How to Convert a Tide PDF Bank Statement to CSV or Excel
Tide gives you PDF statements for your business account. Here's how to convert them into clean, structured CSV data for Excel or your accounting software in a few seconds, with your first statement free.
Why Tide PDF Statements Need Converting
Tide is one of the most popular business banking apps in the UK, used by hundreds of thousands of sole traders and small limited companies. Tide does offer CSV export in the app and on the web, where you choose from more than one CSV type, and if you can sign in that is often the quickest route. But an export can still need tidying before it imports cleanly into Xero, QuickBooks, or Sage, and if you are the accountant rather than the account holder, the PDF statements are often all you have been sent.
PDF statements, on the other hand, are the format Tide provides for official records — the kind you need for HMRC submissions, loan applications, or sharing with your accountant. But getting usable data out of a PDF is painful. Copy-pasting into Excel produces broken formatting, merged cells, and garbled amounts.
Quick answer: Use MatchIQ's free PDF converter. Upload your Tide 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 Tide Statement (4 Steps)
- Download the statement from Tide
Sign in to Tide online banking and download the PDF statement for each period you need. 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. It imports into accounting software and opens directly in Excel for spreadsheet work.
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.
What the Converter Extracts
The converter turns your Tide PDF statement into a CSV with four columns:
- Date: the transaction date, in one consistent format
- Description: payee and transaction details, kept as they appear on the statement
- Reference: filled where the statement has a separate reference column, otherwise left blank
- Amount: one signed column, negative for money out and positive for money in
Tide's money in and money out figures become the one signed Amount column, for easy import into accounting software. Multi-line descriptions are rejoined and commas and currency symbols are stripped from amounts. The running balance is not carried into the CSV, so tick the closing figure off against the statement once it is imported.
Tide CSV Export vs PDF Conversion
Tide does let you export transactions as a CSV directly from the app and the web. So why would you convert a PDF instead? There are several common scenarios:
- Format mismatch: Tide's CSV export doesn't always import cleanly into every accounting platform. Column headers, date formats, or amount formatting may need adjusting.
- Official statements: your accountant or lender asked for the "official" PDF statement, but you also need the data in a spreadsheet
- Historical records: you have older PDF statements saved locally that pre-date your current Tide app access
- Standardisation: you use multiple bank accounts and want all statements in the same clean CSV format for reconciliation
Tide's Built-In Accounting Features
Tide includes invoicing and expense categorisation in the app, and sells Tide Accounting as a paid plan that can file Making Tax Digital returns. If your books live in dedicated accounting software like Xero, QuickBooks, Sage, or FreeAgent, though, you'll need to get your Tide transactions into that platform, and a clean CSV is one way to do that.
If you would rather not pay for accounting software at all, IQ Books, ReconcileIQ's UK accounting software, is free for one business with the whole ledger, including Making Tax Digital VAT and Income Tax filing. It takes the converted CSV, or reads the Tide PDF statement directly.
Who Uses Tide?
Tide is a business-only bank — there are no personal accounts. It's designed specifically for:
- Sole traders: freelancers, contractors, and self-employed professionals who need a separate business account
- Limited companies: small businesses that need company bank accounts with fast setup and low fees
- New businesses: Tide is popular for company formation, offering a business account within minutes of incorporation
Because Tide users are running real businesses, they almost always need to get their transaction data into accounting software at some point — whether that's for VAT returns, corporation tax, or year-end accounts.
What to Do With Your CSV Data
Once you have clean CSV data from your Tide statement, you can:
- Import into accounting software: Xero, QuickBooks, Sage, FreeAgent, and Pandle all accept CSV bank imports
- Reconcile in MatchIQ: upload it alongside your ledger export and MatchIQ matches it automatically, showing what is matched, missing and extra
- Analyse in Excel: pivot tables, spending analysis, cash flow tracking
- Code in CodeIQ: if you're a bookkeeper, CodeIQ can automatically code transactions to your chart of accounts, classify VAT, and post back to your platform
- File with HMRC: structured data for Self Assessment, corporation tax, VAT returns, or MTD submissions
Convert Your Tide Statement Now
Fast, accurate, and checked on screen before you download. Your first statement of up to 10 pages converts free on a new account.
Convert your PDF now for freeFrequently Asked Questions
Yes. Tide exports transactions as CSV in the app and on the web, though the file may still need adjusting for your accounting software's import. For a standardised CSV from a Tide PDF statement, use the free converter at reconcileiq.com/bank-statement-converter.
Use the free PDF converter at reconcileiq.com/bank-statement-converter. Upload your Tide PDF and download the extracted data as a CSV. CSV files open directly in Excel, or you can copy-paste the preview data.
Your first statement of up to 10 pages converts free on a new account. After that it runs on credits, and the cost is shown before anything is processed.
Yes. The converter handles both Tide sole trader and Tide limited company PDF statements, reading Tide's statement layout and extracting the date, description, reference and amount of every transaction.