Check debt movement, not just the minus signs
For a card statement, opening balance owed + debits − credits = closing balance owed. In this invented example, 100.00 owed plus a 45.00 purchase minus a 30.00 payment leaves 115.00 owed. A payment reduces debt; it is not another purchase.
| Date | Description | Debit | Credit | Balance owed |
|---|---|---|---|---|
| 2026-09-02 | SYNTHETIC PURCHASE | 45.00 | 145.00 | |
| 2026-09-03 | SYNTHETIC PAYMENT | 30.00 | 115.00 |
If you choose signed CSV instead, the same transactions look like this real CSV output. The negative balance represents debt, not a failed reconciliation.
Synthetic example — invented transactions, no customer or account information.
Date,Description,Amount,Balance
2026-09-02,SYNTHETIC PURCHASE,-45.00,-145.00
2026-09-03,SYNTHETIC PAYMENT,30.00,-115.00
Review the workbook's dates and status columns
The XLSX export contains Transactions and Summary sheets. Transactions use separate Debit and Credit columns, plus Date, Description, Balance, Page and Status. Posting Date and Cardholder appear when the result contains them. An opening-balance row may appear; do not count it as a purchase or payment.
When the PDF shows both a transaction date and a posting date, compare the right column with the original statement. Check period boundaries, refunds, fees, payments and rows carried across pages. Review markings help you find unresolved rows; they do not replace checking the PDF.
Keep missing amounts or balances distinct from zero. A payment shown in the wrong column can reverse the result even if the description looks familiar. Confirm the account type before downloading; changing it may require processing the statement again.
Convert one account at a time
- Download the bank's original text PDF for one credit-card account. Scans, photos and encrypted files are unsupported; current limits are 50 pages and 20 MiB.
- Choose or drag the PDF onto the application's upload page. Upload and review are available without an account.
- Confirm Credit card, compare the opening and closing balances owed, and inspect flagged transactions against the PDF.
- Sign in and select Excel (.xlsx) on the download page. The web free allowance and credit requirements still apply; see pricing.
Balance agreement is one check, not a certification of the statement. Use the verification checklist and keep the source PDF for your own comparison. Bank-specific layouts need their own validation; these synthetic examples do not establish support for every issuer.