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Upload a Permanent TSB statement PDF and every transaction comes back as clean rows — date, description, debit, credit and the running balance in euro — checked so the closing figure ties out. Export to Excel, CSV, or an import file for Xero, Sage, Surf Accounts or QuickBooks.
Permanent TSB is a retail bank through and through — current accounts, mortgages and personal loans rather than business banking — so its statements are usually needed for personal reasons: applying for a mortgage, taking out a car loan, renting a place, or showing income for a visa. In almost every case someone on the other side needs to read your money clearly, and a PDF doesn't let you present it that way. Rows do.
What a Permanent TSB statement looks like
A Permanent TSB current-account statement uses these columns:
Column | What's in it |
|---|---|
Date | The day the transaction was applied |
Description | The payee and how the payment was made |
Debit | Money out |
Credit | Money in |
Balance | Running balance after the transaction, in euro |
The Description names each payment — a shop for a card purchase, the biller for a direct debit, the payee for a transfer or standing order. For an everyday account that means a lot of small card lines, and the longer ones wrap onto a second row. A plain PDF export treats that second line as a separate transaction, which is enough to knock a lender's read of your spending out of shape. The converter joins each description back to its payment, so what a mortgage assessor sees is one clean line per transaction with the euro columns aligned.
Where to download your Permanent TSB statement
- Open24 online banking: log in at permanenttsb.ie, select the account, open Statements, choose the period and download the PDF.
- PTSB app: tap the account, go to Statements, pick a statement and save the PDF.
A statement downloaded this way is a digital PDF with selectable text, so the conversion is exact. If all you have is a scan or a photo of a posted 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 you can total, filter and hand over as proof of income.
- A tidy PDF or printout — the same rows, formatted so a lender or agent can actually read them.
- Xero, Sage and others — for the times a Permanent TSB account is used for a small business, an import-ready file too.
Before download, the euro figures are reconciled: opening balance, plus credits, minus debits, has to reach the closing balance. If you're handing several months to a mortgage broker, that reconciliation is what makes each month join cleanly to the next — one month's close is the following month's open.
Proving income, not just bookkeeping
Plenty of Permanent TSB conversions have nothing to do with a business. It's a retail bank first, so the statement is often needed to prove income — for a mortgage, a car loan, a rental, or a visa application. A lender or agent doesn't want to read forty pages of PDF; they want to see your regular salary going in and your commitments going out. As a spreadsheet you can total the income, highlight the recurring outgoings, and present something clear. The running-balance check means the figures stand up to scrutiny rather than nearly matching.
Common snags with Permanent TSB statements
- Wrapped descriptions. A payee or reference on a second line is joined back to the right transaction.
- SEPA transfers and direct debits. Each keeps its reference or originator detail rather than being cut to a bare amount.
- Business accounts. Permanent TSB business current-account statements use the same layout, so the same conversion works.
Frequently asked questions
Can I convert a Permanent TSB 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 Permanent TSB statement?keyboard_arrow_down
In Open24 online banking or the PTSB app: choose the account, open Statements, pick the period and download the PDF. That digital PDF converts cleaner than a scan.
Can I use it for a mortgage or loan application?keyboard_arrow_down
Yes — it's the most common reason. A clean spreadsheet lets you total your regular income, show your commitments, and hand a lender or broker something legible instead of a stack of PDF pages.
Will it read a scanned Permanent TSB statement?keyboard_arrow_down
Yes, with OCR. A PDF downloaded from Open24 will always convert faster and cleaner than a scan.
