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Bank statements from PDF to Excel – transaction rows, balance fields

Bank statements from different banks into one table: transactions as rows with date, amount and balance, balances as fields – example with three bank layouts.

By Christian Gerloff · Updated August 29, 2026

In short: Tiro reads bank statements as PDF – from online banking or scanned – and returns the transactions as a table: one row per transaction with booking date, value date, description, reference, amount and balance; bank, account number, period and balances as header fields. The bank's layout does not matter. Below you see three statements of the same company at three banks and the values that come out of each.

How Tiro reads a bank statement

Every bank prints differently: separate columns for debits and credits or one signed amount column, dates as 07/31/2026 or 31-07-2026, amounts as 1,250.00 or 1.250,00, with or without a running balance. Layout converters break every statement differently; banking exports usually exist only for your own account, not for the statements of customers, tenants or clients.

Tiro works through the fields, not the layout: you define once which values you want and in what form – “signed amount”, “date as ISO”, “IBAN if printed”. The AI reads every page as text and as image, finds the values in the given layout and returns them in exactly that form: real numbers, real dates, the same columns for every bank.

What people typically pull out of bank statements

  • Transactions for bookkeeping – statements of accounts without a banking interface into the ledger or the reconciliation.
  • Checking third-party statements – lenders, landlords and law firms receive bank statements as PDF and need the transactions as a table.
  • Reconciling period and balances – opening and closing balance, totals of credits and debits per statement as fields for plausibility checks.
  • Credit card and payment provider statements – same pattern, different layout: one inbox with matching fields.

Why not the banking export or a PDF converter?

The CSV export from online banking is the best route – if you have it. For third-party statements, old periods or banks without an export, the PDF remains. PDF-to-Excel converters copy the layout into cells: different columns for every bank, dates as text, amounts with thousands separators as text. Parseur and Airparser solve this with fields, but return dates as text in the source format. With Tiro, dates, amounts and signs arrive normalised – in the same columns for every bank.

Example: from document to table

A fictional document, one inbox, one run in Tiro — shown unchanged. Company, people and figures are invented.

1. The documents (3 variants)

Statement of the fictional Meridian Commerce Bank for Harbor Lane Coffee Roasters Ltd, US layout with separate debit, credit and balance columns, 13 transactions
US business checking · Open the example PDF
Statement of the fictional Ashworth & Pell Bank with sort code, payment type codes and “Money out”, “Money in” and “Balance” columns, 11 transactions
UK business current account · Open the example PDF
Statement of the fictional Nordhaven Bank with IBAN, booking and value date, reference and a single signed amount column in European number format, without a running balance, 10 transactions
Euro account (SEPA) · Open the example PDF

2. The extracted data

Header fields once per document, the table as one row per line item — dates as dates, numbers as numbers. The first rows are expanded, the rest follows behind.

