Convert BMO PDF statements to Excel, CSV or QuickBooks

Updated 2026-10-10

Need BMO transactions in a spreadsheet or your accounting software, but only have PDF statements? LocalLedger reads text-based BMO checking, savings and credit card statements inside your browser — the file is never uploaded — and rebuilds clean rows: date, description, signed amount and balance.

Step 1: Get the PDF from BMO

Sign in to BMO online banking, open the account and look for Statements (sometimes under Statements & documents or the account menu). Download each month as PDF. Statements downloaded this way contain real text, which is what a converter needs. A scan or a phone photo of a paper statement does not — run OCR on it first.

Only need the last few weeks? Online banking may offer a direct CSV or Excel download of recent activity — use it. PDF conversion is for older months and for statements someone sent you.

Step 2: Convert it

Open the converter and drop one or more BMO PDFs on it (several months at once is fine).
Check the summary: opening balance + transactions should equal the closing balance. A mismatch means a row was missed or misread.
Review the table, fix anything odd, remove duplicates if months overlap.
Download: QuickBooks Online, Xero, Excel, CSV, QIF or OFX.

What is different about Canadian statements

Dates: Canadian statements usually use a mix of "Jan 05" and numeric day-first or month-first dates. LocalLedger detects the order from the whole file and fills in the year from the statement period.
Amounts: debits and credits are often in separate columns or marked with signs like CR/DR. You get one signed Amount column (money out negative) plus optional Money In / Money Out.
Credit cards: card statements print purchases as positive numbers. For your books they are money out, so LocalLedger detects card statements and flips the signs — payments to the card become positive.
Currency: amounts are kept as printed (CAD); no conversion is applied.

Is it safe?

Most online converters upload your statement to their server. LocalLedger does the work with JavaScript on your own device, so the statement never leaves it. See is it safe to upload bank statements online?

If your statement is not read correctly

Bank layouts change. If a BMO statement converts with missing or wrong rows, email ahlak2049@gmail.com with a description of the problem (no need to send the statement) — and you can always correct rows in the table before exporting.

LocalLedger is an independent tool and is not affiliated with or endorsed by BMO. Bank names are trademarks of their owners and are used only to describe compatibility.

Try it with your own statement. LocalLedger reads the PDF or CSV in your browser, shows every transaction for review and checks the totals against the statement balances.

Convert a BMO statement — free preview

FAQ

Can I convert BMO statements without uploading them?

Yes. The conversion runs in your browser; the PDF is never sent to a server.

Is it free?

You can preview every transaction and export up to 15 rows free. LocalLedger Pro is a one-time $29 payment for unlimited exports.

Does it work with scanned BMO statements?

No. It needs text-based PDFs, like the ones downloaded from online banking. Scans need OCR first.