Brokers and underwriters re-key statement data all day. Hand them a spreadsheet that reconciles: opening balance + transactions = closing balance, proven row by row.
How to prepare bank statements for a loan or mortgage application
Download the statement PDFs for the months your lender requests (usually 2–3).
Convert each one in BankSheet and export clean spreadsheets with verified balances.
Send the spreadsheets with the original PDFs so underwriting can spot-check in seconds.
Every export carries a reconciliation proof
✓ Opening balance + Σ transactions = closing balance — checked row by row before you export. If the math doesn't hold, you'll see exactly which cell is wrong.
Why BankSheet over manual entry or generic converters
Balances verified row by row — errors are flagged at the exact cell, with a one-click fix for the most common parsing mistakes.
Zero setup — no template configuration; drop the PDF and go.
Privacy by design — files auto-delete within 24 hours, never sent to third-party AI models.
Free during beta — paid plans from $12/mo, well below the $29+ entry price of generic tools.
Frequently asked
Do lenders accept spreadsheets instead of PDFs?
Usually as a supplement, not a replacement — send both. The spreadsheet speeds up review; the PDF stays the source of truth, and BankSheet's balance proof keeps them consistent.
Can I combine multiple accounts?
Convert each account's statements separately; each export carries its own reconciliation proof, so mixed-account workbooks still tie out.