How to Convert a NCBA Bank Statement to Excel

Why NCBA Bank PDFs resist copy and paste

A PDF stores positioned text, not a table. Copying a page into a spreadsheet usually produces one column of jumbled text, with dates, references and amounts merged together. NCBA Bank statements add their own specifics:

• Loop and mobile transactions carry structured references that must stay intact.
• Narration fields are long and regularly wrap onto a second line.
• Some exports place the balance column before the credit column, reversing the usual order.
• Emailed statements are typically password-protected.

Converting a NCBA Bank statement step by step

The process takes under a minute per statement and does not require a template.

• Download the statement PDF from NCBA internet banking.
• Upload it to StatementFlow and choose a retention window.
• The bank layout is detected automatically and OCR runs if the pages are scanned.
• Review the balance validation result and the transaction preview.
• Export to Excel or CSV, or delete the file immediately.

Scanned and password-protected statements

Branch-printed or emailed NCBA Bank statements are often scans rather than digital exports, and emailed statements are frequently password-protected. Both are supported: OCR reconstructs the table from the image, and protected files are opened with the password you supply and are never stored in plain form.

Checking the output before it reaches your ledger

Every conversion runs a balance check: the opening balance plus the sum of all extracted transactions must equal the closing balance printed on the statement. The result is shown before you download, so a mis-read figure surfaces at conversion time rather than at review.

Retention is chosen at upload time — immediately, one hour, 24 hours or 30 days — and enforced automatically, so client documents do not sit in a shared drive after the work is done.

What you get in the Excel file

The workbook contains one row per transaction with structured columns: date, description, reference, debit, credit and running balance, plus a summary of the detected bank, currency, page count and validation status. That maps directly onto the import formats used by common bookkeeping packages.