something they already hold about you — commonly a date of birth in DDMMYYYY form, the last digits of the account number, a customer or reference ID, or a combination. The exact rule is in the email the statement arrived with, or in the statements section of your online banking. We cannot recover or guess it.
- Do I need to remove the password first?
- No. That used to be the only way and it is what most guides still tell you to do — open the file in Preview or Acrobat, enter the password, save a copy without it, upload that. Upload the original instead.
- Does it work with scanned statements that are also protected?
- Yes. Once unlocked, a scanned statement is read the same way any scanned statement is — the AI reads the transaction table off the page rather than lifting text out of the file.
- How many pages can it take?
- Unlocking handles up to 120 pages in one file, which is past what a normal statement reaches — a year across three accounts is roughly 100. The first conversion is free, up to ten pages, with no account.
Statements from a specific bank
Guides covering the formats and quirks of individual banks, including which ones protect their downloads by default.
Statement not protected? The standard bank statement converter handles it the same way.