Guides

Credit card statement PDF to Excel (DBS, OCBC, UOB, Citi, HSBC, Amex)

How to turn a Singapore or Malaysia credit card statement PDF into a spreadsheet with charges and payments in separate columns, and how to check the result against the statement's new balance.

Card statements are a different shape from bank statements: there's no running balance, charges and payments share one amount column (payments marked CR, in parentheses, or with a minus), and most issuers print two dates per line, the transaction date and the posting date.

What a good conversion looks like

• One row per line on the statement, including payments, refunds and fees.
• Charges in one column, payments and credits in another, never a single signed column you have to interpret.
• Both dates kept.
• A check: previous balance + charges − payments = new balance. If the converter can't show that, you can't tell whether it dropped a row.

Doing it

1. Download the statement PDF from the card issuer's app or internet banking (same place as account eStatements).
2. Drop it on the credit card converter. It recognises DBS/POSB, OCBC, UOB, Maybank, HSBC, Citibank, Standard Chartered and American Express layouts.
3. Read the review panel before downloading: it shows previous balance, charges, payments and new balance, and whether they tie.
4. Download as Excel, CSV, or as OFX/QBO to import the card as a feed in Xero or QuickBooks.

Importing into accounting software

Card charges are money out, so in Xero or QuickBooks CSV format they come through as negative amounts and payments as positive, which is what those imports expect. For QuickBooks Desktop or a Xero bank feed replacement, use QBO or OFX; the card account is created as a credit card account with the statement's closing balance.

Foreign currency

The billed amount in your card's currency is the one in the sheet. The original currency and amount printed under the line stay in the Details column for reference.