Why convert a card statement
A credit card statement is where small purchases hide: subscriptions that renewed quietly, a fee that appeared once, a refund that never arrived. In a PDF they are easy to read and hard to total. In a spreadsheet you can sort by merchant, group by month, tag business expenses and add up exactly what a category cost.
This page reads the transaction list of a card statement and turns it into one row per transaction, with the date, the merchant description and the amount, ready for Excel or as a CSV file.
How card statements are read
Card statements describe money from the card holder's point of view, and DocFig keeps that consistent:
- Purchases, fees and interest become money out, shown as negative amounts in the signed Amount column.
- Payments, refunds and credits become money in, shown as positive amounts. Issuers mark these in different ways, with a minus sign, a CR suffix or a separate column, and each of those is recognised.
- When there are two dates, the transaction date and the posting date, the transaction date is used.
- Summary boxes such as minimum payment, credit limit and interest rate tables are not transactions and are left out.
Checked against the statement
Most card statements do not print a running balance on every line, so the check works on the totals instead. The previous balance, minus payments and credits, plus purchases, fees and interest, must arrive at the new balance printed on the statement. When it does, the result says so. When it does not, you are told the size of the gap, which usually points straight at a missed or misread transaction. Every amount must also appear in the text of its page, so a figure that was never printed cannot slip in.
What you get
The Excel file has a Transactions sheet with Date, Description, Money out, Money in, Amount, Balance and Check columns, and a Statement sheet with the issuer, the last four digits of the card, the billing period and the balances. Dates are real date cells and amounts are numbers, so SUMIF by merchant or a pivot table by month works immediately. The CSV holds the same columns in UTF-8 with ISO dates.
Statements from any card issuer work, including scanned ones. The file is held in memory only, card numbers are masked before AI processing, and nothing is kept once the rows reach your browser. See how files are handled. For a bank account statement, use the bank statement converter.