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StatementSmith
Bank statement converter

Every statement a client sends, in the format your software wants.

Drop in a bank statement CSV and get back .qbo, .qfx, .ofx or .iif — with the closing balance checked against the rows before you download, not after you have imported.

  • US, UK and EU layouts read without configuration — one amount column or split debit/credit
  • Nothing is uploaded. The file is read in this browser tab and never stored
  • No account and no card, with no limit on CSV conversions

No sign-up needed. Files never leave your browser.

What happens to your file

Three passes, no queue, and no email link to wait for.

01
It reads the table

Dates, descriptions and amounts come across exactly as printed — nothing rounded, reordered or inferred. Letterhead above the real header and totals rows below it are skipped, and counted so you can check the number.

02
It checks the maths

Opening balance plus every row should equal the closing balance your bank printed. When it doesn't, you are told the exact size of the gap — before you download, not after you have imported.

03
It writes the file

A real OFX document with the statement period, a ledger balance and a distinct id on every transaction — not a CSV renamed. Pick a different export and the same reading is rewritten; you don't convert twice.

Balance validation

A converter that tells you when it missed something.

Most tools hand you a file and let you find out in your ledger. Every conversion here is reconciled against the closing figure first — read from your statement’s balance column when it has one, or typed in from the page when it doesn’t.

When the totals don’t meet you get the exact size of the gap, every row that did read, and the converted file anyway.

Sample balance check

Closing balance is 240.18 short

A transaction may be missing — review the rows below, or re-upload including all pages.

Opening4,210.11
Rows total1,154.46
Computed5,364.57
Statement says5,604.75

A sample result. This is the same component the converter uses.

Formats

A bank statement CSV in, any of these out. Convert once and switch between them without re-reading the file.

Client statements never leave the tab

Conversion runs in your browser, in JavaScript on this page.

No server copy

Closing the tab discards the file and everything read out of it. There is nothing to delete later and nothing to breach.

Nothing to opt out of

There is no upload step to decline, because there is no upload. Open your browser's network tab and convert — you will see no request carrying your data.

Keeps working with the network off

Once this page has loaded, conversion runs with no connection at all. Useful on a client site with locked-down wifi, and a plain demonstration that the file stays put.

Questions people actually ask

Does my statement get uploaded anywhere?
No. The conversion runs inside your browser using JavaScript on this page. The file is read from your disk into memory, converted, and offered back as a download. Nothing is sent to a server, so there is nothing for us to store, log or delete. You can confirm this by opening your browser's network tab while you convert.
Do I need an account?
No. There is no sign-up, no email capture and no usage limit on CSV conversion.
How do I know every transaction came through?
Every conversion shows a balance check above the results. If your file has a running balance column, the opening and closing balances are read from it automatically; otherwise you can type them in from your statement. The check adds up every converted transaction and compares the result to the closing balance, and tells you the exact amount of any difference.
My dates came out wrong. What happened?
A date like 05/01/2026 is ambiguous: 5 January in the UK and most of Europe, 1 May in the US. Turn on the day-first option and the file is re-read immediately. If your statement contains a date that can only be day-first, such as 19/02, the converter points this out before you download.
Some rows were skipped. Is that a problem?
Usually not. Totals rows, page footers, repeated column headings and blank lines carry no transaction date, so they are left out and counted. The skipped count is shown with the results so you can check it against what you expected.

Try it on the statement that’s annoying you right now.

No account, no card, no limit. If the layout isn’t recognised you will know immediately, rather than after a support ticket.

Convert a statement