[{"data":1,"prerenderedAt":502},["ShallowReactive",2],{"hubs:en":3,"footer:en":25,"content:en:bank-reconciliation-in-excel":344},[4,10,15,20],{"id":5,"type":6,"title":7,"description":8,"path":9},"banks","hub","A bank statement converter that works with any bank","Convert statements from Chase, Barclays, HSBC, SBI, HDFC, CommBank or any other bank to Excel, CSV or QuickBooks, with download tips for each bank.","\u002Fbanks",{"id":11,"type":6,"title":12,"description":13,"path":14},"guides","Bank statement guides: from PDF to spreadsheet, books and tax return","Step-by-step bank statement guides: PDF to Excel, importing into QuickBooks Online and TallyPrime, reconciling in Excel, expense categories and OFX files.","\u002Fguides",{"id":16,"type":6,"title":17,"description":18,"path":19},"formats","Convert bank statements to the file format you need","Convert bank statements from PDF, scan, photo, CAMT.053 or MT940 to Excel, CSV, QuickBooks, Xero, OFX or QIF — and find the file format you need.","\u002Fformats",{"id":21,"type":6,"title":22,"description":23,"path":24},"use-cases","Who uses a bank statement converter, and for what","How bookkeepers, accountants, small businesses, mortgage brokers, tax preparers and individuals use a bank statement converter, and the job it does.","\u002Fuse-cases",[26,27,33,38,39,45,50,56,65,70,78,83,90,98,105,112,119,124,129,134,139,140,148,156,164,169,177,185,190,197,205,213,221,229,234,242,249,257,262,269,276,283,290,298,303,308,313,318,323,328,333,338,343],{"id":5,"type":6,"title":7,"description":8,"path":9},{"id":28,"type":29,"title":30,"description":31,"path":32},"usecase-mortgage","usecase","Bank statement analysis for mortgage brokers and lenders","Turn 12–24 months of borrower bank statements into one categorized, balance-checked spreadsheet for income averages and large-deposit review.","\u002Fmortgage-brokers",{"id":34,"type":29,"title":35,"description":36,"path":37},"usecase-accountants","Bank statement conversion for accountants and bookkeepers","Turn a client's year of PDF statements, scans and photos into balance-checked transactions and import files for QuickBooks, Xero or Excel.","\u002Faccountants-and-bookkeepers",{"id":11,"type":6,"title":12,"description":13,"path":14},{"id":40,"type":41,"title":42,"description":43,"path":44},"guide-mortgage-statements","guide","Bank statements for a mortgage: what lenders ask for and how to prepare them","How many months of bank statements mortgage lenders ask for, what underwriters look for, how large deposits are explained and how to prepare a clean set.","\u002Fbank-statements-for-mortgage",{"id":46,"type":41,"title":47,"description":48,"path":49},"guide-expense-categories","Business expense categories: the list and how to use it","A practical list of business expense categories with bank transaction examples and Schedule C lines, plus how to categorize bank transactions for taxes.","\u002Fbusiness-expense-categories",{"id":51,"type":52,"title":53,"description":54,"path":55},"categorize-transactions","convert","Categorize bank transactions automatically","Categorize bank transactions automatically: upload any statement and get clean payee names, your own categories and rules that always win. Totals in Excel.","\u002Fcategorize-bank-transactions",{"id":57,"type":58,"title":59,"description":60,"path":61,"bank":62},"bank-bancolombia","bank","Convert a Bancolombia statement to Excel","Convert Bancolombia statements (extractos) to Excel or CSV: where to download PDF and XLS, how to open locked PDFs, and how to balance-check every row.","\u002Fbancolombia-statement-to-excel",{"name":63,"country":64},"Bancolombia","CO",{"id":66,"type":52,"title":67,"description":68,"path":69},"convert-csv","Convert a bank statement to CSV","Convert a bank statement PDF, scan or photo to CSV: one clean row per transaction, categorized and balance-checked. Comma or semicolon, any date format.","\u002Fbank-statement-to-csv",{"id":71,"type":58,"title":72,"description":73,"path":74,"bank":75},"bank-chase","Convert a Chase statement to Excel","Convert Chase bank and credit card statements to Excel, CSV or QuickBooks. Where to download Chase PDFs and CSVs, how far back, and how to check