KOHO, based in Toronto, Canada, delivers account statements as PDFs through its online banking portal. Upload the statement PDF below and download a CSV file — extracted, normalized and reconciled first.
CSV strips the KOHO statement down to portable data: no formatting, no merged cells, just the transactions in a standard column order that imports cleanly into tools that have never heard of this converter.
The main use is bulk processing, where hundreds of statements convert into one pipeline. Statements from Canada banks print dates as a written month or day/month/year — "Apr 3, 2026" and 03/04/2026 both appear and amounts with a comma for thousands and a point for decimals (1,234.56) — the converter's locale-aware reader handles that layout, and then the reconciliation check proves the result: the extracted transactions must add up to the balances printed on the statement itself, or the conversion is flagged.
Reconciliation is what separates conversion from copying. Once the KOHO transactions are extracted, the converter replays them: opening balance plus each row in turn must reproduce every printed running balance and land exactly on the closing figure. A conversion only reports as reconciled when both tests agree to the cent — and when they do, the figures have been proven against the bank's own document, not merely read from it.
A KOHO statement's layout decides how differences behave. In a chronological layout with a running balance, a single dropped row shifts every later balance, which makes it easy to spot. The closing zone carries the balances and any fees or interest summaries; it is the closing zone the reconciliation check answers to, and the first place to look when a conversion is flagged.
In Canada, bookkeepers commonly work in QuickBooks, Wave, Xero and Sage; the Excel and CSV exports from this converter are the files those tools import, and the QuickBooks export is laid out for direct import where the tool accepts it.
A workable rhythm: download the month's PDF the day the period closes, convert it, read the reconciliation verdict, then import. Months proven in order chain together — each closing balance becomes the next month's opening — so a difference is always owned by exactly one month.
For recurring monthly imports, note that the column order never changes between files. Set the import mapping once, save it in your tool if it allows, and every later month from any bank follows the same path.
These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.
Tip: keep the downloaded PDFs in a folder named by account and month. A tidy folder makes batch conversion and later review almost mechanical.
Save the statement as a PDF from KOHO online banking, add it to the converter above, and take the a CSV file it produces. Extraction, column normalization and the reconciliation check all happen before the download is offered.
Like most banks in Canada, KOHO prints dates as a written month or day/month/year — "Apr 3, 2026" and 03/04/2026 both appear and amounts with a comma for thousands and a point for decimals (1,234.56). Conversion normalizes dates to an unambiguous form in the output while leaving the figures themselves untouched.
Where the statement prints opening and closing (or running) balances, the converter adds up the extracted transactions and compares the result with the statement itself. If the numbers do not tie, the conversion is flagged and the mismatched rows are marked — a failed check is never shown as a success.
The conversion is flagged, and the rows whose running balance disagrees with the statement are marked with the expected and printed figures. Nothing is silently adjusted — you see exactly where the statement and the extraction part company.
Yes. Scans and photo-based PDFs are read with OCR and marked as OCR-extracted. The reconciliation check applies identically; on a poor scan it is the check that tells you whether the read can be trusted.
No. There is no sign-up: upload the PDF, check the reconciliation result, download the file. Uploaded files and exports are deleted automatically within 15 minutes.
The statement PDF. It is the issued document and it carries the opening and closing balances the reconciliation check verifies against; a portal CSV has the transactions but nothing to prove them against.
No. The converter changes layout, not currency: figures stay in $ exactly as KOHO printed them.
No. Uploaded files and generated exports are stored only briefly to complete the download and are automatically deleted within 15 minutes.
Convert the same KOHO statement PDF to Excel instead.
Convert the same KOHO statement PDF to OFX instead.
Convert the same KOHO statement PDF to QuickBooks instead.
Back to the KOHO statement converter hub or the Canada bank directory. Other Canada banks: Royal Bank of Canada statement to CSV · TD Canada Trust statement to CSV · Scotiabank statement to CSV · BMO statement to CSV
Your first conversion is free — no card, no sign-up — and every result is checked against the statement itself before you download it.