Header fields
FieldUS business checkingUK business current accountEuro account (SEPA)
BankMeridian Commerce BankAshworth & Pell Bank plcNordhaven Bank N.V.
Account holderHARBOR LANE COFFEE ROASTERS LTDHarbor Lane Coffee Roasters LtdHarbor Lane Coffee Roasters Ltd
Account number / IBAN****3391-0827GB29 ASPL 6091 2748 2139 07NL91 NRDH 0417 2266 05
CurrencyUSDGBPEUR
Statement dateJul 31, 2026Jul 31, 2026Aug 1, 2026
Period fromJul 1, 2026Jul 1, 2026Jul 1, 2026
Period toJul 31, 2026Jul 31, 2026Jul 31, 2026
Opening balance42,817.5518,426.129,312.4
Closing balance42,151.388,664.3816,009.93
Total credits48,168.615,33520,757.65
Total debits48,834.7725,096.7414,060.12
Line items (34)
SourceBooking dateValue dateDescriptionReferenceAmountBalance after
US business checkingJul 1, 2026Jul 1, 2026WIRE IN BEANLINE WHOLESALE LLC INV 2026-0611 REF 260701004122607010041218,45061,267.55
US business checkingJul 2, 2026Jul 2, 2026ACH DEBIT PACIFIC ROAST EQUIPMENT INC ID 99318779931877-6,29054,977.55
US business checkingJul 6, 2026Jul 6, 2026CARD PURCHASE PORTLAND PACKAGING SUPPLY PORTLAND OR—-1,184.653,792.95
US business checkingJul 8, 2026Jul 8, 2026ACH CREDIT HARBORVIEW HOTELS GROUP PAYMENT 44127441277,32061,112.95
US business checkingJul 10, 2026Jul 10, 2026WIRE OUT FINCA LA ESPERANZA GREEN COFFEE LOT 7 REF 2607100009826071000098-24,80036,312.95
US business checkingJul 13, 2026Jul 13, 2026CHECK 1042 CASCADE FREIGHT FORWARDING1042-2,35033,962.95
US business checkingJul 15, 2026Jul 15, 2026ACH DEBIT GUSTO PAYROLL 260715260715-11,842.322,120.65
US business checkingJul 17, 2026Jul 17, 2026MERCHANT DEPOSIT STRIPE TRANSFER ST-K8Q2MST-K8Q2M9,615.4231,736.07
US business checkingJul 21, 2026Jul 21, 2026ACH DEBIT OREGON DEPT OF REVENUE CAT Q2—-1,93029,806.07
US business checkingJul 24, 2026Jul 24, 2026CARD PURCHASE AMAZON BUSINESS SEATTLE WA—-412.8729,393.2
US business checkingJul 29, 2026Jul 29, 2026WIRE IN BEANLINE WHOLESALE LLC INV 2026-0642 REF 260729005172607290051712,78042,173.2
US business checkingJul 31, 2026Jul 31, 2026MONTHLY SERVICE FEE—-2542,148.2
US business checkingJul 31, 2026Jul 31, 2026INTEREST PAID—3.1842,151.38
UK business current accountJul 1, 2026Jul 1, 2026FPI GREENWAY CAFES LTD INV-2314INV-23144,86023,286.12
UK business current accountJul 3, 2026Jul 3, 2026DD THAMES WATER 00448120044812-186.423,099.72
UK business current accountJul 6, 2026Jul 6, 2026BAC BRAMLEY ROASTING SUPPLIES 3006130061-2,745.620,354.12
UK business current accountJul 8, 2026Jul 8, 2026FPI HOLLINS DELI GROUP INV-2320INV-23203,21023,564.12
UK business current accountJul 10, 2026Jul 10, 2026CHAPS NORDHAVEN BANK EUR ACCOUNT FUNDING—-9,50014,064.12
UK business current accountJul 14, 2026Jul 14, 2026DD HMRC VAT 245 8811 17245 8811 17-4,127.859,936.27
UK business current accountJul 17, 2026Jul 17, 2026FPO PAYROLL JULY 2026—-7,986.21,950.07
UK business current accountJul 21, 2026Jul 21, 2026CARD COSTCO WHOLESALE CROYDON—-538.191,411.88
UK business current accountJul 24, 2026Jul 24, 2026FPI EASTBOURNE ROASTERS CO-OP INV-2331INV-23312,1453,556.88
UK business current accountJul 28, 2026Jul 28, 2026FPI GREENWAY CAFES LTD INV-2338INV-23385,1208,676.88
UK business current accountJul 31, 2026Jul 31, 2026CHG MONTHLY ACCOUNT FEE—-12.58,664.38
Euro account (SEPA)Jul 2, 2026Jul 2, 2026SEPA Credit Transfer · Harbor Lane Coffee Roasters Ltd GBP→EUR funding via Ashworth & Pell Bank plcNOTPROVIDED10,982.15—
Euro account (SEPA)Jul 3, 2026Jul 3, 2026SEPA Direct Debit · Rotterdam Port Storage B.V. Mandate RPS-2024-0917 · warehouse rent JulyRPS-0726-114-1,460—
Euro account (SEPA)Jul 7, 2026Jul 7, 2026SEPA Credit Transfer · Kaffeehaus Lindqvist GmbHRE-77813,780—
Euro account (SEPA)Jul 9, 2026Jul 10, 2026SEPA Credit Transfer · Espressobar MolenaarINV 2026-06192,215.5—
Euro account (SEPA)Jul 13, 2026Jul 13, 2026SEPA Credit Transfer · Cooperativa Café del Valle Green coffee lot 44 · 60 bagsCCV-LOT44-8,900—
Euro account (SEPA)Jul 16, 2026Jul 17, 2026Card payment · Jumbo Supermarkt Rotterdam Centrum Card ending 4471—-96.32—
Euro account (SEPA)Jul 20, 2026Jul 20, 2026SEPA Direct Debit · Belastingdienst Omzetbelasting Q2 2026OB-2026-Q2-8827331-2,318—
Euro account (SEPA)Jul 23, 2026Jul 23, 2026SEPA Credit Transfer · Kaffeehaus Lindqvist GmbHRE-78023,780—
Euro account (SEPA)Jul 27, 2026Jul 28, 2026SEPA Credit Transfer · Hamburg Hafen Logistik GmbH Container drayage HH-RTMHHL-26-3390-1,275.9—
Euro account (SEPA)Jul 31, 2026Jul 31, 2026Account maintenance fee · July 2026—-9.9—
Show all 34 rowsShow fewer rows

