Convert bank statements for mortgage applications
Turn applicant PDF bank statements into lender-ready Excel spreadsheets in seconds. The file itself is never uploaded, and the applicant’s name, address and account number are never sent.
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Built for the mortgage industry
Privacy-First by Design
Your PDF file is never uploaded. Only the transaction lines are ever sent, with the applicant’s name, address, account number, IBAN and sort code stripped out first. If you save a converted statement, only the extracted data (never the PDF) is stored, and you can delete it anytime. Ideal for sensitive applicant financial data.
Lender-Ready Spreadsheets
Export clean, formatted Excel spreadsheets that summarise income, outgoings, and balances, ready to attach to mortgage applications. Batch-convert several applicants at once and download everything as a single ZIP.
Process in Seconds
Drop a 12-month bank statement and get a fully structured spreadsheet in under 10 seconds. No manual entry required.
1000+ Banks & Lenders
Supports statements from all major UK banks including Halifax, Nationwide, Barclays, HSBC, NatWest, Santander, and more.
Common use cases
Affordability Assessment
Quickly identify an applicant's regular income, standing orders, and recurring commitments from 3-6 months of statements.
Adverse Credit Review
Spot unusual transactions, returned direct debits, or large cash withdrawals that lenders may flag during underwriting. Built-in balance reconciliation and document integrity checks flag altered or fabricated statements before they reach the lender.
Self-Employed Income
Analyse business account statements to evidence self-employed income for complex cases and specialist lenders.
Mortgage broker questions
Can I convert statements a client emailed me, without their bank login?
Yes, and that is the point. Open banking tools need the applicant to connect their account; PivotBank works from the PDF they already sent you. That covers closed accounts, foreign banks, accounts the aggregator does not support, and the three or six months of history a lender asks for that predates any connection.
Is it safe to put a client's bank statement through an online converter?
The PDF is opened in your browser and the file itself is never uploaded, so the applicant's statement document never reaches our servers or anyone else's. Reading the transactions out of it needs the transaction lines to be sent, and the applicant's name, address, account number, IBAN and sort code are stripped out before they are. Nothing sent is stored. Our privacy policy names every processor and sets out exactly what leaves the device.
Can I check the statement has not been altered?
Every conversion recomputes the running balance line by line and flags any break. A doctored or incomplete statement almost always fails that check, which is a faster first pass than reading the PDF, and it catches missing pages before they reach an underwriter.
How many statements can I process for one application?
As many as you like. Every statement previews free. To convert a full statement, unlock it for a one-time £2.49. For a steady caseload, Pro is £11 a month for 1,000 premium pages with batch mode, which converts a whole application's statements in one pass and returns them as a ZIP.
What comes out, and will my affordability spreadsheet take it?
One row per transaction with date, description, money in, money out and balance, as Excel or CSV. Pro adds categorised income and spending, which is what most affordability models want, plus JSON if you feed a system directly.
What about scanned or photographed statements?
They work. When the PDF is a scan rather than a digital statement, OCR runs in your browser as well, so a phone photo from an applicant still converts. The balance check is the safety net: OCR errors usually break the chain and get flagged.