totals.","\u002Fchase-statement-to-excel",{"name":76,"country":77},"Chase","US",{"id":79,"type":52,"title":80,"description":81,"path":82},"convert-xero","Convert a PDF bank statement and import it into Xero","Import any PDF bank or credit card statement into Xero: convert it to a Xero statement CSV, check it balances, then import it in a few clicks.","\u002Fbank-statement-to-xero",{"id":84,"type":58,"title":85,"description":86,"path":87,"bank":88},"bank-american-express","Convert an American Express statement to Excel","Export American Express transactions to Excel or CSV, or convert older Amex PDF statements beyond the two-year window. Signs and card members explained.","\u002Famex-statement-to-excel",{"name":89,"country":77},"American Express",{"id":91,"type":58,"title":92,"description":93,"path":94,"bank":95},"bank-hdfc-bank","Convert an HDFC Bank statement to Excel","Convert HDFC Bank account and credit card statement PDFs to Excel or CSV. NetBanking download options, the Customer ID password and Tally tips explained.","\u002Fhdfc-bank-statement-to-excel",{"name":96,"country":97},"HDFC Bank","IN",{"id":99,"type":58,"title":100,"description":101,"path":102,"bank":103},"bank-icici-bank","Convert an ICICI Bank statement to Excel","Convert ICICI Bank account and credit card statement PDFs to Excel or CSV. How far back you can download, the card statement password and Tally tips.","\u002Ficici-bank-statement-to-excel",{"name":104,"country":97},"ICICI Bank",{"id":106,"type":58,"title":107,"description":108,"path":109,"bank":110},"bank-sbi","Convert an SBI bank statement PDF to Excel","Convert SBI bank statement PDFs to Excel or CSV, including password-protected e-statements. Where to get them, which password applies, and Tally tips.","\u002Fsbi-bank-statement-to-excel",{"name":111,"country":97},"State Bank of India (SBI)",{"id":113,"type":58,"title":114,"description":115,"path":116,"bank":117},"bank-bank-of-america","Convert Bank of America statements to Excel or QuickBooks","Convert Bank of America statements to Excel, CSV, QuickBooks (.qbo) or QIF — useful now that BofA's QFX Web Connect downloads have been discontinued.","\u002Fbank-of-america-statement-to-excel",{"name":118,"country":77},"Bank of America",{"id":120,"type":52,"title":121,"description":122,"path":123},"convert-quickbooks","Convert bank statements for QuickBooks Online and QuickBooks Desktop","Convert PDF bank statements to a QuickBooks Online CSV or a .qbo Web Connect file for QuickBooks Desktop — categorized and balance-checked first.","\u002Fbank-statement-to-quickbooks",{"id":125,"type":52,"title":126,"description":127,"path":128},"convert-excel","Convert bank statements to Excel","Convert any bank statement PDF, scan or photo to Excel in seconds. Every transaction categorized and checked against your balances. See it before you pay.","\u002Fbank-statement-to-excel",{"id":130,"type":52,"title":131,"description":132,"path":133},"convert-ofx","Convert bank statements to OFX files","Convert a bank statement PDF, scan or CSV to an OFX file for GnuCash, Xero, Wave, Sage and more. Every transaction is balance-checked before you import.","\u002Fbank-statement-to-ofx",{"id":135,"type":52,"title":136,"description":137,"path":138},"convert-qif","Convert bank statements to QIF for Quicken and other money apps","Convert a bank statement PDF, scan or CSV to a QIF file for Quicken, GnuCash or HomeBank, with clean payees, categories and a balance check before import.","\u002Fbank-statement-to-qif",{"id":16,"type":6,"title":17,"description":18,"path":19},{"id":141,"type":58,"title":142,"description":143,"path":144,"bank":145},"bank-barclays","Convert Barclays bank statements to Excel","Convert Barclays and Barclaycard PDF statements to Excel, CSV or Xero. Where to find seven years of statements online and how to check the balances.","\u002Fbarclays-statement-to-excel",{"name":146,"country":147},"Barclays","GB",{"id":149,"type":58,"title":150,"description":151,"path":152,"bank":153},"bank-bbva-mexico","Convert BBVA México statements (estado de cuenta) to Excel","Convert BBVA México estado de cuenta PDFs to Excel or CSV, including password-protected e-mailed PDFs. Every movement categorized and balance-checked.","\u002Fbbva-mexico-statement-to-excel",{"name":154,"country":155},"BBVA