A bank statement converter to save you the retyping: upload a PDF from any UK bank and get every transaction in Excel or CSV, matched to your receipts.
Bank statements tell you what you spent. Receipts prove why. Upload your PDF, CSV or Excel bank statement and the AI extracts every transaction in minutes, ready to export to Excel or CSV. Then it matches each one to the right receipt or invoice from your archive.
Business Owners in 175 Countries Trust SparkReceipt
See what changes when AI handles your bank statements
Upload your statement as a PDF, CSV, or Excel file. SparkReceipt handles digital PDFs, scanned paper statements, and exported spreadsheets from any bank: Barclays, HSBC, Lloyds, NatWest, Santander, Monzo, Starling, Tide, or any other. The AI reads statements in any language and processes 190 currencies.
SparkReceipt's AI reads your bank statement and extracts every transaction: dates, amounts, payees, descriptions and running balances. Each transaction becomes a structured, searchable record. No manual data entry.
The AI compares each transaction against every receipt and invoice in your archive, matching by amount, date, and vendor name. Matched transactions link to their source documents. Unmatched transactions are flagged so you can see exactly which receipts are missing.
Most bank statement tools stop at conversion. They turn your PDF into a spreadsheet and hand it back to you. The transactions sit there with no proof attached to any of them.
SparkReceipt does both halves. Upload your bank statement and your receipts, and the AI connects them automatically. Every matched transaction links directly to its proof of purchase. Every unmatched transaction tells you exactly what's missing from your records.
The missing receipts are usually still in your inbox. Email history extraction pulls past email receipts in, as far back as you choose, so they can be matched to the statement too.
That distinction matters more under Making Tax Digital. HMRC expects your income and expense records to be kept digitally, and a bank line on its own isn't a record of what the spend was for. Matching the receipt to the transaction is what turns a bank feed into an actual expense record.
Most bank statement extractors only accept PDF files. That means OCR processing, potential errors, and no support for the CSV or Excel exports your bank already provides.
SparkReceipt accepts all three formats. Upload a scanned PDF statement and the AI-powered OCR extracts every transaction. Upload a CSV or Excel export from your online banking and get perfect, instant extraction with no OCR needed. Upload credit card statements, business current account statements, or savings account statements.
The OCR works in any language, so statements from international banks are processed just as accurately as UK ones. Useful if you bank with a UK challenger for day-to-day trading and hold a separate account abroad for overseas suppliers.
If your business operates across borders, billing in euros, receiving payments in dollars, paying suppliers in yen, you need a bank statement extractor that handles multiple currencies natively.
SparkReceipt processes statements in 190 currencies. Each transaction is extracted with its original currency intact. Exchange rates are applied using the transaction date, so your figures convert to sterling at the rate that applied on the day rather than today's rate.
Upload statements from different banks in different countries and see everything unified in one view. This is particularly valuable for income tracking across international clients and for expense tracking with overseas suppliers.
Your accountant wants the transactions in a spreadsheet, and your bank gave you a PDF. There are three ways to get from one to the other, and two of them are free.
To convert a bank statement to Excel or CSV in SparkReceipt:
A free bank statement converter turns a PDF into rows and stops there. For a one-off job on a clean digital statement, that is often all you need, and your bank's own CSV download is better still.
A bank statement extractor like SparkReceipt does the conversion and then the part a spreadsheet can't: it matches each transaction to the receipt or invoice already in your account and flags the ones with nothing behind them. Under Making Tax Digital that is the difference between a list of payments and a set of expense records. The matched lines can become categorised expenses and income in your reports, or be published to Xero or QuickBooks Online, and your accountant can join your account free to work from the same data.
SparkReceipt is not a free one-off converter. It is paid software with a 7-day free trial, and statement extraction runs on credits, one per extracted transaction line, with credits included in your plan every month. The help centre explains how extraction credits work.
A bank statement shows your account number, your balance and everyone you paid. Before you upload one anywhere, find out who runs the service, where the files are stored, how long they are kept and whether you can delete them. For SparkReceipt, the answers are on our security page: data is encrypted in transit and at rest, files are stored in the EU, you can delete your documents, and we do not sell your data.
Convert, match and categorise in one tool, without retyping a single line. Cancel any time.
Each extra user: £0.75/month, billed £9 annually. Accountant access is free.
The essentials for keeping your receipts and expenses organised.
Total for 1 user · £59.00 billed annually
+ VAT/GST where applicable
Get Started7-day free trial
50 documents / month
For receipts and invoices
More receipts, more automation. Less to do yourself.
Total for 1 user · £109.00 billed annually
+ VAT/GST where applicable
Get Started7-day free trial
Unlimited documents*
Everything in Pro, plus:
Elite, with hands-on setup from a SparkReceipt founder.
£350 one-time setup + £109.00/year Elite for 1 user
+ VAT/GST where applicable
Get the Founder packAnnual plan only · No free trial
Everything in Elite
Plus a working session with a founder:
Unlimited linked accounts on every plan.
