What statement periods can I convert?

Lloyds, Halifax, and Bank of Scotland online banking each provide up to 7 years of historic statements. Each upload accepts up to 100 pages — covering 12–18 months of personal account activity or 4–6 months of a busy Lloyds Business statement.

How does the CSV represent credits versus debits?

Lloyds Banking Group PDFs use Payments In and Payments Out columns; the CSV preserves both as unsigned positive columns alongside a Balance column. The Type column (DD, SO, FPI, FPO, CD, CPT, TFR) is preserved separately so you can drive Xero or Sage bank rules off transaction type.

How do I import the CSV into Xero, QuickBooks, or Sage?

The schema matches Lloyds' own internet-banking CSV export, so any existing import map works unchanged. For Xero use Manual Statement Import → Generic CSV (Payments Out → Spent, Payments In → Received). QuickBooks Online: 'Three-column CSV'. FreeAgent and Sage Business Cloud auto-detect the headers.

Does this handle Lloyds Commercial Banking statements?

Yes — Lloyds Commercial Banking uses the same statement template as Lloyds Business Banking, just with an additional cover sheet that's stripped automatically.

What about old Cheltenham & Gloucester or HBOS statements?

Statements issued under the current Lloyds, Halifax, or Bank of Scotland brands are fully supported. Pre-merger HBOS-branded PDFs typically extract cleanly but aren't officially tested.

Convert Lloyds PDF Statements to CSV

Lloyds Banking Group — Lloyds Bank, Halifax, and Bank of Scotland — issues all three brands' statements using the same underlying PDF template. This converter handles every LBG variant in one tool, producing a clean CSV with debit, credit, and running-balance columns that imports directly into Xero, QuickBooks, Sage, and FreeAgent.

One tool for the whole Lloyds Banking Group

Lloyds, Halifax, and Bank of Scotland statements look different on the cover but use an identical transaction table beneath the branded header. The converter detects which brand issued the statement, strips the brand-specific header, and outputs a uniform CSV. This matters because many UK households and businesses hold accounts across the group — a Lloyds business account, a Halifax personal account, a Bank of Scotland mortgage offset — and want a single workflow rather than three.

LBG statements use a Payments In / Payments Out two-column layout with a Balance column. Direct Debits are tagged DD, standing orders SO, Faster Payments FPI/FPO, card transactions CD, and ATM withdrawals CPT. The converter preserves these tags as a separate Type column so you can filter and categorise in Excel or set up automatic bank rules in your accounting software.

Common Lloyds, Halifax, and BoS workflows

Lloyds Business Banking customers use this for Xero reconciliation — Lloyds' Open Banking feed is reliable but occasionally misses a transaction, and a quick PDF-to-CSV conversion plus manual import closes the gap without duplicating entries.

Halifax personal customers use it for mortgage and remortgage applications, where lenders require six months of statements as a spreadsheet for affordability checking. Brokers paste the CSV into their criteria-matching tools and get an instant view of regular outgoings versus income.

Bank of Scotland customers, particularly in Scotland-based SMEs and law firms, use the converter for client account reconciliation under the Law Society of Scotland accounting rules — the running-balance column lets compliance officers verify the daily client balance against expected positions.

CSV format and accounting-software fit

Output columns: Date (DD/MM/YYYY), Type, Description, Payments Out, Payments In, Balance. The structure matches Lloyds' own internet-banking CSV export, so existing import templates in Xero, QuickBooks, Sage, and FreeAgent continue to work. For QuickBooks Online select 'Three column CSV' on import; Xero auto-detects the header row.

How it works

Upload Lloyds PDF — Lloyds, Halifax, or Bank of Scotland
Auto-Parse — Transactions extracted to clean rows
Download CSV — Drop into Xero or QuickBooks

Key benefits

Built for Lloyds personal current account layout
Handles Halifax and Bank of Scotland (same format)
Supports Lloyds Business Banking statements
Debit / Credit columns separated correctly
Running balance retained per row
Files auto-deleted after 1 hour

Common use cases

Lloyds business customer bookkeeping
Halifax personal account analysis
Year-end reconciliation across LBG accounts

Frequently asked questions

What statement periods can I convert?: Lloyds, Halifax, and Bank of Scotland online banking each provide up to 7 years of historic statements. Each upload accepts up to 100 pages — covering 12–18 months of personal account activity or 4–6 months of a busy Lloyds Business statement.
How does the CSV represent credits versus debits?: Lloyds Banking Group PDFs use Payments In and Payments Out columns; the CSV preserves both as unsigned positive columns alongside a Balance column. The Type column (DD, SO, FPI, FPO, CD, CPT, TFR) is preserved separately so you can drive Xero or Sage bank rules off transaction type.
How do I import the CSV into Xero, QuickBooks, or Sage?: The schema matches Lloyds' own internet-banking CSV export, so any existing import map works unchanged. For Xero use Manual Statement Import → Generic CSV (Payments Out → Spent, Payments In → Received). QuickBooks Online: 'Three-column CSV'. FreeAgent and Sage Business Cloud auto-detect the headers.
Does this handle Lloyds Commercial Banking statements?: Yes — Lloyds Commercial Banking uses the same statement template as Lloyds Business Banking, just with an additional cover sheet that's stripped automatically.
What about old Cheltenham & Gloucester or HBOS statements?: Statements issued under the current Lloyds, Halifax, or Bank of Scotland brands are fully supported. Pre-merger HBOS-branded PDFs typically extract cleanly but aren't officially tested.