Converting Joint Account Bank Statements

Joint account statements typically list two or more account holders in the header section with their names, addresses, and identification numbers. pdftoxlsx recognizes this header format and correctly separates it from transaction data. The account holder information does not interfere with transaction extraction. Whether the statement lists one holder or four, pdftoxlsx focuses on the transaction table and produces clean, accurate output.

Spanish bank statements for joint accounts (cuentas conjuntas or cuentas indistintas) include NIF or DNI numbers for each titular. pdftoxlsx handles the standard Spanish bank formats that list Titular 1 and Titular 2 with their respective NIF/DNI numbers. These identification references appear in the statement header and are correctly excluded from the transaction data output. For statements from CaixaBank, Santander, BBVA, Bankinter, and other Spanish banks, pdftoxlsx recognizes the joint account layout patterns used by each institution.

Some banks link multiple accounts under a single statement - for example, a joint checking account and individual savings accounts for each holder. pdftoxlsx extracts transactions from all accounts shown in the PDF. If the statement separates transactions by account number, each account section is preserved in the output with the account number as a reference. You can filter by account number in Excel after conversion to view transactions for a specific sub-account.

In most joint accounts, all transactions appear in a single list regardless of which holder initiated them - pdftoxlsx extracts all of them into one spreadsheet. Some banks (particularly Spanish banks with cuentas indistintas) may label certain transactions with the initiating holder. When this information appears in the description field, pdftoxlsx preserves it in the Description column. pdftoxlsx does not add or infer holder attribution - it outputs exactly what the bank statement contains.