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Guides
Practical guides for getting statement data out of a PDF, checking that it adds up, and getting it into your books. Each one is written around a real problem, with fictional examples.
Written by the PennyTie team. PennyTie is the tool used as the example. General information, not accounting or tax advice.
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Bank Statement PDF to CSV: Convert and Check the TotalsStep-by-step: turn a text-based bank statement PDF into a CSV for Excel or accounting software, and verify that opening balance plus credits minus…Credit Card Statement PDF to CSV: Get the Signs RightCredit card statements differ from bank statements: purchases raise the balance, payments lower it. Convert one to CSV and check it ties out.Password-Protected Bank Statement PDF to CSV: What to DoBank statement PDF asks for a password? How to get a copy you can convert to CSV, with a route diagram, a checklist, and why to keep it private.Scanned vs Text Bank Statement PDF: The 10-Second TestFind out in 10 seconds whether your bank statement PDF is text-based or a scanned image, why scans won't convert to CSV in the browser, and how to…
Privacy and trust
Convert a bank statement PDF without uploading it — how to verifyOnline PDF converters send your statement to a server. Browser-only conversion keeps it on your computer. Here is the difference, and a 60-second…Is my statement uploaded? Verify it yourselfWhat PennyTie sends over the network, what it never sends, what the design protects against and what it does not, and three ways to check it…How PennyTie checks your numbersThe arithmetic behind PennyTie's verified, requires review and unsupported results: the balance formula, cent-exact math, balance chaining, card…Upload-based vs in-browser statement converters: what to checkA symmetric comparison of cloud (upload) and local (in-browser) bank statement converters: strengths of each, PennyTie's limits, and a short…
Fix problems
Statement Totals Don't Match After PDF to Excel? Read the GapA converted bank statement doesn't add up? The size of the difference points to the cause: a missing row, a flipped sign, swapped columns or…Bank Statement CSV Won't Import? 7 Causes and FixesWhy accounting software rejects a bank statement CSV: header junk, date formats, amount columns, unquoted commas, delimiters and duplicates.…How to Reconcile a Bank Statement in Excel: 5-Step ChecklistReconcile a bank statement against your records in a spreadsheet: a five-step routine, a worked example with fictional numbers, and a checklist.How to Reconcile a Credit Card Statement (Worked Example)A step-by-step routine for reconciling a credit card statement against your books, with a worked example, a decision flow for chasing differences,…
Accounting software and tax time
PDF Bank Statement to QuickBooks Online CSV: Step by StepTurn a PDF bank statement into a CSV for QuickBooks Online: column layout, signs, a balance check before upload, and what to review in the import…Make a Xero Bank Statement CSV from a PDF (Step by Step)Turn a PDF bank statement into a CSV for Xero's statement import: match Xero's own template, use one signed Amount column, fix dates and check the…Prepare a Bank Statement CSV for Accounting Software ImportDates, signs, amounts and extra rows: the formatting problems behind most failed bank CSV imports, with a before/after example and a pre-import…Tax Season Bank Statement Checklist (Printable, 8 Steps)A printable checklist for gathering, converting and checking a year of bank statements before you file or hand records to an accountant, including…
For bookkeepers and comparing tools
Bank PDF to CSV for Bookkeepers: Private, VerifiedA workflow for bookkeepers who receive client statements as PDFs: convert in the browser, verify the totals, then import, without uploading client…Free Statement Converter? 6 Checks Before You Trust OneQuestions to ask before using a free bank statement PDF to Excel or CSV converter: where the file goes, whether totals are verified, page limits…ChatGPT or PennyTie for a bank statement? A fair comparisonA symmetric comparison of pasting a statement into a general AI chatbot versus a local statement converter: who each suits, limits of both, and a…Alternatives to PennyTie: other ways to get a statement into a spreadsheetA fair guide to the other ways to turn a bank statement into CSV or Excel: your bank's export, cloud converters, manual table tools and AI…
Reference
Bank statement glossary: terms you meet when converting to CSVPlain-English definitions of 30 bank and card statement terms, from opening balance and posted vs pending to CR/DR and 1,234.56 vs 1.234,56, with…ChangelogWhat changed in PennyTie and when: launch features in November 2026, plus the guide and security page rewrites of 2026-11-05.
日本語ガイド
通帳PDFをCSV・Excelにする方法｜まずCSVの有無を確認通帳アプリやネットバンキングのPDF明細をCSV・Excelにする手順。先に確認したいCSV提供の有無、テキストPDFとスキャンPDFの違い、変換後の残高検算までをまとめました。クレジットカード明細PDFをCSVに｜合計がずれる理由と対策カード会社のご利用明細PDFをCSV・Excelにする方法。CSVの有無の確認、分割・リボ・返金など合計が単純にならない項目、会計ソフトに取り込む前の確認点を解説します。確定申告前の銀行・カード明細 整理チェックリスト確定申告の前に、通帳・ネットバンキング・カードの明細で確認したいことをチェックリストにしました。期間の抜け、残高の照合、事業と私用の区別、PDFしかない過去分の扱い。freee・マネフォに明細CSVを取り込めない時の確認表freeeとマネーフォワード クラウド会計の公式ヘルプで確認できた、明細CSVの取り込み条件を整理。日付の形式、金額の列、和暦、重複、文字化けの確認点を紹介します。PDF明細の合計が合わない原因｜差額から探す方法通帳・カード明細のPDFをCSVにした後、合計が期末残高と合わない主な原因（行の抜け、符号の反転、列の取り違え、和暦・年またぎ、改ページ）と、差額から探す手順。