Unlimited document scanning on Elite is subject to fair use. Bank statement extraction uses monthly renewable credits. Historical email imports include a free allowance; larger imports use credits, with the cost shown before you start.
“SparkReceipt is one of the very few software purchased that exceeded my expectations. Great product, great features, great value.”
Robert Connolly
The Internet Design Co. · Scotland
“With SparkReceipt, organizing and tracking expenses has never been easier. The detailed categorization and expense tracking features make financial management a breeze.”
Jean-Pierre Michael
Artist · France
“Thanks to SparkReceipt I have a quick look to my business accounts status in a glance. It is really impressive.”
Rafael Roa
System Arquitectura · Spain
Join 38,283 businesses that chose SparkReceipt — 4,620,044 receipts processed and counting.
Start Free TrialA bank statement extractor reads your bank or credit card statements and automatically pulls out every transaction (dates, amounts, payee names, descriptions and balances) into structured, searchable data. Instead of manually typing transactions into a spreadsheet, you upload the statement file and get organised data in seconds. SparkReceipt goes further than most extractors by also matching each extracted transaction to your receipts and invoices automatically.
SparkReceipt accepts bank and credit card statements in PDF, CSV, and Excel (XLSX) formats. This is more flexible than most competitors, which only handle PDFs. If your bank provides a CSV or Excel export from online banking, you can upload that directly for instant, perfect extraction with no OCR processing needed. For paper statements, scan them to PDF and upload the scanned file. The AI-powered OCR handles both digital and scanned PDFs.
Yes. SparkReceipt processes statements from UK high street banks and challengers alike: Barclays, HSBC, Lloyds, NatWest, Santander, Monzo, Starling, Tide and others, as well as banks worldwide. The AI adapts to different statement layouts automatically, so there are no bank-specific templates to configure and no waiting for your bank to be added.
After SparkReceipt extracts transactions from your bank statement, the AI compares each transaction against every receipt and invoice stored in your account. It matches based on amount, date, and vendor name. Matched transactions are linked directly to the source document, one click away from the original receipt. Unmatched transactions are flagged, so you know exactly which receipts are missing. Upload the missing receipt later and it's matched automatically.
It helps with the record-keeping side of it. MTD for Income Tax requires you to keep digital records of your business income and expenses, and SparkReceipt keeps those records digitally and links each one to the underlying receipt or invoice. SparkReceipt is not HMRC-recognised filing software and does not submit your quarterly updates; you'll use MTD-compatible filing software for that. SparkReceipt keeps the records clean and complete so that submission is straightforward.
SparkReceipt's AI delivers high accuracy across all supported formats. For CSV and Excel uploads, extraction is near-exact because the data is already structured. For PDF statements, the AI-powered OCR handles both digital PDFs (near-perfect accuracy) and scanned paper statements (which depend on scan quality). You can always review, edit, or add notes to any extracted transaction for complete control.
Yes. SparkReceipt handles both bank statements and credit card statements in the same way. Upload your credit card statement as a PDF, CSV, or Excel file, and the AI extracts every transaction. Credit card transactions are then matched to receipts just like bank transactions. This is particularly useful for businesses that put most purchases on a card, because you can quickly identify which charges have receipts attached and which don't.
It's included on both plans, from Pro at £4.92/month billed annually, along with receipt scanning, matching and expense reports. Extraction uses credits, one per transaction line, and every plan includes credits each month. Some competitors sell statement extraction separately. Dext, for example, charges for its Bank Statement Extraction add-on on top of the base subscription. With SparkReceipt there is no separate line item for it.
Yes. Every plan includes 1 user, with more available at a per-user rate, and inviting your accountant is always free. It never uses a paid seat. They can view your extracted transactions, matched receipts, categorised expenses, and reports directly within the app. This makes month-end reconciliation and Self Assessment preparation significantly faster, because your accountant sees organised, matched data instead of boxes of paper.
Download a CSV from online banking if your bank offers one for the period. If you only have a PDF, Excel on Windows can import a digital statement through Data > Get Data > From File > From PDF. For scanned or long statements, upload the file to SparkReceipt, review the extracted lines, then click Export and choose Excel.
Yes. Export the extracted transactions as CSV from the statement's transaction view. You can also skip the file: SparkReceipt publishes categorised expenses and income straight to Xero and QuickBooks Online, with the receipt attached.
Yes. Several websites convert a PDF statement to Excel for free, and your bank's own CSV download costs nothing. They stop at the spreadsheet. A bank statement converter like SparkReceipt is paid, with a 7-day free trial, and adds what a free tool doesn't: matching every transaction to a receipt, flagging what's missing, and keeping the records for Making Tax Digital.
Yes. SparkReceipt integrates with both Xero and QuickBooks Online for direct data transfer. You can also export your extracted and matched transaction data as CSV, Excel, or PDF reports. Whether you need the data in your accounting software, in a spreadsheet for your accountant, or as a formatted report, SparkReceipt works as your bank statement converter and keeps the receipts attached.
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