México","MX",{"id":157,"type":58,"title":158,"description":159,"path":160,"bank":161},"bank-caixabank","Convert CaixaBank statements to Excel","Convert CaixaBank PDF extractos to Excel or CSV. Where to find movements and statements in CaixaBankNow, what each file holds, and a balance check.","\u002Fcaixabank-statement-to-excel",{"name":162,"country":163},"CaixaBank","ES",{"id":165,"type":52,"title":166,"description":167,"path":168},"convert-camt053","Convert CAMT.053 files to Excel","Convert camt.053 bank statement XML to Excel or CSV: one row per entry with signed amounts, payee and category, checked against the file's balances.","\u002Fcamt-053-to-excel",{"id":170,"type":58,"title":171,"description":172,"path":173,"bank":174},"bank-commbank","Convert CommBank statements to Excel, Xero, OFX or QIF","Convert Commonwealth Bank statements to Excel, CSV, Xero, OFX or QIF — now that NetBank only exports CSV. Works with PDFs up to seven years back.","\u002Fcommbank-statement-to-excel",{"name":175,"country":176},"Commonwealth Bank (CommBank)","AU",{"id":178,"type":58,"title":179,"description":180,"path":181,"bank":182},"bank-credit-agricole","Convert Crédit Agricole statements to Excel","Convert Crédit Agricole e-relevés to Excel, CSV or OFX. Where to download operations, why history stops at 12 months, and how to convert older PDFs.","\u002Fcredit-agricole-statement-to-excel",{"name":183,"country":184},"Crédit Agricole","FR",{"id":186,"type":52,"title":187,"description":188,"path":189},"convert-credit-card","Convert credit card statements to Excel","Convert credit card statement PDFs to Excel, CSV, QuickBooks or Xero. Charges and payments are signed consistently and checked against the new balance.","\u002Fcredit-card-statement-to-excel",{"id":191,"type":58,"title":192,"description":193,"path":194,"bank":195},"bank-hsbc-uk","Convert HSBC UK bank statements to Excel","Convert HSBC UK bank statements to Excel, CSV or Xero: how to download HSBC PDFs and transaction files, and what the payment codes mean.","\u002Fhsbc-statement-to-excel",{"name":196,"country":147},"HSBC UK",{"id":198,"type":58,"title":199,"description":200,"path":201,"bank":202},"bank-ing-deutschland","Convert ING Germany Kontoauszüge to Excel and CSV","Convert ING Germany (ING-DiBa) PDF Kontoauszüge to Excel or CSV, including transactions older than the 390 days online banking shows. Balance-checked.","\u002Fing-germany-statement-to-excel",{"name":203,"country":204},"ING Deutschland","DE",{"id":206,"type":58,"title":207,"description":208,"path":209,"bank":210},"bank-intesa-sanpaolo","Convert Intesa Sanpaolo statements to Excel","Intesa Sanpaolo exports movements to Excel for only 13 months. Convert older PDF estratti conto to Excel or CSV, balance-checked and categorized.","\u002Fintesa-sanpaolo-statement-to-excel",{"name":211,"country":212},"Intesa Sanpaolo","IT",{"id":214,"type":58,"title":215,"description":216,"path":217,"bank":218},"bank-japan-post-bank","Convert Japan Post Bank passbooks and statements to Excel","Turn ゆうちょ passbook photos and Yucho Direct CSV files into a categorized, balance-checked Excel or CSV file. Download steps, limits and quirks.","\u002Fjapan-post-bank-passbook-to-excel",{"name":219,"country":220},"Japan Post Bank (ゆうちょ銀行)","JP",{"id":222,"type":58,"title":223,"description":224,"path":225,"bank":226},"bank-mbank","Convert mBank statements to Excel","Convert mBank statements to Excel or CSV. Where to export history, why the operation list isn't an accounting record, and how to open a Secure PDF.","\u002Fmbank-statement-to-excel",{"name":227,"country":228},"mBank","PL",{"id":230,"type":52,"title":231,"description":232,"path":233},"convert-mt940","Convert MT940 files to Excel","Convert MT940 statement files (.sta, .mt940) to Excel or CSV: :61: and :86: decoded into dates, signed amounts, payees and categories. Balance-checked.","\u002Fmt940-to-excel",{"id":235,"type":58,"title":236,"description":237,"path":238,"bank":239},"bank-nubank","Convert Nubank statements and faturas to Excel","Turn a Nubank extrato (OFX or PDF) or credit card fatura into Excel or CSV with every transaction categorized and checked against the balances.","\u002Fnubank-statement-to-excel",{"name":240,"country":241},"Nubank","BR",{"id":243,"type":58,"title":244,"description":245,"path":246,"bank":247},"bank-pko-bp","Convert