Convert a password-protected bank statement PDF to Excel
Most Indian banks email or download account statements as locked PDFs. Upload the file, enter the statement password when asked, preview the first page without signing in, and download Excel (XLSX), CSV, or Tally XML. The password is used in server memory to unlock the file and is never stored or logged. New accounts get 10 free pages. Files are deleted within 24 hours.
You do not need to strip the password first
Some workflows go through a separate "remove PDF password" tool, then a converter. That leaves an unlocked statement sitting on a disk. Toolzy accepts the locked PDF directly. If you still need a permanently unlocked file for your own archive, the PDF Password Remover is on the same site, but it is not a required step for conversion.
Where the password usually comes from
Use the rule printed in the bank's e-statement email or on the download screen. This page does not guess a formula a bank has not published. Where a bank has published a rule, the dedicated bank page on Toolzy quotes it and links to the bank: HDFC NetBanking account-statement PDFs use the Customer ID, according to HDFC's net-banking FAQ; Axis documents two patterns that start with the first four letters of the name on the statement; ICICI documents a credit-card rule (last four digits of the card) and a different rule in account-statement emails. SBI and Kotak do not publish one password for every PDF on the public pages Toolzy cites, so those Toolzy guides refuse to invent one. If your email says something else, follow the email.
How to convert a locked statement
- Download the PDF: Download the PDF from net banking, the bank's app, or the e-statement email.
- Open converter & upload: Open the Bank Statement Converter and upload the file (up to 50 MB).
- Enter statement password: When prompted, enter the statement password.
- Preview first page: Preview the first page without signing in, to check that the table looks right.
- Convert full statement: Sign in to convert the full statement. New accounts get 10 free pages.
- Download Excel, CSV, or Tally XML: Download Excel for review, or CSV or Tally XML if that is what the books need. Compare the rows with the PDF before you use them.
When you should not use this tool
If the bank already offers its own Excel or CSV download (SBI, HDFC, and some Axis corporate paths do), and that file is all you need, use the bank's file. Use this converter when the file you have is the PDF — including a locked email statement, a client forward, or a format the bank's spreadsheet does not cover. Toolzy does not file GST or ITR and does not publish an accuracy rate.
Frequently asked questions
Is it safe to enter my statement password?
The password is used in server memory to unlock the PDF and is never stored or logged. Files and extracted data are permanently deleted within 24 hours, or sooner if you choose. See the privacy policy.
Do I have to remove the password before I convert?
No. Enter the password in the converter. Removing protection first is optional and only needed if you want an unlocked copy of the original PDF.
What password opens my bank's PDF?
Use the rule in the e-statement email or on the download screen. HDFC, ICICI, and Axis publish rules, which are quoted with sources on those bank pages. SBI and Kotak do not publish one universal password on the public FAQs Toolzy cites, and this site will not guess one.
Can I still get Tally XML from a locked PDF?
Yes. Unlocking happens before extraction. You can download Excel, CSV, or Tally XML from the same file.
What is the file-size limit?
Each PDF can be up to 50 MB. You can add more than one PDF in the same session.
What if the password is wrong?
The file will not unlock. Re-check the email or the bank's download screen, including letter case and whether the bank wants a date of birth, customer ID, or card digits.
Upload the locked PDF and download Excel, CSV, or Tally XML
Upload the locked PDF and download Excel, CSV, or Tally XML. Preview the first page without signing in. New accounts get 10 free pages. For bank-specific password notes, open the SBI, HDFC, ICICI, Axis, or Kotak guide. For a stack of client files, use the page for CAs and bookkeepers.