Payments look like expenses in the spreadsheet
Check whether the statement expresses amounts as debits and credits or signed values. Confirm how the destination import expects a liability account to be represented before changing signs.
Free Tool
Convert readable credit card statement PDFs into reviewable CSV rows. Check purchases, repayments, refunds, fees and transaction dates before spreadsheet use.
Drop your bank PDF statement
Digital or scanned. Password-protected files are fine.
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Accounter can attempt transaction extraction from readable credit card statement PDFs. Upload the complete statement, review purchases, repayments, refunds, interest and fees against the original, then export CSV. Check the statement’s debit and credit convention before using the rows: a card purchase and a card repayment affect the outstanding balance differently.
Updated · Accounter product workflow guide
Fictional example in rand: opening amount owed R2,000, purchases R500, interest and fees R50, and a repayment R800 give a closing amount owed of R1,750 (2,000 + 500 + 50 − 800). This illustrates the direction of transactions, not a universal CSV sign convention. Match the actual statement and your import template. Keep opening balance and credit limit separate from transaction rows.
Check whether the statement expresses amounts as debits and credits or signed values. Confirm how the destination import expects a liability account to be represented before changing signs.
Some card statements show only summary balances. Use the printed transactions and statement totals for review; do not invent a running balance for rows where the source does not provide one.
Check which amount is the original purchase and which is the billed account-currency amount. Compare the extracted rows and any exchange fees with the PDF before importing.