AU
Upload a National Australia Bank statement PDF and every transaction comes back as clean rows — date, transaction details, debit, credit and the running balance — checked so the closing figure ties out. Export to Excel, CSV, or an import file for Xero, MYOB or QuickBooks.
NAB is one of the big four and a bank a lot of Australian businesses run on, so its statements tend to land on a bookkeeper's desk at reconciliation time. The trouble is the single Transaction Details column: it carries the payment type, the payee and often a BPAY biller reference all at once, and that density is what a plain copy-paste can't pull apart.
What a NAB statement looks like
A NAB transaction account statement uses these columns:
Column | What's in it |
|---|---|
Date | `DD Mon YYYY`, Australian format |
Transaction Details | The payment type, payee and any biller or reference |
Debit | Money out |
Credit | Money in |
Balance | Running balance after the transaction |
The work all happens in Transaction Details. A single line might be an EFTPOS purchase, a scheduled transfer, a direct debit, or a BPAY payment carrying a biller code and a customer reference number. On a business account those references are the thread that ties a payment back to an invoice, so losing them turns reconciliation into guesswork. NAB also prints the longer detail on a second wrapped line, which a rough export treats as a separate row. The converter keeps the whole detail — biller code and reference included — on the one transaction it belongs to.
If you categorise spending in the NAB app, those categories describe the same transactions, which makes sorting deductible business costs from personal ones quicker once the statement is in a spreadsheet.
Where to download your NAB statement
- NAB Internet Banking: log in at nab.com.au, choose the account, open Statements, select the period and download the PDF.
- NAB app: tap the account, go to Statements, pick a statement and save the PDF.
A statement downloaded from Internet Banking is a digital PDF with selectable text, so the conversion is exact. If you only have a scan or a photo of a mailed statement, the converter reads it with OCR — that just takes a little longer.
Getting the numbers where you need them
- Excel or Google Sheets — a clean `.xlsx` or CSV, one row per transaction, ready to total and filter.
- Xero or MYOB — an import-ready bank file so the lines arrive as statement entries to reconcile.
- QuickBooks, Zoho and others — the same data in each one's format.
The figures are reconciled before you download: opening balance, plus credits, minus debits, must land on the closing balance. For a NAB business account being handed to an accountant, that is the difference between books that balance and a month spent chasing a few dollars.
Common snags with NAB statements
- BPAY references lost. Biller codes and customer references stay attached to the payment, so invoices still match.
- Wrapped detail lines. The second line of a long transaction is joined back rather than read as its own row.
- Business accounts. NAB business transaction-account statements use the same layout, so the same conversion works for sole traders and companies.
Frequently asked questions
Can I convert a NAB statement to Excel for free?keyboard_arrow_down
Yes. Upload the PDF and get a clean Excel or CSV back free to start, with the running balance checked so the import lines up.
Where do I download my NAB statement?keyboard_arrow_down
In NAB Internet Banking or the NAB app: choose the account, open Statements, pick the period and download the PDF. That digital PDF converts cleaner than a scan.
Are BPAY payment references kept?keyboard_arrow_down
Yes. The biller code and customer reference stay on the transaction they belong to, so you can still tie each payment back to the invoice it settled.
Can I import it into Xero or MYOB?keyboard_arrow_down
Yes. Export an import-ready bank file and the transactions arrive as statement lines you reconcile as usual in Xero, MYOB or QuickBooks.
