Yes — unlimited use, no signup, no credit card. The rules engine ships with the page and runs in your browser; there are no per-request costs on our side.

Does my data leave my browser?

No. Every line you paste is matched locally with regex. Nothing is uploaded, logged or stored. Reload the page and your data is gone.

Why heuristics instead of an AI categoriser?

Determinism. The same input always produces the same output, you can see why every label was chosen, and it runs offline with no API bill. For most personal-finance triage tasks that's more useful than an LLM guess.

It mis-labelled a row — what do I do?

Either tweak the description before pasting (add a clearer keyword), or edit the exported CSV's Category column. The rules are conservative, so most surprises come from generic merchant names; a small edit usually fixes it.

Can I add my own categories or rules?

Not from the UI today — the rules are baked into the page so it stays a single static file with no backend. If you'd find a self-hosted JSON of the dictionary useful, let us know and we'll publish it.

Does the tool support amounts in EUR, USD, GBP, INR etc.?

Yes. Currency symbols (€, £, $, ₹, ¥) are stripped silently and both 1,234.56 and 1.234,56 are accepted. The category labels don't depend on currency.

I have a PDF, not a list of transactions. What now?

Run the PDF through our main converter first — you'll get clean rows you can paste straight in here. The free tier is 7 pages a day with no signup.

What is the best PDF bank statement converter?

The best converter depends on your accounting software. For QuickBooks, look for one that exports a native .qbo file (Web Connect format) — that skips column mapping entirely. For Xero, a tool that produces a Xero-template CSV with merged Money-In/Out columns will save the most time. StatementEdge handles both natively, plus Sage, Excel, CSV, and generic OFX, with automatic balance-chain reconciliation that flags any extraction error before you import.

How do I convert a PDF bank statement to QuickBooks?

The most reliable path is to convert the PDF directly into a QuickBooks Web Connect file (.qbo) instead of going through CSV. CSV import in QBO requires manual column mapping and breaks on UK/EU number formats. A .qbo file imports natively with no mapping. Upload your PDF to a converter that supports .qbo output (such as StatementEdge), download the .qbo, then in QBO go to Banking → Upload from file → File upload.

How do I convert a bank statement PDF to Excel?

Use a converter that respects your bank's locale (US, UK, EU, etc.) and emits an Excel file with ISO dates and signed amount columns. Generic OCR tools often misread comma decimals as thousands separators or split Money-In/Money-Out columns into two separate amount fields. Specialised converters like StatementEdge normalise these automatically before export.

Are PDF bank statement converters safe to use?

Safety depends on three things: where the file is processed, whether it's retained, and whether your data is used for AI training. StatementEdge processes files in the EU (Frankfurt), auto-deletes the source PDF within 1 hour by default, and uses AI providers with no-training settings enabled. Look for these guarantees on any converter you're considering — many tools store statements indefinitely and may be in jurisdictions without GDPR protection.

What's the difference between QBO, QFX, and OFX file formats?

All three are based on the Open Financial Exchange (OFX) SGML format from the late 1990s. .ofx is the generic format, accepted by GnuCash, MoneyDance, Beancount, and many open-source tools. .qfx is Quicken's flavour, identical to OFX 1.0.2 with Quicken-specific headers. .qbo is Intuit's QuickBooks Desktop and Online flavour, which adds an INTU.BID tag identifying the originating financial institution. For QuickBooks use .qbo; for Quicken use .qfx; for anything else use .ofx.

How do I convert scanned (image) bank statements?

Scanned PDFs don't have a text layer, so traditional CSV-export tools fail on them. You need a converter with vision capability — one that can read pixels, not just embedded text. StatementEdge detects scanned pages automatically and routes them through a vision model with the same balance-chain verification as digital PDFs, so you still get a reconciled output even from an image-only source.

Can I batch-convert multiple bank statements at once?

Yes. StatementEdge accepts multiple PDFs in a single drag-and-drop or file selection — each becomes its own conversion job and the results page shows per-file status with the reconciliation verdict for each. For programmatic batch processing, the REST API is available on every plan (free tier included) and exposes the same conversion endpoint.

Free expense categorizer — auto-label bank transactions in seconds

What this tool does

Bank statements arrive with raw merchant strings like TESCO STORES 2843 LONDON or SUMUP *CAFE LISBON. They are useful for traceability but useless for budgeting unless you bucket them. This tool takes that list and applies a keyword dictionary to label each line with one of 18 common categories — Groceries, Restaurants, Transport, Fuel, Travel, Utilities, Rent & Housing, Healthcare, Insurance, Subscriptions, Shopping, Entertainment, Bank Fees, ATM / Cash, Tax & Government, Income, Transfers, or Uncategorised.

