Tangerine Statement to Excel Converter

Some Tangerine accounts don't offer paper statements at all: the Chequing Account, Children's Savings Account, Line of Credit and loan accounts. For those, the eStatement is the only statement.

If you hold a Tangerine Chequing Account, your archive is whatever you downloaded or whatever is still in the Document Depository. Saving each month's PDF is the habit that keeps it complete.

A Tangerine statement lists deposits, Interac e-Transfers, bill payments, pre-authorized debits, card purchases and interest between an opening and a closing balance. FlowParse gives each line one row: date, description as printed, and one signed amount.

Add the amount column and you have the month's net change — exactly what the statement's balances say it should be.

Before a statement is marked reconciled, FlowParse takes the opening balance, adds every signed transaction and compares the result with the closing balance. Where a running balance is printed, each row is checked against it as well.

If a transaction was missed or read with the wrong sign, the totals don't meet, and the preview shows the gap.

The Canada Revenue Agency generally expects records to be kept for six years from the end of the tax year they relate to. Tangerine's seven-year depository covers that, as long as your access continues.

Converted, six years of statements become one ledger to filter by description and total by tax year.

Tangerine savings accounts earn interest, which appears on the statements and is reported on an annual tax slip. The slip gives the year's total.

Merged and converted, the monthly interest lines can be totalled and compared with the slip — and the deposits behind any large balance change traced in seconds.

Tangerine offers TFSA and RSP savings accounts alongside the regular ones. Contribution room depends on what went in and out of those accounts.

Converted, the deposits and withdrawals of a TFSA filter out in one step — a quick way to check contributions against your room before the CRA does.

Smart Merge takes up to 100 PDFs and lays them out in date order with the account and file name on every row. It checks the chain: each closing balance must be the next opening balance.

Statements from RBC, TD Canada Trust, Scotiabank, BMO or CIBC can join the same workbook.

A web designer in Calgary banks entirely with Tangerine — clients pay by e-Transfer into her chequing account and she moves savings to a TFSA. Her accountant needs the year. The figures here are an illustration.

She downloads the chequing and TFSA statements and uploads them. FlowParse returns one proved workbook; client e-Transfers filter by sender, transfers to the TFSA pair up and drop out.

Check coverage: monthly statements for regular accounts, quarterly for investment funds, each closing balance equal to the next opening balance. Check reconciliation: every statement proved before its totals are used.

Keep the PDFs. The spreadsheet is a working copy.

Tangerine's online banking shows pending transactions separately from posted ones. Pending items aren't on the statement yet.

When the converted statement and the app disagree, a pending transaction is the usual reason — FlowParse's figures tie to the balances printed on the statement.

Tangerine's Money-Back and World Elite Mastercard statements list purchases and payments between a previous and a new balance. FlowParse checks them against the statement's own summary.

Merged with the chequing account, the card payment pairs with the credit on the card.

Accounts that still receive quarterly paper statements can be scanned flat, one per file. FlowParse reads them through OCR and proves each against its printed balances.

A misread digit shows up as a balance that doesn't close.

Excel and CSV keep the description Tangerine printed, so searches for clients, the CRA or a landlord still work after import. The QBO file is for QuickBooks; Xero takes the CSV.

Because each statement was proved against Tangerine's own balances, a difference in your reconciliation points at the bookkeeping, not the conversion.

Tangerine is a digital-first bank: statements and documents come through the website and the app, and several accounts never have paper at all. Your records are only as complete as what you download.

Save each month's statement as it's issued; with monthly statements for most accounts, that's twelve files a year per account — a small habit that keeps the seven-year depository from being your only copy.

Many self-employed Canadians are paid by Interac e-Transfer. On a Tangerine statement those transfers sit among bill payments and card purchases.

Converted, e-Transfers filter by sender into one column — each client's payments for the year totalled in seconds, ready for the T2125 or the accountant.

Tangerine also offers business savings and GIC accounts. Their statements convert the same way, each proved on its own balances.

Merged with a business chequing account at another bank, transfers between them pair up and can be excluded, leaving the business's real income and expenses.

Tangerine's Chequing Account is paperless only, so its monthly eStatement is the one official record. It carries everyday movement: pay deposits, e-Transfers in and out, bill payments, debit purchases and withdrawals.

Converted, a year of chequing statements becomes a ledger you can sort by payee and month. For anyone renting, borrowing or filing self-employment income, that ledger — with the PDFs behind it — answers most of the questions a landlord, lender or accountant will ask.

Couples often hold Tangerine accounts alongside accounts at another Canadian bank — RBC, TD, Scotiabank. Shared expenses and transfers between partners move across them.

Upload both sets of statements and Smart Merge lines them up by date with the account on every row. Transfers between the two pair up, and the household's real spending appears once, ready for a budget or a joint mortgage application.

Tangerine gives you monthly PDFs kept for seven years and a website-only transaction export. FlowParse takes the PDFs — the version with balances — and returns rows proved against them, ready for QuickBooks, Xero or a spreadsheet.