PKO Bank Polski statements to Excel","Convert PKO BP PDF wyciągi to Excel or CSV. Where iPKO keeps statements, what MT940 and camt.053 reports cover, and how to convert older periods.","\u002Fpko-bp-statement-to-excel",{"name":248,"country":228},"PKO Bank Polski",{"id":250,"type":58,"title":251,"description":252,"path":253,"bank":254},"bank-rbc","Convert RBC Royal Bank statements to Excel","Convert RBC Royal Bank eStatements and credit card statements to Excel, CSV or QuickBooks. Where to find them and what happens when an account closes.","\u002Frbc-statement-to-excel",{"name":255,"country":256},"RBC Royal Bank","CA",{"id":258,"type":52,"title":259,"description":260,"path":261},"convert-scanned","Convert scanned bank statements and photos to Excel","Convert scanned bank statements, faxes and phone photos to Excel. Every row is checked against the statement's balances, so a misread digit gets caught.","\u002Fscanned-bank-statement-to-excel",{"id":263,"type":58,"title":264,"description":265,"path":266,"bank":267},"bank-smbc","Convert SMBC (Sumitomo Mitsui) statements and passbooks to Excel","Download SMBC Direct transactions as CSV, or convert older passbook pages and PDFs into a categorized, balance-checked Excel file. Limits explained.","\u002Fsmbc-statement-to-excel",{"name":268,"country":220},"Sumitomo Mitsui Banking Corporation (三井住友銀行)",{"id":270,"type":58,"title":271,"description":272,"path":273,"bank":274},"bank-sparkasse","Convert Sparkasse statements (Kontoauszüge) to Excel","Convert Sparkasse Kontoauszug PDFs to Excel or CSV, or upload CSV-CAMT and CAMT exports. Every transaction categorized and balance-checked.","\u002Fsparkasse-statement-to-excel",{"name":275,"country":204},"Sparkasse",{"id":277,"type":58,"title":278,"description":279,"path":280,"bank":281},"bank-unicredit","Convert UniCredit statements and movement lists to Excel","Download UniCredit movements as Excel, or convert PDF estratto conto, card statements and client PDFs to Excel or CSV — balance-checked and categorized.","\u002Funicredit-statement-to-excel",{"name":282,"country":212},"UniCredit",{"id":284,"type":58,"title":285,"description":286,"path":287,"bank":288},"bank-wells-fargo","Convert Wells Fargo statements to Excel","Convert Wells Fargo bank and credit card statements to Excel, CSV or QuickBooks, beyond the 18-month and 90-day download limits. Balance-checked.","\u002Fwells-fargo-statement-to-excel",{"name":289,"country":77},"Wells Fargo",{"id":291,"type":58,"title":292,"description":293,"path":294,"bank":295},"bank-ziraat-bankasi","Convert Ziraat Bankası statements to Excel","Convert Ziraat Bankası ekstre PDFs, scans and MT940 files to Excel or CSV. Where to find statements online, MT940 for companies, and a balance check.","\u002Fziraat-bank-statement-to-excel",{"name":296,"country":297},"Ziraat Bankası","TR",{"id":299,"type":41,"title":300,"description":301,"path":302},"guide-pdf-to-excel","How to convert a bank statement PDF to Excel","Seven ways to convert a bank statement PDF to Excel, from a free bank download and Excel's Get Data to Adobe, ChatGPT and converters — with pros and cons.","\u002Fhow-to-convert-bank-statement-pdf-to-excel",{"id":304,"type":41,"title":305,"description":306,"path":307},"guide-reconciliation","How to do a bank reconciliation in Excel","How to do a bank reconciliation in Excel: the step-by-step method, a template layout, the formulas to match transactions and a worked example.","\u002Fbank-reconciliation-in-excel",{"id":309,"type":41,"title":310,"description":311,"path":312},"guide-quickbooks-online","How to import a bank statement into QuickBooks Online","How to upload a bank statement to QuickBooks Online: menu path, the 3- or 4-column CSV format, 350 KB and 1,000-line limits, and fixes for failed uploads.","\u002Fimport-bank-statements-into-quickbooks-online",{"id":314,"type":41,"title":315,"description":316,"path":317},"guide-tally","How to import a bank statement into TallyPrime","How to import a bank statement into TallyPrime with Alt+O → Bank Statement, which formats Tally accepts, and what to do when you only have a PDF statement.","\u002Fimport-bank-statement-into-tally-prime",{"id":319,"type":41,"title":320,"description":321,"path":322},"guide-password-pdf","How