It is a heuristic categoriser, not an AI. That is a feature: the rules are transparent, deterministic, fast, and run with zero network calls. The same input always produces the same output. If a line is mis-categorised, you know exactly why and can fix it in the exported CSV.

How the rules work

Each line is split into a description and an amount. The description is matched against an ordered list of regex rules — the first matching rule wins. Rules are ordered so that high-confidence cases (e.g. SALARY, NETFLIX) take priority over generic ones. The dictionary covers common UK, EU, US and Indian merchants:

Groceries— Tesco, Sainsbury's, Aldi, Lidl, Mercadona, Edeka, Albert Heijn, Whole Foods, Trader Joe's, DMart, Reliance Fresh, …
Transport & Fuel — Uber, Lyft, Bolt, Free Now, TfL, Trainline, SNCF, Deutsche Bahn, Shell, BP, Esso, Indian Oil, Bharat Petroleum, …
Utilities— EDF, E.ON, Octopus, Iberdrola, Vodafone, O2, Three, Verizon, AT&T, Jio, Airtel, council tax, …
Subscriptions — Netflix, Spotify, Apple, Disney+, Prime Video, Adobe, Notion, Figma, ChatGPT, GitHub, Microsoft 365, …
Income — payroll, salary, wages, HMRC refunds, dividends, pensions, reimbursements, …
Bank Fees, ATM, Transfers — overdraft, FX fee, ATM withdrawal, standing order, SEPA, UPI, NEFT, IMPS, …

Anything that doesn't match a rule falls into Uncategorised. That bucket is your edit list — review it manually and, if a merchant comes up repeatedly, you can add it to the categorisation step in your accounting tool.

What it accepts as input

One transaction per line. The amount can be at the start, end, or anywhere on the line — the parser looks for the rightmost numeric token and treats that as the amount. Locale-aware: 1,234.56 and 1.234,56 both work, as do parentheses for negatives ((84.50)) and CR/DR suffixes.

Examples that all work:

01/06 TESCO STORES LONDON -84.50
NETFLIX SUBSCRIPTION 12.99 DR
2026-06-15 SHELL PETROL (64.10)
SALARY ACME LTD 3.200,00

What it's good at — and what it isn't

Good for: spot-checking a month of personal spending, sanity-checking an export from your accounting tool, building a quick category breakdown without spinning up a spreadsheet, or staging data before pasting it into Notion / a budget app. Because everything runs in your browser, you can paste data you would never upload to a SaaS categoriser.

Not a replacement for:proper bookkeeping. Real bookkeeping needs a chart of accounts, VAT logic, multi-entity rules and an audit trail. Use this tool for triage, not journals. If you need a full pipeline — PDF statement → balance-reconciled transactions → ready-to-import accounting file — that's exactly what our main bank statement converter does. Free for 7 pages a day.

Workflow ideas

Monthly self-audit.Paste your current month's transactions, skim the summary chips, find the categories that are larger than you expected.
Year-end clean-up.Run the past 12 months through the tool, export the CSV, and pivot in a spreadsheet to spot subscription creep — every recurring charge ends up under Subscriptions or Utilities so they're easy to find.
Pre-import labelling. Categorise first, then import into a budget app. You bring opinionated labels rather than letting the app guess.
Client review.Bookkeepers can paste a client's narration list, show the breakdown in a meeting, and use the Uncategorised pile as the question list.

How to handle mis-labelled rows

The rules are conservative — a line goes Uncategorised rather than guessing wrong. If you see a mis-label, the most likely cause is a generic keyword (e.g. a merchant name that contains cafe). Two ways to fix it:

Edit the description before pasting — replace the ambiguous part with a clearer keyword (e.g. add OFFICE SUPPLIES to the line).
Edit the exported CSV — the Category column is plain text, so you can change it in any spreadsheet before importing into your accounting tool.

Get the data into the tool faster

If you're starting from a PDF, copy-pasting line by line is painful. Run the PDF through our converter first — you get clean rows you can paste straight in here, with the amounts already in the right column. The free tier handles 7 pages a day; paid plans start at €19/month for everything (including QBO, Xero, Sage and Excel outputs). The plan estimator tells you which one fits your volume.

Expense categorizer — auto-label transactions in seconds