How to Convert a Mettle PDF Bank Statement to CSV or Excel

Mettle is NatWest Group's mobile-first business account for sole traders and small businesses. Its own exports work well if you can log in, but formal statements come as PDF files, which are difficult to work with if you need structured data for bookkeeping, tax returns, or accounting software imports. Here's how to convert them into clean CSV, with your first statement free.

By Jack Whitehead 1 March 2026 5 min read

Watercolour illustration of a Mettle bank statement with molten data flowing into spreadsheet cells

The Problem With Mettle PDF Statements

Mettle is a mobile-first business account with no branches: it runs through the app, with a web version too. If you can log in, Mettle's own export gives you CSV, Excel or OFX files for a chosen date range, and it connects directly to FreeAgent, Xero and QuickBooks. But the formal record of a statement period is the PDF statement, and for many bookkeepers that PDF is what actually arrives from the client.

The trouble starts when you try to use that data. Copy-pasting from a Mettle PDF into a spreadsheet produces jumbled columns, broken descriptions, and amounts that end up in the wrong cells. If you're trying to import those transactions into Sage, Pandle or any other accounting platform without a direct Mettle connection, you need a proper CSV, and the PDF won't give you one without help.

Quick answer: Use MatchIQ's free PDF converter. Upload your Mettle PDF and download a clean CSV that opens straight in Excel. Your first statement of up to 10 pages converts free on a new account.

How to Convert Your Mettle Statement (4 Steps)

Download the statement from Mettle
Download the PDF statement for each period you need from the Mettle app or Mettle on the web, or use the PDFs a client has sent you. One PDF per statement period.
Create a free account
Register from the converter page, then open MatchIQ and open the PDF converter inside it. There is no bank to pick from a list — the extraction reads whatever layout is in front of it, which is why statements from banks we have never seen convert just as well.
Upload your PDF
Drag and drop or click to browse. The file is uploaded over an encrypted connection and read on our servers, which is what lets scans and photos work as well as native PDFs.
Download your CSV
Review the extracted transactions on screen, then download the CSV, ready to import into accounting software or to open in Excel for spreadsheet analysis.

Privacy note: Your statement is uploaded over an encrypted connection and read on our servers rather than in the browser. That is a deliberate trade: it is what allows scanned and photographed statements to convert, not just native PDFs.

The MatchIQ PDF converter upload area accepting PDF and photo bank statements — **Step 1 in the tool.** The converter accepts native Mettle PDFs, scans and photos of paper statements, up to 12 files at once. The per-transaction cost is stated up front before anything runs.

A completed PDF conversion showing 35 extracted transactions with download and reconcile options — **The result.** A one-month statement converted to 35 clean rows. From here you can download the CSV for your accounting software, or push it straight into a reconciliation without re-uploading.

What the Converter Extracts

The converter extracts these fields from your Mettle PDF statement:

Date — transaction date in a clean, sortable format
Description — payee name, merchant details, or transfer reference
Amount — transaction value (positive for money in, negative for money out)
Balance — running balance after each transaction

Mettle statements typically use a single amount column with positive and negative values rather than separate "money in" and "money out" columns. The converter keeps each amount correctly signed in the CSV.

Can I Export Mettle Transactions Directly?

Yes, if you can log in. In the app, open the Account tab, tap Transactions and statements, then Export transactions; on Mettle on the web, use the Export transactions button on your transactions list. You can filter by date range and transaction type and export to CSV, Excel, OFX or formats for accounting software such as Sage, Crunch and Zoho Books. The PDF statement is still the formal record of a statement period, and it is often all an accountant receives.

If you're a sole trader filing a Self Assessment tax return or a freelancer preparing quarterly accounts, you likely need structured data covering specific periods. Converting the PDF statement gives you exactly that — clean rows with dates, descriptions, and amounts ready for import.

Mettle's Accounting Integrations

Mettle connects directly to FreeAgent, Xero and QuickBooks, which can pull transactions straight from the account. If you already use one of those, that is the most convenient route and you may not need to convert PDFs at all.

If you use another platform, such as Sage or Pandle, or you only have PDF statements to work from, converting your Mettle PDF statement to CSV is the fastest way to get your transactions into your software.

Understanding Mettle Statement Format

Mettle is a business-only account, so the statement format is straightforward compared to banks that have multiple personal and business layouts:

Single account type — Mettle offers one business current account, so the statement layout is consistent
Date and description — each transaction row includes the date and a description of the payment or receipt
Single amount column — credits shown as positive values, debits as negative (rather than separate columns)
Running balance — the balance after each transaction is listed alongside
Transaction references — faster payments, direct debits, and card payments each include relevant reference details

Because Mettle only has one account type, conversion is highly reliable. There are no layout variations between personal, business, or premium tiers to worry about.

What to Do With Your CSV Data

As a sole trader or freelancer, once you have clean CSV data from your Mettle statement, you can:

Import into accounting software — Xero, QuickBooks, Sage, and Pandle all accept CSV bank imports. This is the main route when you are working from PDFs rather than a direct connection
Upload it to IQ Books: ReconcileIQ's free UK accounting software reads the PDF, the CSV or even a photo of the statement directly, and CodeIQ can code the lines for you. See IQ Books
Reconcile in MatchIQ — upload alongside your accounting data to automatically match and reconcile transactions
Prepare your Self Assessment — structured transaction data makes it straightforward to categorise income and expenses for your tax return
Code in CodeIQ — if you're a bookkeeper managing clients who use Mettle, CodeIQ can automatically code transactions to the chart of accounts, classify VAT, and post back to your platform
Track cash flow in Excel — pivot tables, monthly summaries, and spending breakdowns for your business
Submit for MTD — Making Tax Digital for Income Tax (MTD ITSA) requires digital record-keeping. Clean CSV data is the first step

Convert Your Mettle Statement Now

Fast, accurate, and checked on screen before you download. Built for sole traders and freelancers. First statement free on a new account.

Convert your PDF now for free

Frequently Asked Questions

Can I export my Mettle transactions as CSV directly?

Yes, if you can log in: Mettle exports transactions to CSV, Excel or OFX for a chosen date range, from the app or Mettle on the web. If you only have the PDF statement, you can convert it to CSV with the converter at reconcileiq.com/bank-statement-converter. It takes seconds, and your first statement is free on a new account.

Does Mettle integrate with accounting software?

Yes. Mettle integrates directly with FreeAgent, Xero and QuickBooks. For other platforms, such as Sage or Pandle, you can import Mettle's own CSV export, or convert a PDF statement to CSV if that is what you have.

Is the Mettle PDF converter free?

Your first statement of up to 10 pages converts free on a new account. After that it uses 2 credits per transaction (minimum 10 credits per file), and the cost is shown before anything is processed.

What format are Mettle PDF statements in?

Mettle statements use a consistent business account layout with date, description, amount (positive for credits, negative for debits), and running balance. Since Mettle only offers one account type, the format is predictable and the converter parses it reliably every time.