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Bank statement to Zoho Books

Bank Statement to Zoho Books

Turn a bank statement PDF into a CSV for Zoho Books with Date, Description, Reference Number, Withdrawals and Deposits columns. Check the preview and the balance check, then use Import Statement in Zoho Books. Nothing is uploaded.

Zoho Books CSV
Withdrawals and Deposits
Balance check
Date format choice
No upload

Drop your bank statement here

PDF with selectable text, or a CSV from your bank. Up to 50 files at a time

Make

File to make Date format in the file Order of the rows

More options: dates, number style, columns, credit cards

Day and month order in the statement Number style in the statement Year, if the dates have none Type of account

Columns in the file

Reference (when the statement has one) Amount column (money in minus money out) Running balance Source file name

Fixes

Swap money in and money out CSV with semicolons and decimal commas

File name (optional)

Check the first and last rows against your statement before you use the file. A flag in the Check column means the running balance does not add up at that row.

Preview. Click a cell to correct it.

Transactions found in your statement
Check	Date	Description	Debit	Credit	Balance	Remove

Done on your device. Your statement is never uploaded to FileXL or anyone else.

Found an error, or something was hard to use?

0 bytesuploaded, ever
Balance checkflags rows that do not add up
Up to 50statements in one file
Excel, CSV, QuickBooksreal dates and numbers

By FileXL Team | Last reviewed 13 November 2026 | Report a problem

How do I import a bank statement PDF into Zoho Books?

Add the statement PDF, check the preview, choose Zoho Books CSV and download it. In Zoho Books open Banking, choose the account, click the gear icon and choose Import Statement. Upload the CSV, match the columns and pick the date format.

How it works

How to turn a bank statement into a Zoho Books CSV in 3 steps

No app, no account and no waiting. The statement is read in your browser, so you see the rows and the balance check straight away.

Add the statement

Drop the PDF or a bank CSV in the box.
Check it

Read the preview and the balance check. Fix any row you see wrong.
Download for Zoho Books

Zoho Books CSV is selected. Download it and use Import Statement in Zoho Books.

Tips

Tips for Zoho Books

Zoho Books asks you to match the file columns to its fields. The names in this file match them closely.
Choose the date format in Zoho Books to be the same as in the file. The date format option here sets it.
Zoho Books also reads OFX and QIF. Both are available in this tool.
Import a short period first.

Other ways to convert a bank statement

Privacy

Private by design: your statement never leaves your device

Most online bank statement converters upload your PDF to a server. This one does not. The statement is read by your own browser, so your name, account number and every payment stay on your device. The PDF reader (PDF.js, an open source library) is loaded from FileXL when you add a PDF, and your file is never sent anywhere. You can watch the network tab of your browser to check, or turn off your internet once the reader has loaded.

Need to send a file to someone? Upload it with FileXL and share a link. The limit of this tool is scanned statements: a photo of a page has no text to read, and reading it needs OCR on a server, which would mean uploading it.

FAQ

Bank statement to Zoho Books questions, answered

Which columns does the Zoho Books CSV have?

Date, Description, Reference Number, Withdrawals and Deposits. Money out goes in Withdrawals and money in goes in Deposits, both as positive numbers.

Can Zoho Books read the PDF directly?

Zoho Books reads PDF statements for some banks only. For other banks you need a structured file such as CSV, OFX or QIF, which is what this tool makes.

Is my bank statement uploaded to a server?

No. The statement is read by your own browser. The PDF reader is loaded to your device when you add a PDF, and after that nothing about your statement is sent anywhere. Account numbers, names and transactions never reach FileXL. You can check this in your browser tools: after the PDF reader has loaded, you can turn off your internet and the conversion still works.

How accurate is the conversion?

Bank statements are laid out in many different ways, so no converter can promise a perfect result for every bank. That is why this tool shows the rows before you download them and checks each balance. A row that does not add up is flagged. Compare the first and last rows with the statement, fix any cell by clicking it, and keep the original PDF.

Can it convert a scanned or photographed statement?

No. A scan is a picture of a page and has no text to read. This tool does not do OCR. Download the statement again from online banking as a PDF, or ask your bank for a CSV or a digital copy.

What does the balance check mean?

When a statement prints a running balance, the tool adds each amount to the previous balance and compares the result with the printed one. A tick means they match. A warning means that row, or one just before it, was read wrongly or is missing. It is the quickest way to find a mistake.

Is this bank statement to Excel converter really free?

Yes. You can convert as many statements as you like without paying, without an account and without a watermark. A small advertisement may be shown on the page. Premium members of FileXL do not see it.

Sources

Sources and further reading

The facts on this page about QuickBooks files come from Intuit and its tool vendors, and the PDF reader is an open source project. Read them for the full detail.

QuickBooks Help: Format CSV files in Excel to get bank transactions into QuickBooksIntuit describes the 3-column (Date, Description, Amount) and 4-column (Date, Description, Credit, Debit) CSV layouts.
ProperSoft FAQ: INTU.BID in QBO and QFX filesA third-party explanation of the bank ID in QBO files and why it has to be one that QuickBooks allows.
Mozilla PDF.jsThe open source PDF reader (Apache 2.0) that this tool loads in your browser to read the text of a statement.
YNAB Help: File-Based ImportYNAB describes the CSV file import and the Date, Payee, Memo, Outflow and Inflow columns.
Wave Help: Upload a bank or credit card statement in CSV formatWave explains the CSV upload and recommends OFX, QBO or QFX when your bank offers them.
Zoho Books Help: Add transactions and import statementsZoho lists the statement formats it imports, including CSV, OFX and QIF, and where to start the import.
ProperSoft: Import a CSV file into XeroA third-party guide to the Date, Amount, Payee, Description and Reference columns that Xero maps on import.
QuickBooks Help: Manually upload transactions into QuickBooks OnlineShows how a CSV, QBO, QFX or OFX file is uploaded in QuickBooks Online.

About this tool

Made and checked by the FileXL Team

This bank statement converter is built and maintained by the FileXL Team, the people behind the FileXL file sharing service. We test it on many statement layouts, we check the Excel, CSV and QuickBooks files with standard spreadsheet and OFX tools, and we review this page and update it when browsers or the QuickBooks formats change. Layouts differ between banks, so always compare the result with your statement. Last reviewed 13 November 2026. Read more on the about page.

Found a problem or have an idea? Open the feedback form
Author: FileXL Team

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