Westpac Statement to Excel Converter

In the Westpac App, search Statements in the Smart Search bar and tap Statements (incl. closed accounts); pick the account and the statement period, then use the share icon to download. In Online Banking, go to Overview, then Statements, choose an account under Active accounts or Closed accounts, set a date range and select Download PDF.

Online Banking is quicker for a year at a time: one date range, one list, one download per statement. Save them into a folder per account, then upload the folder; Smart Merge orders the statements and chains each closing balance to the next opening balance.

For tax time, Westpac offers an Interest and Tax Summary covering up to three financial years, for open and closed accounts, showing interest paid, interest received and tax withheld per account. Eligible accounts include savings, transaction, term deposit, cheque, mortgage, cash management and foreign currency accounts.

The summary gives totals; the statements give the transactions behind them. After converting a financial year of statements, filter the description for interest: the credits should add up to the summary's interest received for that account — a quick cross-check before the figure goes into a return.

A Westpac statement gives the account name, BSB and account number, the statement period and the opening balance, then the transactions — a BPAY payment with its biller, an Osko or PayID transfer, an EFTPOS purchase, a direct debit, a salary credit, a fee — each with a debit or credit amount and the running balance. The closing balance ends it.

FlowParse writes one row per transaction with the date, the full description and one signed amount in AUD, so the amount column sums to the change in balance.

The opening balance plus every signed transaction must equal the closing balance. FlowParse checks that on every statement, and checks each row against the running balance printed beside it. A credit read as a debit, or a line lost where a page breaks, fails at the row where it happened.

Statements that pass are marked reconciled; anything else is shown in the preview with the difference, before you download.

For business customers Westpac describes up to seven years of statement history — statements issued within the last seven years, excluding Merchant customers. Administrators and sole traders manage statement settings online, and anyone with access to an account, including an authorised third party, can view its eStatements. Westpac says the eStatement looks the same as the paper statement.

That makes the bookkeeper's job simpler: with third-party access, they download the PDFs themselves and convert them, rather than waiting for the owner to forward a folder. Some closed business accounts keep their eStatements; for others, Westpac points to a branch request, with fees that may apply — so save the PDFs before closing a business account.

The Australian financial year runs from 1 July to 30 June, which rarely lines up with statement dates. Smart Merge takes up to 100 Westpac PDFs — transaction, savings, business, credit card — and builds one workbook in date order with the account and source on every row, chaining each statement's closing balance to the next opening balance. Filter to the financial year after the merge.

Statements from CommBank, ANZ, NAB or Bendigo can be merged into the same workbook, matched column by column.

Australian bookkeepers and BAS agents mostly work in Xero, MYOB or QuickBooks Online. FlowParse exports a CSV for Xero's or MYOB's bank statement import, a QBO file for QuickBooks, and an Excel file for review first.

The description stays whole — the BPAY biller code, the PayID name, the direct-debit company — so each line can be coded after import, including for GST.

Debits and credits sit in separate columns; pasted into one list, they all become positive. An Australian date such as 03/04/2025 is the 3rd of April and turns into March 4th in an American-default spreadsheet. A BPAY payment with its reference, or an overseas card purchase with its currency conversion, wraps over two lines and becomes two rows.

FlowParse signs by column, writes unambiguous dates and keeps one transaction per row; the balance proof confirms nothing was split or dropped.

A couple applying for a home loan are asked for six months of transaction history and three months of credit card statements. One of them closed an old Westpac savings account in the period. The figures here are an illustration, not a real couple's.

The account holder downloads the closed account's statements from Closed accounts, a Transactions Report for the last 120 days on the everyday account, and the card statements, and uploads them together. FlowParse returns one workbook, each document proved where it prints balances, with the transfer that emptied the closed account visible on both sides. The broker filters salary credits and loan repayments in a minute; the PDFs go to the lender as they are.

Coverage: each closing balance equal to the next opening balance, per account. Period: the financial year or BAS quarter filtered after the merge. Interest: the converted interest credits matched against the Interest and Tax Summary. Reconciled: every statement proved before its totals are used.

And keep the PDFs. The converted file is a working copy; the statement is the record for the ATO, a lender or a court.

Transaction, savings, business, mortgage and credit card statements list transactions between two balances and convert the same way. Transactions Reports convert as lists of transactions.

Proof of Balance reports, Interest and Tax Summaries, Digital Mail letters and notices are single figures or summaries. Keep them with the file; convert the statements.

Westpac notes that some accounts keep paper statements because their statement preferences are linked to a mortgage in an offset arrangement, and that a joint holder switching to eStatements does not change the other holder's settings — statement preferences are individual. For credit cards, only the primary cardholder can switch.

In practice, one household can end up with a mix: eStatements for one account, paper for the offset, a card only the primary holder can download. Paper statements convert too: scan them flat, one statement per file, and FlowParse reads them through OCR and proves them against their printed balances, so the mixed set still becomes one workbook.