[{"data":1,"prerenderedAt":479},["ShallowReactive",2],{"hubs:en":3,"footer:en":25,"content:en:categorize-bank-transactions":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":51,"locale":345,"type":52,"slug":346,"title":347,"description":54,"h1":53,"lead":348,"updated":349,"hub":16,"steps":350,"blocks":360,"faq":432,"related":454,"alternates":456,"path":55,"hubPage":466,"relatedPages":467,"listing":478},"en","categorize-bank-transactions","Categorize Bank Transactions Automatically with AI","Upload a bank or credit card statement and every transaction comes back with a **clean payee name** and a **category from your own list**, in your language. Rules you set always win; AI categorizes everything else, and the Excel export totals it all by category and month.","2026-10-28",[351,354,357],{"title":352,"body":353},"Upload your statements","PDFs, scans, phone photos, or your bank's CSV, Excel, OFX or QIF downloads — from any bank, in any language.",{"title":355,"body":356},"Review the categories","Each transaction has a payee and a category. Change any category you disagree with, and turn the change into a rule so the next statement gets it right.",{"title":358,"body":359},"Export","Download Excel with a Summary sheet by category and month, or a CSV, Xero, QuickBooks, OFX or QIF file.",[361,391,396,406,415,422,427],{"h2":362,"p":363,"table":366},"How automatic categorization works",[364,365],"Bank descriptions are written for the bank's systems, not for people: card terminal codes, store numbers, masked card numbers and reference strings. Categorizing them starts with working out who was actually paid. So every transaction first gets a clean payee name, then a category.","Your own rules are applied first. Everything they don't cover is categorized by AI (Anthropic's Claude), which reads the whole description, the amount and whether money went in or out, and picks one of **your** categories. Anything that doesn't fit lands in the catch-all **Uncategorized**, where it's easy to find. For example:",{"head":367,"rows":371},[368,369,370],"On the statement","Payee","Category",[372,376,380,384,388],[373,374,375],"POS DEBIT WHOLEFDS MKT #10234","Whole Foods","Groceries",[377,378,379],"SQ *BLUE BOTTLE COFFEE","Blue Bottle Coffee","Restaurants & Cafes",[381,382,383],"ADOBE *CREATIVE CLD 800-833-6687","Adobe","Software & Subscriptions",[385,386,387],"ACH DEPOSIT ACME CORP PAYROLL","Acme Corp","Income",[389,390,375],"KARTENZAHLUNG REWE SAGT DANKE 4711","REWE",{"h2":392,"p":393},"Use your own categories, in any language",[394,395],"You start with a default list in your language — Income, Transfers, Groceries, Restaurants & Cafes, Transport, Housing, Utilities, Software & Subscriptions, Professional Services, Bank Fees, Taxes and more — that works for both business and personal accounts. Rename, add or remove categories until the list matches how you actually report.","That might be your chart of accounts (\"6100 Software\"), the expense lines of a tax form, or a household budget. Category names can be in any language, independent of the statement's language: a Spanish or German statement can be sorted into English categories, and the other way round. For help choosing a list, see [business expense categories](\u002Fbusiness-expense-categories).",{"h2":397,"p":398,"ul":400,"note":405},"Rules that always win",[399],"Some things only you know: that a transfer to J. Smith is rent, or that a payment from a person's name is a client invoice. When you change a transaction's category, you can turn it into a rule — **description contains X → category** — and it applies to every future statement before the AI is asked. Typical rules:",[401,402,403,404],"**Transfers between your own accounts** — e.g. a savings account number → Transfers, so they don't show up as spending or income","**A landlord or contractor paid by personal name** → Housing or Professional Services","**Client payments** that arrive with an invoice reference → Income","**Owner's drawings** or personal spending on a business card → a category you name yourself","Rules always beat the AI, so once a rule exists you get the same category every time, on every statement.",{"h2":407,"p":408,"ul":410,"note":414},"Totals by category and month",[409],"The Excel export has a Summary sheet next to the transactions, with the totals people usually build by hand:",[411,412,413],"Money in, money out and net change for the period","Money in, money out, net and number of transactions per category","The same totals per month, for statements that span several months","Select a full year of statements and export them together to get one workbook with annual totals per category — the starting point for [tax preparation](\u002Ftax-preparation) or a yearly [personal budget review](\u002Fpersonal-finance).",{"h2":416,"p":417},"How to categorize bank transactions in Excel",[418,419,420,421],"If you'd rather do it by hand, the usual Excel method is a keyword table. Put the keywords and categories in an Excel table (Insert → Table) named **Rules**, with a Keyword and a Category column — for example WHOLEFDS → Groceries, UBER → Transport, ADOBE → Software. Then, next to a