Mixed statements
Review bank and card PDFs separately before combining exports.
Statement comparison
Bank statements vs. credit card statements
Compare balances, transaction direction, payments, credits, account activity, and reconciliation differences between bank and credit card statements.
No account to preview Statement contents stay local Review before export
monthly-statement.pdf4 rows shown
Money in$7,230.74Money out$2,061.38
01/03Payroll deposit+4,820.0001/07Office rent-1,850.0001/09Stripe payout+2,410.7401/21Insurance-211.38
Ready to export.csv
Built around a visible result
The sign convention is the critical difference
StatementForge does not hide extraction behind a black box. The transaction table, warnings, totals, and destination format stay visible so you can decide whether the result is usable.
- A bank deposit increases an asset account; a bank withdrawal decreases it
- A card purchase usually increases the amount owed; a card payment decreases it
- Credits and refunds can appear opposite to ordinary purchases
- Confirm the source statement's labels before normalizing signs
Side-by-side
The same transaction can point in opposite directions.
FieldBank statementCredit card statement
Primary balanceCash held in a deposit accountAmount owed to the card issuer
Typical purchaseReduces the bank balanceIncreases the card balance owed
PaymentMay appear as money leaving the bankReduces the card balance owed
Refund or creditUsually increases the bank balanceUsually reduces the card balance owed
Reconciliation focusOpening balance + net activity = closing balancePrevious balance + purchases - payments/credits + fees = new balance
A review-first workflow
From source document to a file you can inspect.
- 01
Choose
Select a statement PDF or use the safe sample.
- 02
Extract
Read its text layer or run limited local OCR.
- 03
Review
Check and correct the transaction table.
- 04
Export
Generate CSV from the reviewed rows.
Honest operating limits
Financial files still deserve a human check.
- This page is a practical guide, not financial, legal, tax, or accounting advice.
- Bank statement labels vary by bank, country, card network, and merchant processor.
- Use the converter output as a reviewable starting point, then confirm against the source statement.
Where this workflow fits
Use the converter for a defined job.
Expense reports
Use the source statement type to interpret whether an amount is a purchase, payment, refund, or deposit.
Accounting prep
Make sure imported signs match the account type in your bookkeeping software.
Practical questions
Statement comparison questions
Can StatementForge convert credit card statements?
It is designed around bank-style statement rows, but some credit card PDFs may parse. Review signs carefully.
Why do signs matter more on credit cards?
A payment can reduce what you owe while a purchase increases it, which differs from bank account cash movement.
Should I combine bank and card statements?
Only after reviewing each export and confirming signs and account types.
Does the app know my account type?
No. It reads statement rows from the file, so you should review context before importing.
Continue the workflow
Related statement tools and guides
How to read and check a bank statementLearn the common sections, transaction fields, signs, running balances, and review checks found on bank statements.Decode common bank statement abbreviationsUnderstand common bank statement codes such as ACH, POS, ATM, NSF, INT, REV, and recurring payment labels.Convert bank statement PDFs to ExcelTurn bank statement PDFs into an editable XLSX workbook with reviewable transaction columns and local browser processing.
Convert and review statement rows.
Choose a statement, inspect the extracted rows, and decide what to export.