Convert a password-protected bank statement PDF to Excel

Many banks send statements as password-protected PDFs, with a password built from details like your name, date of birth or account number. StmtSnap asks for the password and converts the locked statement to Excel in one step, without you having to unlock and re-save the PDF first.

The PDF is unlocked in your browser. Neither the file nor the password is uploaded. Excel and CSV are free; Tally XML, QuickBooks QBO and Zoho CSV are on paid plans.

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Text PDFs are converted in this browser and never uploaded. Scanned PDFs are read by Google Gemini, and we ask first.

Before you convert: a text PDF stays on your device. If the PDF is a scan, we show a notice before any page is sent to Google Gemini, and scanned pages need a free account. Excel and CSV are free; Tally XML, QuickBooks QBO and Zoho CSV are on paid plans (pricing).

How the locked PDF is handled

  • You open the PDF; the converter sees it is locked and asks for the password
  • The PDF is unlocked in your browser, on your device
  • A wrong password gets a clear "incorrect password" message, not a broken file
  • Neither the PDF nor the password is uploaded or stored
  • You download Excel, plus Tally, QuickBooks and Zoho formats on paid plans

How to convert a locked statement

  1. Find the PDF password your bank set — it is usually explained in the email that delivered the statement.
  2. Open the password-protected PDF in StmtSnap.
  3. Type the PDF password when asked.
  4. Check the balance result under the table.
  5. Download the Excel file (and, on a paid plan, Tally XML, QBO and Zoho CSV).

Password formats are set by each bank and change from time to time, so the statement email is the reliable source. If you would rather remove the password yourself first, you can, but you do not need to.

A scanned, password-protected PDF is unlocked in the browser first; only then, and only after you agree, are its page images sent to the scanned-page service. The password itself is never sent.

Questions

Do I need to remove the PDF password before converting?
No. Type the password when asked and the statement is unlocked in your browser. There is no need to strip the password first.
Is my PDF password stored or uploaded?
No. It is used in your browser to open the file and is not uploaded or stored.
What is the password on my bank statement?
Banks set it themselves, usually from details like your name, date of birth, account number or PAN. The email that delivered the statement normally explains it.
Is the password-protected converter free?
Yes. Excel and CSV are on the free plan, locked statements included.
Which banks' locked statements are supported?
Any bank whose statement is a text PDF with a column header naming a date column and at least one money column (Debit/Credit, Withdrawal/Deposit, a single Amount, or Balance). A scanned PDF has no text to read, so it goes through the scanned-page path instead: you see a notice first, and it needs a free account.

Reference: Adobe — about PDF password protection

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