Excel · CSV · .qbo · Xero · OFX · QFX · QIF
up to 20 files · 20 MB each · PDF only · bank or credit-card statements
Preview free. First download free after sign-in. A statement that does not tie is not billed.
Processed in memory, then discarded. See a sample convert — synthetic file, real engine.
Upload the PDF. Every line is checked against the printed opening and closing balance, to the penny. Download Excel, CSV, .qbo, Xero, OFX, QFX or QIF only when it ties. Built for the file you have to stand behind: QuickBooks Desktop, Xero, cards, combined statements, catch-up stacks.
Preview is free. The first download is free after sign-in. After that, Solo is $29/month, cancel anytime.
Desktop imports a Web Connect .qbo; Online takes the same file. Direct Connect for Desktop ends 30 October 2026.
Xero's own PDF import is US and Canada only, on selected banks, digital files only. Everywhere else takes the Xero CSV or OFX.
A year of PDFs, one proof per month, months chained. A month that does not tie is not billed.
Several accounts under one cover page, split, each tied to its own printed close.
Prove the grid against the printed closing balance, then reconcile to the same number in QuickBooks or Xero.
Credit-card statements tie the same way. Analysis is free on the same grid.
Preview is free. No account.
Drop a statement you already have. You will see whether it ties to the printed opening and closing balance before you pay for anything.
The first download is free after sign-in, so you can test the import into your books on a real file.
These notes are exceptions for a reviewer, not a verdict. A statement can be genuine and still fail a check. A file can look clean and still be worth a second look.
Opening + credits − debits must equal the printed closing. If it does not, the export is blocked unless you override it on purpose.
Each row has to chain to the next. The first broken row is highlighted so you are not hunting through 400 lines.
Same date, amount, and description appearing twice in one statement — a common paste or parse glitch, and a common doctored-file tell.
Drop January and February together. February's opening has to be January's closing. Gaps and overlaps get a note.
“TRANSFER,” “ORIG CO NAME,” card payments to yourself. Flagged so they are not booked as income or expense.
The producer string is read off the file. A statement written out of ReportLab, Word, or a home-grown generator is not automatically fraud — but it is not a bank portal PDF either. You see that before you import.
| 2026-05-04 | ZELLE CREDIT | 3,030.12 |
| 2026-05-07 | SQUARE INC DEPOSIT | 3,647.57 |
| 2026-05-07 | POS PURCHASE SHELL OIL | −1,705.51 |
Drop the PDF from the bank or card site. We read it, prove it against the printed opening and closing balance, to the penny, and only then let you download. There is no list of banks to check first. If the layout is new and does not tie, you pay nothing and the layout is added within 24 hours on business days.
Cancel sits behind Manage billing on your account page. One click there. No email. No call. No retention screen.
Monthly means monthly. Yearly is paid once, up front, and labeled yearly. We do not sell “annual, billed monthly.”
The $39 option never renews. It ends on day 30.
If a statement does not tie, it does not count.
Solo is $29/month or $240/year. Bookkeeper is $99/month or $990/year. Every plan, side by side →
Yes. The US edition can upload a PDF or image statement for free. If that covers your case, use it. PennyClose is for QuickBooks Desktop, Xero, cards, combined PDFs, catch-up stacks, and a close that must match the printed statement before anyone books it.
The proof shows the first row where the chain breaks. Fix a cell and the proof reruns. If it still does not tie, there is no download and no charge. Email the bank name to ville@pennyclose.com and the layout is added within 24 hours on business days.
No. The PDF is parsed in memory and discarded when the response is sent. There is no workspace and no library of client files. OCR for image-only pages runs on our own server. Customer statements are not used for training. Security notes.
Both take the same .qbo. QuickBooks Desktop: File → Utilities → Import → Web Connect Files. QuickBooks Online: Transactions → Bank transactions → Upload from file. Xero takes the Xero bank-import CSV or the OFX. How the import works.
A page of the statement PDF. Solo includes 500 a month, about 60 statements. A statement that does not tie never counts. Re-downloading the same statement in the same month does not count twice. Pricing.
Built by an engineer with a machine-learning background who runs several small businesses and got tired of retyping statements at month end. The person who writes the parser also answers the inbox.
The statement is parsed in memory and discarded when the response is sent. Nothing is stored on our side: there is no workspace and no library of client files on this server. OCR, when a page needs it, runs on the same server, in memory, with no third-party AI service in the path. Nothing is used to train anything. Logs are one anonymous line: file count, size, whether it parsed, whether it tied. The only exception: if the layout is new, we keep the column headings so we can support it — never an amount, date, name, or account number.
Swipe sideways to see every column.
This grid exists only in this tab. Click a cell to edit date, description or amount; ± flips debit/credit. The proof re-runs on every edit.