Convert your credit card PDF to Excel, then reconcile every charge with VLOOKUP. Works for personal, business, and corporate cards from any issuer — free, no signup required.
Credit card PDFs are formatted for humans — not Excel. The statement looks clean on screen, but when you try to copy-paste into a spreadsheet, amounts land in wrong columns, merchant names wrap across rows, and dates import as text. Every transaction needs manual cleanup before you can even start reconciling.
Bank Statement Engine converts your credit card PDF to a clean, structured Excel file in seconds — one transaction per row, columns labeled correctly, amounts as proper numbers. That's step one done. Then you reconcile using the formulas below.
Upload credit card PDF above — download clean Excel with Date, Merchant, Amount
Sheet 1 = credit card transactions. Sheet 2 = your internal records (expense report / PO / ledger)
Match each transaction against internal records — flag anything unmatched
Investigate unmatched charges — dispute, recode, or document each one
Add a Match column to your credit card transaction sheet (Sheet 1). In cell D2 (assuming Date in A, Description in B, Amount in C):
This looks up the amount (column C) in your ledger's amount column and returns the matched account code. Anything that returns "NOT FOUND" needs investigation.
For matching by description when amounts vary:
Use SUMIF when multiple ledger entries total to one card charge (e.g., a vendor invoice split across departments):
For personal finance, reconciling your credit card statement means checking every charge against your memory (or bank records) to catch fraud, unexpected charges, or billing errors. Convert your statement PDF to Excel, sort by amount descending, and review the top charges first. Use conditional formatting to highlight amounts over a threshold you set.
Business card reconciliation matches card charges against expense reports, purchase orders, and the general ledger credit card liability account. The three-way check: (1) receipt matches statement, (2) statement matches expense report, (3) expense report matches GL entry. Our Excel output gives you clean data to drive steps 2 and 3.
Corporate card programmes (Amex Corporate, Citi Commercial, Mastercard Commercial) issue statements per cardholder. Convert each cardholder's PDF statement to Excel, combine into a master workbook, and run a pivot table by employee and expense category. Compare totals to the monthly billing summary from the card programme.
Indian credit card statements from HDFC Bank, ICICI Bank, SBI Card, Axis Bank, and Kotak Mahindra are fully supported. Dedicated extractors handle Indian date formats, rupee amounts, GST/service charge rows, and reward point credits — which are excluded from the reconciliation data automatically.
UK credit card statements including Barclaycard, HSBC, Lloyds Bank, NatWest, and American Express UK are extracted with DD/MM/YYYY date formatting and GBP amounts. Foreign transactions show original currency and converted GBP amount in separate columns.
All major US card issuers are supported: American Express, Chase Sapphire/Freedom/Ink, Citi (Double Cash, Strata Premier), Capital One Venture/Quicksilver, and Discover. Business versions of these cards (Amex Business Gold, Chase Ink, Citi Business) are also handled.