to remove the password from your bank statement PDF","Remove the password from your own bank statement PDF with Chrome, Preview, Acrobat or qpdf, find your bank's password rule, and convert the statement.","\u002Fremove-password-from-bank-statement-pdf",{"id":324,"type":29,"title":325,"description":326,"path":327},"usecase-tax-preparation","Organize your bank statements for tax preparation","Turn a year of bank and card statements into categorized income and expenses, matched to Schedule C lines, with totals your tax preparer can use.","\u002Ftax-preparation",{"id":329,"type":29,"title":330,"description":331,"path":332},"usecase-small-business","Simple bookkeeping from your bank statements","Turn your business bank and card statements into simple books: every transaction categorized, totals by category and month, ready for your accountant.","\u002Fsmall-business",{"id":334,"type":29,"title":335,"description":336,"path":337},"usecase-personal-finance","Track your spending from bank statements","See where your money goes: turn past bank and credit card statements into a spreadsheet of spending by category and month. No bank login needed.","\u002Fpersonal-finance",{"id":339,"type":41,"title":340,"description":341,"path":342},"guide-ofx-files","What is an OFX file, and how is it different from QFX, QBO and QIF?","What an OFX file is, what's inside it, how it differs from QFX, QBO and QIF, how to open one in Excel, and how to make an OFX file from a PDF statement.","\u002Fwhat-is-an-ofx-file",{"id":21,"type":6,"title":22,"description":23,"path":24},{"id":304,"locale":345,"type":41,"slug":346,"title":347,"description":306,"h1":305,"lead":348,"updated":349,"hub":11,"steps":350,"blocks":369,"faq":468,"related":487,"alternates":488,"path":307,"hubPage":494,"relatedPages":495,"listing":501},"en","bank-reconciliation-in-excel","Bank Reconciliation in Excel: Steps, Formulas, Template","A bank reconciliation proves that your books and your bank statement agree once timing differences are explained. In Excel it takes three sheets — the statement transactions, your book entries and a short reconciliation — plus a few formulas to match one against the other.","2026-10-28",[351,354,357,360,363,366],{"title":352,"body":353},"Get the statement into Excel","Download the period as CSV or Excel from online banking, or [convert the PDF statement to Excel](\u002Fbank-statement-to-excel). Before you start, check the statement itself adds up: opening balance + money in − money out = closing balance.",{"title":355,"body":356},"Add your book entries for the same period","Export the bank account's ledger from your accounting software, or copy your cash book. Use one signed **Amount** column on both sheets: positive for money in, negative for money out.",{"title":358,"body":359},"Match transactions","Tick off every item that appears on both sides, by amount first and then by date or check number. A formula does most of the matching; review the rest by eye.",{"title":361,"body":362},"Sort what's left into two lists","Unmatched items in your books are **timing differences** (deposits in transit, outstanding checks). Unmatched items on the statement are things you **haven't recorded yet** (fees, interest, direct debits, returned checks).",{"title":364,"body":365},"Build the reconciliation","Adjust the statement's closing balance for timing differences and your book balance for unrecorded items. The two adjusted balances must be equal.",{"title":367,"body":368},"Record the adjustments and keep the file","Post the bank-only items to your books, carry outstanding items forward to next month and save the workbook with the statement.",[370,375,414,433,446,458,463],{"h2":371,"p":372},"What does it mean to reconcile a bank statement?",[373,374],"Your books record a transaction when it happens: you write a check, you invoice and receive a payment, you pay a supplier. The bank records it when the money actually moves. At any month end the two balances differ, and most of the difference is just timing.","Reconciling means explaining every cent of that difference. What's left after timing differences should be nothing — if it isn't, there is an error, a missed entry or a transaction you didn't make. That's why