How to Convert Monzo, Starling & Revolut PDF Statements to Excel (2026)

Monzo: Open the Monzo app, tap your profile icon, then Statements. Select the month and tap Download PDF. Monzo also offers CSV export from the same screen, but the PDF is the official statement of record and includes your name, account number, and sort code. Some users who rely on Monzo's instant notifications never check their statements — but for accounting, tax returns, or mortgage applications, the PDF is what you need.

Starling Bank: Open the Starling app, go to Account → Statements. Pick the period (monthly or custom range) and tap Download PDF. Starling statements have a clean layout with transaction categories already included. For Starling Business Toolkit users, make sure you download the bank statement PDF — not an invoice or expense report.

Revolut: Open the Revolut app or log in at app.revolut.com, go to Accounts → select the currency account → Statements → Generate statement. Choose PDF format and the date range. The key challenge with Revolut is multi-currency: if you hold GBP, EUR, and USD, each currency generates a separate statement — or in some cases, all currencies appear in one PDF with currency-switching sections. Revolut Business uses a different dashboard layout from Personal.

Monzo: Date (DD/MM/YYYY), Description (with merchant name and category), Amount, Balance, Currency (GBP).

Starling: Date (DD/MM/YYYY), Description (with category tags), Amount, Balance, Currency (GBP).

Revolut: Date (DD/MM/YYYY), Description, Amount, Balance, Currency (GBP, EUR, USD, or other). For multi-currency statements, each currency appears on its own sheet.

- Date — formatted as Excel dates in DD/MM/YYYY (sortable, filterable)

- Description — full transaction description including merchant name, category, and reference

- Amount — negative for debits, positive for credits

- Balance — running balance after each transaction

- Currency — GBP, EUR, USD, or other (Revolut multi-currency)

Revolut multi-currency (GBP/EUR/USD in one PDF): Revolut users who hold multiple currencies may receive a single PDF containing GBP, EUR, and USD sections with different opening and closing balances for each. pdftoxlsx detects each currency block and places them on separate sheets — one per currency — so balances reconcile correctly.

Revolut crypto transactions: If your Revolut account includes crypto holdings (Bitcoin, Ethereum, etc.), buy/sell transactions may appear in the PDF statement as exchanges. pdftoxlsx captures these as standard rows with the crypto asset name in the Description column and the fiat equivalent in the Amount column.

Revolut Business vs Personal layout: Revolut Business statements use a different PDF template from Personal accounts, with additional fields like VAT number, business name, and expense categories. pdftoxlsx detects both layouts automatically and extracts all fields. Business statements may also include team member spending — each transaction includes the cardholder name.

Monzo Pots/Savings showing as internal transfers: When you move money to or from a Monzo Pot (or Savings Pot), these appear in the statement as internal transfers. pdftoxlsx preserves the Pot name in the Description column (e.g., "Transfer to Holiday Pot") so you can filter these out or categorize them separately in your accounting software.

Monzo Joint Account format: Monzo Joint Account statements list both account holders in the header and include transactions from both users. pdftoxlsx extracts all transactions into a single ledger and writes both names to a Metadata sheet.

Starling Spaces appearing as transfers: Starling Spaces (sub-accounts for saving goals) generate transfer transactions when money moves between your main account and a Space. pdftoxlsx labels these clearly in the Description (e.g., "Transfer to Holiday Space") so they can be excluded from expense reports.

Scanned PDFs (rare for fintechs but possible from screenshots): Since Monzo, Starling, and Revolut are digital-only banks, scanned PDFs are uncommon. However, if someone has printed and re-scanned a statement, or taken a screenshot and converted it to PDF, pdftoxlsx runs OCR automatically. Accuracy is 99%+ at 200 DPI or higher.

Starling Business Toolkit invoices mixed with statements: Some Starling Business users accidentally upload invoices or expense receipts from the Business Toolkit instead of the bank statement PDF. pdftoxlsx detects that the file is not a bank statement and shows a clear warning, prompting you to upload the correct file.

Round-up transactions appearing as micro-debits: Both Monzo and Starling offer round-up features that save spare change by rounding purchases to the nearest pound. These appear as micro-debit transactions (e.g., -£0.20, -£0.47) that can clutter a statement. pdftoxlsx preserves them in the output but tags them in the Description so they are easy to filter.

Revolut card-freeze periods showing £0.00 auth holds: When a Revolut card is frozen, pending authorisation holds may appear as £0.00 transactions in the statement. pdftoxlsx includes these rows but marks the Amount as 0.00, making it easy to filter them out in Excel. Unfreezing the card and settling the hold produces a separate transaction row.