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

Wise (formerly TransferWise) multi-currency accounts produce a statement for each currency balance. Whether you need clean GBP transactions for your UK bookkeeping or every currency you hold, here's how to convert Wise PDFs into structured CSV data for Excel or your accounting software in a few seconds, with your first statement free.

By Jack Whitehead 1 March 2026 5 min read

Watercolour illustration of a Wise bank document with currency symbols funnelling into a spreadsheet

The Problem With Wise PDF Statements

Wise is built for multi-currency banking. That's its strength, but it makes statements more complex than a typical high street bank's. Each currency balance (GBP, EUR, USD and so on) has its own statement, with its own transaction history, running balance and conversion entries, and a single conversion shows up in two of them.

Copy-pasting from a Wise PDF into Excel produces a mess. Conversion transactions split across multiple lines, and fees get tangled with the amounts they relate to. For freelancers or businesses that need clean records for each currency, manual extraction from PDFs is painfully slow.

Wise does offer statements as CSV and Excel files as well as PDF, so if you can sign in, that is a good place to start. Each statement covers up to 365 days, and the column layout doesn't always match what accounting software expects on import. Converting the PDF is the answer when the PDFs are what you have, for example a client's statements sent to their accountant.

Quick answer: Use MatchIQ's free PDF converter. Upload your Wise PDF, one currency balance per statement, 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 Wise Statement (4 Steps)

Download the statement from Wise
Sign in to Wise and download the PDF statement for each currency balance and period you need. One PDF per balance 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 has no currency column, so name each file after the balance it came from (GBP, EUR and so on). It imports into accounting software and opens directly in Excel.

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 Wise 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 turns your Wise 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

Fee lines come through as rows of their own, and conversion details printed on the statement stay in the description. Multi-line descriptions are rejoined and currency symbols are stripped from amounts. There is no currency or running balance column, which is why converting one currency balance per statement keeps the data clean; tick each closing balance off against its statement once imported.

Can I Download Wise Statements as CSV Directly?

Yes. Wise offers statements as PDF, CSV or Excel in the app, and the website adds MT940, QIF and CAMT.053. Go to the balance you want, choose More, then Statements and Reports, and pick the statement type and format. However, there are practical limitations:

365-day windows: each statement covers up to 365 days, so a longer period means several downloads per balance
Multi-currency complexity: statements are produced per currency balance (the website and Android app let you select several at once), so each currency is a separate file to import
Format inconsistencies: the CSV format from Wise doesn't always match the column layout that Xero, QuickBooks, or Sage expect, requiring manual reformatting before import
Conversion entries: currency conversions appear as an outflow in one balance and an inflow in another, which is easy to double-count if both land in the same account

Alternative: Wise API and Integrations

Wise offers a business API and direct integrations with some accounting platforms (including Xero). If you use Wise Business, you may be able to connect it directly to your accounting software for automatic bank feed imports. However, this requires a Wise Business account, and the integration doesn't cover all platforms. For personal Wise accounts, or for platforms without a direct integration, PDF conversion remains the most practical route.

Wise Statement Formats

Wise PDF statements vary depending on your account type and activity:

Wise Personal: a statement for each currency balance, with its own transaction table and running balance
Wise Business: a similar per-balance layout with additional detail for batch payments, team member transactions, and merchant payments
Jars: money set aside in a Jar has statements of its own, in the same layout
Currency conversions: conversion transactions show the source amount, target amount, exchange rate, and Wise fee as part of the transaction description

The converter handles all common Wise statement formats. It recognises the layout by itself, and any page it does not recognise, including scans and photos, is read visually line by line, so an unusual layout still converts.

What to Do With Your CSV Data

Once you have clean CSV data from your Wise statement, you can:

Import into accounting software: Xero, QuickBooks, Sage, FreeAgent, and Pandle all accept CSV bank imports. Import each balance's CSV into the matching bank account, starting with GBP if your accounting is UK-based
Keep the books in IQ Books: if your business is in the UK, IQ Books, ReconcileIQ's accounting software, is free for one business with the whole ledger including multi-currency, takes the CSV (or reads the PDF statement itself) and files Making Tax Digital VAT and Income Tax returns at no cost
Reconcile in MatchIQ: upload it alongside your ledger export and MatchIQ matches it automatically, showing what is matched, missing and extra
Keep currencies separate for tax: with one CSV per balance, GBP transactions for HMRC, EUR for European VAT and USD for US tax filings stay apart
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
Track conversion costs: Wise fee lines come through as their own rows, so you can total them in Excel to see the true cost of international payments

Convert Your Wise Statement Now

Fast, accurate, and checked on screen before you download. Works through multi-currency accounts one balance at a time. Your first statement of up to 10 pages converts free on a new account.

Convert your PDF now for free

Frequently Asked Questions

Can I download my Wise transactions as a CSV directly?

Yes. Wise offers statements as CSV, Excel or PDF, for up to 365 days at a time and one currency balance per statement. Its column layout doesn't always match what accounting software expects, and if you only have the PDF statements, converting them gives you a clean four-column CSV that imports without reformatting.

How do I isolate GBP transactions from a multi-currency Wise statement?

Download the statement for your GBP balance on its own (Wise produces a statement per currency balance) and convert that PDF. The converted CSV has no currency column, so converting one balance at a time is what gives you a clean GBP-only dataset ready for UK accounting, HMRC submissions, or import into your bookkeeping software.

Does the converter handle Wise currency conversions?

Yes. A conversion is extracted as a row in each balance's statement it appears in, with the conversion details printed on the statement kept in the description, and Wise fee lines come through as rows of their own. That makes it straightforward to reconcile conversions and track the true cost of international transfers.

Can I import a Wise CSV into Xero, QuickBooks, or Sage?

Yes. The CSV output has clean dates, descriptions, references and a single signed amount column that import directly into Xero, QuickBooks, Sage, FreeAgent, Pandle, and other accounting platforms. For multi-currency Wise accounts, import each balance's CSV into the matching bank account (for example GBP) in your accounting file.