accountants reconcile every bank and credit card account before closing a month or preparing a tax return.",{"h2":376,"p":377,"table":379,"note":413},"Bank reconciliation statement example",[378],"A small business closes March. The statement shows a closing balance of 12,480.00; the books show 12,866.50. Here is how the difference is explained:",{"head":380,"rows":383},[381,382],"Item","Amount",[384,387,390,393,396,399,402,405,408,410],[385,386],"**Balance per bank statement, 31 March**","12,480.00",[388,389],"Add: deposit in transit (paid in 31 March, credited 2 April)","+1,250.00",[391,392],"Less: outstanding checks #1043 (600.00) and #1045 (330.00)","−930.00",[394,395],"**Adjusted bank balance**","**12,800.00**",[397,398],"**Balance per books, 31 March**","12,866.50",[400,401],"Add: interest credited by the bank","+4.50",[403,404],"Less: monthly service fee","−15.00",[406,407],"Less: customer check returned unpaid (NSF)","−56.00",[409,395],"**Adjusted book balance**",[411,412],"Difference","0.00","Timing differences adjust the bank side; items the bank recorded but you didn't adjust the book side. Only the book-side items need journal entries.",{"h2":415,"p":416,"table":418,"note":432},"Bank reconciliation Excel template: the layout",[417],"You don't need a downloaded template — three sheets and about ten formulas do the job, and you'll understand every cell. Set it up once and copy the file each month.",{"head":419,"rows":422},[420,421],"Sheet","Columns or cells",[423,426,429],[424,425],"Statement","Date · Description · Amount (signed) · Balance · Match",[427,428],"Books","Date · Reference or check no. · Description · Amount (signed) · Match",[430,431],"Reconciliation","Statement closing balance · Deposits in transit · Outstanding checks · Adjusted bank balance · Book balance · Bank-only items · Adjusted book balance · Difference","Dates must be real date cells and amounts real numbers. If a pasted column is left-aligned and SUM returns 0, it's text — convert it before matching.",{"h2":434,"p":435,"ul":437,"note":445},"Bank reconciliation Excel formulas",[436],"The formulas below follow the layout above: dates in column A, amounts in column D on Books and column C on Statement, the Match flag in column E. Name the key cells Opening, Closing, AdjustedBank and AdjustedBook (Formulas → Define Name) so the formulas stay readable.",[438,439,440,441,442,443,444],"**Statement self-check:** =ROUND(Opening + SUM(Statement!C:C) - Closing, 2) must return 0. If it doesn't, a transaction is missing or mistyped and nothing below will reconcile.","**Match flag in Books:** =IF(COUNTIFS(Statement!C:C, D2, Statement!A:A, \">=\"&A2-3, Statement!A:A, \"\u003C=\"&A2+14)>0, \"Matched\", \"Open\") finds the same amount on the statement within a date window.","**Match flag in Statement:** the same formula pointed the other way, so bank-only items show as Open.","**Deposits in transit:** =SUMIFS(Books!D:D, Books!E:E, \"Open\", Books!D:D, \">0\")","**Outstanding checks and payments:** =SUMIFS(Books!D:D, Books!E:E, \"Open\", Books!D:D, \"\u003C0\") — a negative number.","**Adjusted bank balance:** =Closing + deposits in transit + outstanding checks (the checks total is already negative).","**Difference:** =ROUND(AdjustedBank - AdjustedBook, 2), with conditional formatting that turns the cell red when it isn't 0.","COUNTIFS can't tell two payments of the same amount apart. When an amount appears more than once in a month, check those rows by hand or compare the count on each side.",{"h2":447,"p":448,"ul":450,"note":457},"What causes differences between the bank and the books?",[449],"Almost every difference falls into one of these groups. The first two are timing differences that clear by themselves next month; the rest need an entry in your books or a correction.",[451,452,453,454,455,456],"**Deposits in transit:** money you recorded that the bank credits a day or two later.","**Outstanding checks:** checks you wrote that haven't been cashed yet.","**Bank fees, interest and charges** that you only learn about from the statement.","**Direct debits, card payments and transfers** that went through without an entry in your books.","**Returned (NSF) checks** from customers, which the bank reverses.","**Errors:** a transposed