Bank statement converter
The Zovo bank statement converter turns a bank or credit card statement into a spreadsheet. You upload a text PDF statement, or the CSV or Excel export from your bank. You get one row per transaction: date, description, signed amount, running balance and a suggested category.
Each statement is reconciled. The opening balance plus the transactions must equal the closing balance. When they do not, the converter points to the rows where the running balance breaks, so you can look for a missing or duplicated row.
Open the converter
The converter runs on its own Zovo page, statement-converter.zovo.one. Converting one statement to CSV or Excel is free and needs no account.
How to convert a statement
- Choose a statement file: a text PDF, a CSV or an Excel (.xlsx) file, up to 15 MB and 60 PDF pages.
- If the converter cannot detect them, choose the account type (bank account or credit card) and the date order of the file (month first or day first).
- Choose a format and download the file. The converter shows whether the statement balances.
Free and Zovo Pro formats
| Format | What it contains | Plan |
|---|---|---|
| CSV | Date, description, amount, balance and suggested category, for one statement. | Free |
| Excel (.xlsx) | Sheets for the transactions, the reconciliation, totals by month and totals by category, for one statement. | Free |
| QuickBooks (.qbo) | A Web Connect file for the QuickBooks bank import. | Zovo Pro |
| OFX 2.2 (.ofx) | For apps that import OFX, for example Xero, Quicken, GnuCash, Moneydance, Banktivity or YNAB. | Zovo Pro |
| QIF (.qif) | For Quicken and other apps that read QIF. | Zovo Pro |
| Xero CSV | The Date, Amount, Payee, Description and Reference columns of the Xero bank statement import. | Zovo Pro |
| Merged workbook (.xlsx) | Many statements in one workbook, with a check that each closing balance matches the next opening balance. | Zovo Pro |
The free plan converts one statement per download. Zovo Pro converts up to 24 statements per download. Zovo Pro costs $4.99 a month, or $99 once for lifetime access, and the same membership unlocks the Pro features in the included Zovo extensions. Get Zovo Pro. After you pay, you receive a license key that starts with ZOVO-. You paste it on the converter page.
What happens to your statement
The converter reads the file on the server in memory and returns the result to your browser. It does not store the statement or the converted file. It does not connect to your bank and does not ask for your online banking login.
Limits
- Text PDFs only. A scanned or photographed statement has no text layer and needs OCR first.
- Up to 15 MB, 60 PDF pages and 20,000 transactions per file.
- Categories are keyword suggestions. They are not accounting or tax advice.
- Check the imported transactions and the balance in your accounting software after an import.
Questions
Is the converter free?
Yes, for one statement at a time to CSV or Excel. QuickBooks, OFX, QIF, Xero CSV, the merged workbook and batches of up to 24 statements need Zovo Pro.
Can I use it in ChatGPT or Claude?
Yes. The same converter is available as the plugin Tallyproof Bank Statements for ChatGPT and Claude. The plugin returns Excel, CSV and QuickBooks CSV files.
What does "reconciled" mean here?
The converter adds the transactions to the opening balance and compares the sum with the closing balance printed on the statement, to the cent. It also checks the running balance row by row when the statement has one.