description in B2, use this formula in Excel 365:","**=XLOOKUP(TRUE, ISNUMBER(SEARCH(Rules[Keyword], B2)), Rules[Category], \"Uncategorized\")**","SEARCH looks for every keyword inside the description, and XLOOKUP returns the category of the first keyword it finds, so put specific keywords (UBER EATS) above general ones (UBER). Keep the table free of blank rows, because an empty keyword matches every description. Then total with **=SUMIFS(D:D, C:C, \"Groceries\")** (amounts in column D, categories in C) or a PivotTable with Category in Rows and the date grouped by month in Columns.","This works, but the keyword list never stops growing: every new merchant, every bank that abbreviates differently, every card terminal code needs a new row. Starting from an [Excel export](\u002Fbank-statement-to-excel) that is already categorized leaves you only the exceptions to fix — and you can still add your own formulas next to it.",{"h2":423,"p":424},"Categorize before import, or in QuickBooks and Xero?",[425,426],"QuickBooks Online, Xero and Zoho Books all have bank rules that categorize transactions coming in through their bank feeds, and if all your accounts are connected, those rules are the natural place to work. Categorizing the statement first is the better fit when you need a categorized spreadsheet rather than ledger entries — for a tax return, a client review, a lender or a budget — when an account isn't connected, or when you're working through months of old PDFs.","Categories travel with the Excel, CSV and QIF exports, and in the Analysis code column of the [Xero CSV](\u002Fbank-statement-to-xero). The [QuickBooks files](\u002Fbank-statement-to-quickbooks) carry the clean payee name and the statement text, and you assign accounts in QuickBooks as usual.",{"h2":428,"p":429},"Check and correct in one place",[430,431],"No automatic categorization is right every time, so everything stays editable. On the review screen you can change any date, description, amount or category; the balance check re-runs when you save, so a fix never silently breaks the totals. Corrections you turn into rules make the next statement more consistent.","Your statements aren't used to train AI, the uploaded file isn't stored, and there is never a bank login or bank connection. Wondering whether a general chatbot could do the same? See [ChatGPT vs a bank statement converter](\u002Fchatgpt-vs-bank-statement-converter).",[433,436,439,442,445,448,451],{"q":434,"a":435},"How are transactions categorized automatically?","Your rules are applied first. Every other transaction is categorized by AI, which reads the description, amount and direction and picks one of your categories; anything that doesn't fit goes to Uncategorized.",{"q":437,"a":438},"Can I use my own categories?","Yes. Rename, add or remove categories, in any language. The AI only ever assigns categories from your list.",{"q":440,"a":441},"How do I categorize bank transactions in Excel?","Build a table of keywords and categories, then use =XLOOKUP(TRUE, ISNUMBER(SEARCH(Rules[Keyword], B2)), Rules[Category], \"Uncategorized\") next to each description, and total with SUMIFS or a PivotTable.",{"q":443,"a":444},"Does it clean up payee names?","Yes. Each transaction gets a readable payee, e.g. **Whole Foods** instead of POS DEBIT WHOLEFDS MKT #10234. The original description is kept in its own column.",{"q":446,"a":447},"Can I see totals by category and month?","Yes. The Excel export's Summary sheet totals money in, money out and net per category and per month.",{"q":449,"a":450},"Is my data used to train the AI?","No. Uploaded files are processed in memory and not stored, and transactions are never used to train AI. See [security](\u002Fsecurity).",{"q":452,"a":453},"What does it cost?","Categorization is included in every conversion. PDF and photo pages are paid per page with transactions; your bank's CSV, Excel, OFX or QIF files use no pages (you still need a plan or pack). See [pricing](\u002Fpricing).",[46,324,334,125,329,455],"compare-chatgpt",{"de":457,"es":458,"fr":459,"en":55,"ja":460,"it":461,"nl":462,"pl":463,"pt":464,"tr":465},"\u002Fde\u002Fkontoauszuege-auswerten","\u002Fes\u002Fcategorizar-movimientos-bancarios","\u002Ffr\u002Fcategoriser-releve-bancaire","\u002Fja\u002Ftsucho-shiwake","\u002Fit\u002Fcategorizzare-movimenti-bancari","\u002Fnl\u002Ftransacties-categoriseren","\u002Fpl\u002Fkategoryzacja-transakcji","\u002Fpt\u002Fcategorizar-gastos-extrato","\u002Ftr\u002Fharcama-kategorileri",{"title":17,"path":19},[468,469,470,471,472,473],{"id":46,"type":41,"title":47,"description":48,"path":49},{"id":324,"type":29,"title":325,"description":326,"path":327},{"id":334,"type":29,"title":335,"description":336,"path":337},{"id":125,"type":52,"title":126,"description":127,"path":128},{"id":329,"type":29,"title":330,"description":331,"path":332},{"id":455,"type":474,"title":475,"description":476,"path":477},"compare","ChatGPT vs a bank statement converter","Can ChatGPT convert a bank statement to Excel? When chat assistants work, why they miss rows on long statements, how to verify any output, and privacy.","\u002Fchatgpt-vs-bank-statement-converter",[],1793285443725]