3. What it looks like in Tiro

The result in the browser, right after the upload. From here it is one click to Excel or CSV.

The “Bank statements” inbox in Tiro with the three processed statements – US, UK and euro – all with status “done”

How it works

  1. Create an inbox

    A name is enough, for example “Bank statements”. On the first upload the AI proposes the fields – bank, period, balances and the transaction table. You decide once what should apply, such as “signed amount: credits positive, debits negative”.

  2. Upload the statements

    PDF statements from online banking or scanned paper statements – one by one or as a batch, from as many banks as you like. You never say which bank a statement comes from.

  3. Download the table

    Every statement yields the same column structure – one row per transaction, header fields such as bank and period repeated in every row. Excel or CSV, dates as dates, amounts as signed numbers; the tables of all statements stack directly underneath each other.

Related solutions

Frequently asked questions

Do I need a separate inbox for every bank?

No. One inbox with one field definition covers all banks – in the example a US, a UK and a euro statement run into the same table. The AI reads the fields from each layout, not from fixed positions. A second inbox only makes sense if you want different columns for an account.

How does Tiro handle debit and credit columns?

You set the target format in the field instruction. In the example it reads “credits positive, debits negative” – the US statement with separate columns, the UK statement with “Money in/out” and the euro statement with one signed column all arrive as a single amount field. You could just as well define two columns, “Debit” and “Credit”.

Are date formats like 07/31/2026 and 31/07/2026 recognised correctly?

Yes. Date fields always arrive as ISO dates (2026-07-31), whether the bank prints MM/DD/YYYY, DD/MM/YYYY or DD-MM-YYYY. The AI recognises the format from the context of the document; in the example all 34 booking dates are correct.

What happens if a bank does not print a running balance per transaction?

Then the field stays empty – as with the euro statement in the example. Tiro does not invent values that are not in the document; the field instruction says so (“empty if the statement does not print a running balance”). Opening and closing balance from the header are there regardless.

Does it work with multi-page statements and scans?

Yes. A PDF may be up to 10 MB, every page costs one page credit. Scanned paper statements are read from the page image, without any OCR setting – details on the PDFs & scans page.

Where are the statements processed?

On servers in Germany; AI processing runs through AWS Bedrock in the EU region Frankfurt, with no training on your data. Retention is set per inbox – down to “delete right after export”.