AU
Upload an Up Bank statement PDF and every transaction comes back as clean rows — date, description, amount and running balance — checked so the closing figure ties out. Export to Excel, CSV, or an import file for Xero, MYOB or QuickBooks.
Up is app-only and built for people who live on their phones, so its statements start out tidier than most — clean merchant names and a category on nearly everything. But a PDF is still a PDF: you can't total a column or filter a category inside it, and at tax time a sole trader needs the sortable version.
What's on an Up statement
An Up statement lists each transaction with a date, the merchant or payee, the amount and a running balance. A couple of Up features are worth knowing:
- Savers. Up splits your money into named Savers for goals, and moving money into one shows as a transfer. Those stay on their own rows so money you've set aside isn't counted as spending.
- Categories and clean names. Up tidies raw card data into a readable merchant name and tags each transaction with a category. That category can carry into the export, which makes separating business costs from personal quick.
Up runs on Bendigo Bank's licence, so it's a real Australian bank account with a BSB and number — handy when you're matching transfers across accounts.
Where to find your Up statement
- Open the Up app, tap the account, and go to the statements or documents section.
- Choose the month or date range and export the PDF. Up can also export transaction data directly.
- Save or share the file, then upload it here.
Because Up generates the PDF itself, the text is clean and the conversion is exact. If you've been forwarded a scan or a screenshot, the converter reads it with OCR.
Getting it into your spreadsheet or books
- Excel or Google Sheets — one row per transaction with real numbers, ready to total, filter or pivot by category.
- Xero or MYOB — an import-ready file so the lines land as bank entries to reconcile.
- QuickBooks, Zoho and others — the same clean data in each one's format.
Every figure is reconciled before download: opening balance, plus money in, minus money out, has to equal the closing balance. With Savers moving money around, that check confirms a transfer to savings wasn't read as an expense.
Common snags with Up statements
- Saver transfers read as spending. Money moved into a Saver stays separate from your day-to-day total.
- Categories preserved. Up's category on each transaction can carry into the export for quick sorting.
- Emoji and symbols in names. Up's playful merchant labels are handled without breaking the row.
Frequently asked questions
Can I convert an Up 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 it reconciles.
Do Up's Savers show up correctly?keyboard_arrow_down
Yes. Money moved into or out of a Saver appears as a transfer, and the converter keeps it on its own row, so the statement still reconciles to one account balance.
Where do I get my Up statement?keyboard_arrow_down
In the Up app: open the account, go to statements, pick the period and export the PDF. Because Up is app-based, that PDF is already clean and converts without a scan.
Can I import it into Xero or MYOB?keyboard_arrow_down
Yes. Export an import-ready file and the transactions arrive as statement lines you reconcile as usual in Xero, MYOB or QuickBooks.
Does it read a scanned Up statement?keyboard_arrow_down
Yes, with OCR — though it's seldom needed. Because Up is app-only, the statement you export is already a clean digital PDF that converts on its own.
