Bank Statement Converter for the UK
HSBC, Barclays, Lloyds, NatWest, Monzo, Starling — PDF to Xero, QuickBooks, Sage in seconds.
"The Monzo & Starling parsers are spot on."— James H., Manchester
- · Xero
- · QuickBooks Online
- · Sage 50
- · FreeAgent
Making Tax Digital-friendly categories with VAT flags.
Supported United Kingdom banks
VAT & compliance guidance
Each transaction is coded to the correct VAT rate — standard, reduced, zero, exempt or outside scope — matching HMRC boxes 1, 4, 6 and 7 in the MTD return.
Exports are fully MTD-compliant: digital links preserved, no manual re-typing, submissible via Xero, QuickBooks, FreeAgent and Sage direct connections.
Subcontractor payments matching CIS patterns are flagged with 20% (registered) or 30% (unverified) deduction so your monthly CIS300 return is one click away.
Payroll deductions and NIC entries are surfaced separately so your Employment Allowance claim and R&D staff-cost portion are trivially auditable.
United Kingdom conversion checklist (VAT, statement retrieval, common mistakes)
A downloadable Markdown checklist covering retrieval channels for United Kingdom 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 Kingdom bank statement
Works with every United Kingdom bank we support — digital PDFs, scans and phone photos.
- Step 1
Upload the statement
Download the PDF from your United Kingdom 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 Xero
Download as Xero, QuickBooks Online, Sage 50-ready files, or plain Excel and CSV for anything else.
United Kingdom bank statement conversion — FAQs
Which United Kingdom banks are supported?
We support 23+ United Kingdom banks including all major private, public sector and neo-banks. Any statement in PDF, image or CSV form works.
Is my United Kingdom 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?
Xero, QuickBooks Online, Sage 50, FreeAgent — plus CSV, Excel, QBO and OFX for anything else.
How do I download a statement from Monzo, Starling or Barclays?
Monzo: Account → Statements → PDF or CSV. Starling: Account → Statements. Barclays: Statements & Documents in online banking. All three export cleanly; we read the PDF directly without OCR.
Are the exports Making Tax Digital compliant?
Yes. The digital link from statement to accounting software is preserved — no re-typing — and the file imports straight into Xero, QuickBooks, FreeAgent or Sage for the MTD VAT submission.
How long must UK businesses keep bank statements?
Six years from the end of the last company financial year under HMRC rules, and five years after the 31 January submission deadline if you are self-employed. Digital copies are accepted.
Does it handle CIS deductions?
Subcontractor payments matching CIS patterns are flagged with the 20% or 30% deduction so the monthly CIS300 return is straightforward.
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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