Bank Statement Converter for UAE
Emirates NBD, ADCB, Mashreq, FAB, DIB — PDF to Zoho Books, QuickBooks or Excel.
"Handles multi-currency USD/AED accounts perfectly."— Fatima A., Dubai
- · Zoho Books
- · QuickBooks
- · Tally
- · Xero
UAE FTA VAT categories for standard-rated, zero-rated, and exempt supplies.
Supported United Arab Emirates banks
VAT & compliance guidance
Standard UAE VAT is 5%. Each line is tagged as standard-rated (SR), zero-rated (ZR), exempt (EX) or out-of-scope (OS) — exactly the buckets the FTA VAT201 return expects.
Transactions with Free Zone counter-parties (JAFZA, DMCC, DAFZA and 20+ others) are flagged for out-of-scope treatment where applicable, and standard-rated inside the UAE where not.
From FY 2024 onwards, UAE Corporate Tax at 9% applies above AED 375k profit. We separate qualifying vs. non-qualifying free-zone income so your CT return is straightforward.
Cross-border services from non-resident suppliers are auto-flagged for reverse charge; both output and input entries are generated so the net VAT impact is zero.
United Arab Emirates conversion checklist (VAT, statement retrieval, common mistakes)
A downloadable Markdown checklist covering retrieval channels for United Arab Emirates banks, the VAT / statutory fields to preserve, the accounting formats your CA will ask for, and the top conversion mistakes to avoid. Print it before your next reconciliation run.
Popular conversions
How to convert a United Arab Emirates bank statement
Works with every United Arab Emirates bank we support — digital PDFs, scans and phone photos.
- Step 1
Upload the statement
Download the PDF from your United Arab Emirates bank's internet banking or app and drop it in. Password-protected files are accepted — the password is entered once and never stored.
- Step 2
Review the parsed rows
The bank template is detected automatically, VAT treatment is applied, and the running balance is reconciled line by line so nothing is silently mis-read.
- Step 3
Export to Zoho Books
Download as Zoho Books, QuickBooks, Tally-ready files, or plain Excel and CSV for anything else.
United Arab Emirates bank statement conversion — FAQs
Which United Arab Emirates banks are supported?
We support 11+ United Arab Emirates banks including all major private, public sector and neo-banks. Any statement in PDF, image or CSV form works.
Is my United Arab Emirates bank statement data private?
Files are processed in isolated per-session storage, encrypted in transit, and auto-deleted within 24 hours. They are never used to train external models.
What accounting tools can I export to?
Zoho Books, QuickBooks, Tally, Xero — plus CSV, Excel, QBO and OFX for anything else.
How do I get an Emirates NBD or ADCB statement?
Emirates NBD online banking → Accounts → Statement of Account → e-statement PDF. ADCB → Accounts → Download Statement. Both files often carry a password based on your Emirates ID or date of birth; enter it once at upload.
Are the categories ready for the FTA VAT201 return?
Yes. Each line is tagged standard-rated, zero-rated, exempt or out-of-scope, matching the boxes on the FTA VAT201 return, with reverse-charge entries generated in pairs.
Can it handle multi-currency AED/USD accounts?
Yes. Foreign-currency lines keep their original amount and the applied rate alongside the AED value, so the exchange difference is auditable.
How long should UAE businesses keep records?
Five years under the UAE VAT law, and fifteen years for real-estate records. Converted Excel or CSV archives meet the record-keeping requirement.
What is a bank statement?
A bank statement is a periodic document issued by your bank listing every transaction on an account for a period — usually one month. It shows the opening balance, each debit and credit with a date and description, and the closing balance. Banks issue it as a PDF, a printed copy, or a downloadable CSV/OFX file.
How do I get a bank statement?
Sign in to your bank's internet banking or mobile app, open the account, choose Statements (sometimes 'e-statements' or 'Documents'), pick a date range, and download the PDF. Most banks keep 12–24 months online; older periods are requested from a branch or support. You can upload the downloaded PDF here directly — no need for the CSV version.
How long should I keep bank statements?
As a rule of thumb keep them seven years if they support a tax return, three years for general business records, and at least one year for personal budgeting. Digital copies count in most jurisdictions, so converting statements to Excel or CSV is a valid way to archive them in a searchable form.
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