How to Convert ANZ Bank Statements to Excel

ANZ Statements and the Spreadsheet Struggle

ANZ is one of those banks where the PDF statements are perfectly readable—until you actually need to do something with the data. You can view them, print them, file them away. But the moment you need those transactions in a spreadsheet for budgeting, tax prep, or bookkeeping? That's where things get painful.

I've personally dealt with ANZ statements from dozens of different account types, and I want to share what I've learned about their format quirks and the fastest way to get your data into Excel.

ANZ Statement Format: What You're Working With

ANZ's PDF statements follow a fairly consistent layout across their personal banking products, though there are some differences between account types.

Personal transaction accounts (ANZ Access Advantage, ANZ Access Basic) show:

• Account holder name and address
• BSB and account number (ANZ BSBs typically start with 012, 013, 014, or 015)
• Statement period
• Transaction table: Date | Transaction Details | Debit | Credit | Balance
• Statement summary with opening balance, totals, and closing balance

Savings accounts (ANZ Progress Saver, ANZ Online Saver) have the same basic structure but typically fewer transactions. Interest credits are listed as regular transactions.

Credit card statements (ANZ Low Rate, ANZ Rewards) are a different beast entirely:

• Payment due date and minimum payment prominently displayed
• Transactions listed by post date
• International transactions include the foreign currency amount and conversion rate
• Annual fee charges appear as line items
• Interest charges broken out separately at the bottom

Business accounts add reference numbers and sometimes batch payment details that make the descriptions longer and more complex.

One thing I'll say for ANZ—their statement formatting is relatively clean compared to some other banks. The columns are well-defined and the font is consistent. That said, "relatively clean PDF" and "easy to get into Excel" are two very different things.

Downloading Your ANZ Statement

Here's the process through ANZ Internet Banking:

1. Log in at anz.com.au using your Customer Registration Number (CRN) and password
2. Select your account from the accounts overview
3. Click "Statements" in the account navigation. ANZ calls these "eStatements"
4. Choose the statement you want from the list. They're organized by month
5. Click to download the PDF. It opens in your browser or downloads directly depending on your settings
6. Save it somewhere you can find it

ANZ App alternative: You can also access statements through the ANZ App under Account > Statements. The app lets you share the PDF directly, which can be handy if you're working from your phone.

Important note on transaction exports: ANZ Internet Banking also has a "Download transactions" feature that exports CSV or OFX files for recent transactions. This is separate from the formal statement PDFs. The CSV export is useful but only covers recent history and doesn't include the same level of detail as the official statement.

The Copy-Paste Nightmare

Let me save you 45 minutes of frustration and explain why manual copy-paste from ANZ PDFs is a bad idea:

Column alignment is deceptive. On screen, the ANZ statement looks like a neatly formatted table. But the underlying PDF structure doesn't use actual table markup. The "columns" are just text positioned at specific coordinates. When you copy, you lose that positioning, and everything runs together.

Transaction descriptions are the main problem. ANZ's descriptions can be quite long, especially for card transactions. You'll see things like "VISA DEBIT PURCHASE CARD 1234 WOOLWORTHS METRO 1234 MELBOURNE AU" wrapping across two or three lines in the PDF. Copy-paste turns each line into a separate row, splitting one transaction into multiple broken entries.

The debit/credit split disappears. In the PDF, debits and credits are in separate columns. When you paste into Excel, they often merge into a single column—or worse, the amounts end up in the description column. Separating debits from credits manually across an entire statement is tedious and error-prone.

Dates need year correction. ANZ statements show transaction dates as "DD/MM" or "DD Mon" depending on the account type and statement period. The year isn't repeated on every row. If your statement spans December-January, you'll need to figure out which transactions belong to which year.

Running balance precision. ANZ shows the balance to two decimal places, but copy-paste sometimes drops the decimal formatting or adds extra spaces. If you're trying to reconcile, even small formatting issues cause your numbers not to add up.

Converting ANZ Statements with BankStatement2Excel

Here's the straightforward process:

Step 1: Upload

Go to bankstatement2excel.com and upload your ANZ PDF statement. Drag and drop works, or click to browse. You can upload multiple statements if you're doing a batch.

Step 2: Select Format

Choose Excel (.xlsx) for direct analysis and formatting, or CSV if you're importing into Xero, MYOB, QuickBooks, or similar accounting software.

Step 3: Convert and Download

Hit convert. In 30-60 seconds you'll have a clean spreadsheet with:

• Proper dates with year included, in Excel date format you can sort and filter
• Clean descriptions with multi-line text merged back into single cells
• Separate debit and credit columns with actual numeric values (not text)
• Running balance preserved and verified
• All pages combined into one continuous dataset

No cleanup needed. The file is ready to use immediately.

ANZ-Specific Issues and How We Handle Them

International Transaction Formatting

ANZ credit card statements show international purchases with both the foreign currency amount and the AUD equivalent, plus the exchange rate. Something like:

Our converter captures the AUD amount as the transaction value and preserves the foreign currency details in the description. If you need the foreign amounts in a separate column, our Business plan includes custom column mapping.

Visa Debit vs. Credit Card

ANZ has both Visa Debit (linked to your transaction account) and standalone credit cards. The statement formats are different:

• Visa Debit transactions appear on your regular account statement with "VISA DEBIT" prefix
• Credit card transactions appear on a separate credit card statement with different column headers

The converter auto-detects which format it's dealing with and parses accordingly.

Interest and Fee Line Items

ANZ includes interest charges, account fees, and government charges as line items in the transaction list. These sometimes have a different format than regular transactions (no description prefix, different date formatting). The converter handles these correctly—they won't be dropped or mis-parsed.

Statements Spanning Financial Year End

If you're converting statements from June/July for tax purposes, be careful about the financial year boundary. Our converter assigns the correct year to each transaction based on the statement period dates, so a June-July statement will correctly show June transactions as the previous financial year.

Multi-Account Statements

Some ANZ customers have linked accounts that appear on a single combined statement. Each account section has its own header and transaction list. The converter processes each section separately and creates a separate sheet (in Excel) or clearly marked sections (in CSV) for each account.

Who Benefits Most

Our heaviest ANZ users tend to be:

• Sole traders reconciling ANZ business accounts for BAS lodgement
• Accountants processing client ANZ statements—especially around EOFY
• Rental property owners using ANZ accounts for rental income and expenses who need clean records for their tax agent
• People applying for home loans who've been asked to provide 3-6 months of statements in spreadsheet format (some brokers specifically request Excel)

Security and Privacy

Your bank statements are sensitive documents. We use 256-bit TLS encryption for uploads, and we don't store your files after conversion. Once you download the result, both the original PDF and the converted file are deleted from our servers. No copies, no backups, no data retention.

Free to Try

Convert up to 10 pages per day at no cost. No credit card needed, no account required for the free tier. That's enough to test a couple of statements and make sure the output works for your ANZ account type.

Convert Your ANZ Statement →

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Got a question about converting ANZ statements? Email [email protected]