Convert a Cashplus statement to checked Excel

Cashplus has long been a way for small businesses to get an account when the high street said no — quick approval, and a track record of helping newer or thin-file businesses build credit. That means a Cashplus statement often belongs to a business doing its own books for the first time, where turning the PDF into rows is the difference between a tidy Self Assessment and an evening of retyping.

What's on a Cashplus statement

A Cashplus business account statement lists activity with a date, the payee, money out, money in and a running balance. A couple of things are worth knowing:

• Card and transaction fees. Cashplus accounts can carry per-transaction or card fees, and those show as their own lines — kept separate so you can see (and claim) them rather than having them buried in your spending.
• Payment references. Faster Payments, Direct Debits and card payments are labelled with references, so income and costs stay identifiable when you categorise.

A longer description can wrap onto a second line, and a plain PDF export reads that overflow as its own row. The converter joins it back so each payment is one clean transaction.

Keeping records while you build credit

Part of what Cashplus is known for is helping a newer or thin-file business establish itself — and running an account cleanly is part of building that track record. Good records matter more, not less, when you're trying to demonstrate a business is well run: to a lender later, to HMRC, or just to yourself. A converted statement is the plainest record there is — every transaction as a row, reconciled to the balance — so a business that starts on Cashplus can keep tidy books from the first month rather than facing a shoebox of PDFs at year-end.

Where to download your Cashplus statement

1. Cashplus online banking: log in at cashplus.com, choose the account, open Statements, select the period and download the PDF.
2. Cashplus 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 you only have a scan or a photo, the converter reads it with OCR — that just takes a little longer.

Getting it into your books

• Excel or Google Sheets — one row per transaction with real numbers, ready to total and filter.
• Xero, QuickBooks or Sage — an import-ready file so the lines land as bank entries to reconcile.
• 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. For a small business doing its own return, that check is a safety net — it flags anything that doesn't tie out before the numbers go anywhere.

Common snags with Cashplus statements

• Fees on their own lines. Card and transaction fees stay separate so you can see and claim them.
• Payment references kept. References stay with the transaction so income matches the invoice it settled.
• Wrapped descriptions. A long payee on a second line is joined back to its transaction.