number, an entry recorded twice or with the wrong sign.","When a difference won't go away, its size is a clue. A difference divisible by 9 often means transposed digits (54.00 entered as 45.00). A difference equal to twice a transaction usually means a sign error. A difference equal to one transaction means it's missing on one side or recorded twice.",{"h2":459,"p":460},"A statement balance check is not a reconciliation — you need both",[461,462],"A **statement balance check** confirms the transaction list is complete: opening balance plus money in, minus money out, equals the closing balance, and the running balance agrees on every row. A **bank reconciliation** compares that complete list with your books. If the first step is wrong — a line skipped at a page break when copying from a PDF — you'll chase a difference that isn't in your books at all.","Bank Statement Categorizer does the first step automatically. Every statement is checked against its own balances, and rows that don't add up are flagged with their page number, so you know the Statement sheet is complete before you start. The reconciliation against your books is still yours (or your accountant's) to do.",{"h2":464,"p":465},"Reconciling several months or accounts at once",[466,467],"Catch-up work — a client who hasn't reconciled all year, or a new set of books — is easier when every month is in one workbook. Convert all the statements together and export them as one Excel file, optionally limited to a date range, then reconcile month by month and carry each month's outstanding items into the next.","If the transactions also need categories for the books, sort that out at the same time: [categorize the bank transactions](\u002Fcategorize-bank-transactions) before you post the bank-only items, and keep a consistent [list of business expense categories](\u002Fbusiness-expense-categories). Bookkeepers doing this for many clients will find the workflow in [bank statement conversion for accountants](\u002Faccountants-and-bookkeepers).",[469,472,475,478,481,484],{"q":470,"a":471},"What is a bank reconciliation?","It's a comparison of your bank statement with your own records for the same period, explaining every difference between the two balances. When it's done, the adjusted bank balance equals the adjusted book balance.",{"q":473,"a":474},"How do I reconcile a bank statement step by step?","Get the statement and your book entries side by side, match identical transactions, list what's unmatched on each side, adjust both balances and confirm the difference is zero. Then record the bank-only items in your books.",{"q":476,"a":477},"How often should I reconcile?","At least monthly, when each statement arrives. Businesses with many transactions often reconcile weekly so differences are found while they're still easy to trace.",{"q":479,"a":480},"Can Excel reconcile automatically?","Formulas such as COUNTIFS and SUMIFS can match most transactions by amount and date and total the open items. Items with duplicate amounts and the final review still need a person.",{"q":482,"a":483},"My statement is a PDF. How do I get it into Excel?","Download a CSV from your bank if it offers one for that period. Otherwise convert the PDF — see [how to convert a bank statement PDF to Excel](\u002Fhow-to-convert-bank-statement-pdf-to-excel) for the free and paid options.",{"q":485,"a":486},"How does a statement balance check help?","It proves the transaction list matches the statement's own opening and closing balances before you start. Any difference left in the reconciliation is then in your books, not in the transcription.",[125,34,51,299,46],{"es":489,"fr":490,"en":307,"it":491,"pt":492,"tr":493},"\u002Fes\u002Fconciliacion-bancaria-en-excel","\u002Ffr\u002Frapprochement-bancaire-excel","\u002Fit\u002Friconciliazione-bancaria-excel","\u002Fpt\u002Fconciliacao-bancaria-excel","\u002Ftr\u002Fbanka-mutabakati-excel",{"title":12,"path":14},[496,497,498,499,500],{"id":125,"type":52,"title":126,"description":127,"path":128},{"id":34,"type":29,"title":35,"description":36,"path":37},{"id":51,"type":52,"title":53,"description":54,"path":55},{"id":299,"type":41,"title":300,"description":301,"path":302},{"id":46,"type":41,"title":47,"description":48,"path":49},[],1793285443830]