Combine credit card statements into one Excel
Merge statements from multiple credit cards — or a whole year of one card — into a single reconciled Excel. FlowParse extracts every charge, payment and fee, matches each issuer's columns to one schema, removes duplicates and tracks the source file per row.
Up to 100 PDFs · any bank · duplicates removed · balance-validated
Every card, every month, one spreadsheet
If you run more than one card — business and personal, or several cards across a team — combining their statements for the books or an expense summary is tedious. Each issuer formats charges differently, fees and interest are scattered, and overlapping periods create duplicates.
FlowParse merges them in one pass. Upload up to 100 credit card statements and it extracts every charge, payment, fee and interest line, maps each issuer's columns onto one canonical schema, signs amounts correctly, detects duplicates, and writes a single reconciled Excel with a source-file reference on every row.
It's powered by Smart Merge. For a single card, use credit card statement to Excel; for bank accounts, consolidate bank statements.
Any issuer
Visa, Mastercard, Amex — mixed in one merge, no templates.
Canonical columns
Each issuer's layout mapped onto one schema.
Fees & interest split
Itemised so you can total deductible costs.
Duplicate detection
Overlapping periods never double-count.
How it works
1 · Upload the statements
Drop up to 100 card statements — any issuer, scanned or digital.
2 · AI extracts, matches & validates
Charges signed, columns matched, duplicates removed, summaries checked.
3 · Export one Excel
Download a single reconciled workbook (or CSV, QBO, QFX, OFX, Xero).
Export to the format you need
One extraction, every export — pick what your next tool expects.
| Format | Best for |
|---|---|
| Excel (.xlsx) | Analysis, totals, sharing |
| CSV | Importing into any tool |
| .QBO | QuickBooks Online & Desktop |
| .QFX | Quicken |
| .OFX | Most accounting tools |
| Xero CSV | Xero statement import |
Single file? Use bank statement to Excel, to CSV or to QBO.
By hand vs FlowParse
| What happens | By hand | FlowParse |
|---|---|---|
| Reading the data | Copy-paste line by line | AI extracts every transaction |
| Many files | Open and align each one | Up to 100 PDFs in one pass |
| Different layouts | Re-map columns each time | Canonical column matching |
| Duplicates | Easy to miss | Detected automatically |
| Balances | Manual reconciliation | Validated automatically |
| Time | Hours | Minutes |
Many cards into one reconciled file
Smart Merge recognises that every issuer's charge and payment columns mean the same thing, maps them to one schema, and produces one balanced workbook from statements that started in completely different formats — with duplicates removed and each row traceable to its source.
Who uses it
Expense reporting
Combine a quarter of card spend into one categorised sheet.
Bookkeepers
Code spend across every client card without re-typing.
Small businesses
Merge business and personal cards for clean books.
Finance teams
Consolidate corporate-card activity across cardholders.
Freelancers
Total a year of deductible fees and interest at once.
Accountants
Turn a client's card bundle into one reconciliation-ready file.
Your statements stay private
Encrypted transfer
Every upload runs over TLS.
Deleted after processing
Originals removed once converted.
EU-hosted
Processed on EU infrastructure.
No AI training
Never used to train models.