Based in Hong Kong, Hong Kong, PAO Bank provides statements to its customers as PDF documents in online banking. Upload the statement PDF below and download a CSV file — extracted, normalized and reconciled first.
Privacy: uploaded files and generated exports are stored only briefly to complete your download and are automatically deleted within 15 minutes. Files are never used for any other purpose.
A CSV is the safest hand-off format there is, and this one carries the reconciled PAO Bank transactions in the same normalized columns used for every bank — so files from different banks and different months stack without reformatting.
The main use is feeding scripts, databases and anything that reads delimited text. Every conversion is checked against the statement itself: where the statement prints opening and closing (or running) balances, the extracted transactions must add up to them, or the conversion is flagged and the mismatched rows are marked. A statement whose layout the reader cannot parse is reported honestly — never passed off as converted.
Reconciliation is what separates conversion from copying. Once the PAO Bank 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.
Before converting, spend thirty seconds on the PAO Bank document itself: confirm the period matches the month you are closing, note the opening and closing balances, and scan for the period's largest transactions. A reconciliation difference is most often one of those large items — a duplicate, a drop, or a digit misread — and knowing the candidates in advance shortens the search considerably.
In Hong Kong, bookkeepers commonly work in Xero and QuickBooks; the Excel and CSV exports from this converter are the files those tools import, and the Xero export is laid out for direct import where the tool accepts it.
File three things together for every {bank} month: the statement PDF, the converted file, and the reconciliation outcome. Anyone reviewing the work later — a partner, an auditor, a tax adviser — can re-perform the month from that trio without asking you anything.
A CSV carries no formatting to hide behind, which is its virtue: what you see in a text editor is exactly what an importer will read. If a figure looks wrong in the file, it was flagged in the check — compare that row with the PDF before importing.
These are the general steps most banks follow for statement downloads; exact menu labels vary by bank and change over time.
Tip: if the bank offers both a statement PDF and a transaction-list PDF, take the statement — it is the one carrying the balances the reconciliation check needs.
Download the statement PDF from PAO Bank online banking, upload it to the converter on this page, and download the a CSV file. The transactions are extracted, put into the same standard columns used for every bank, and checked against the statement's balances first.
Like most banks in Hong Kong, PAO Bank prints dates as the order printed on the statement itself and amounts with the grouping printed on the statement itself. 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.
Scan the statement as flat and straight as you can and upload the scan. OCR reads it, and the reconciliation check verifies the read against the printed balances; rows it cannot verify are flagged for a manual look.
That depends on the bank's portal — most keep at least a year of PDFs online, and older periods can usually be requested. However far back you go, download each period as its own PDF.
The QuickBooks and Xero exports are laid out in the column order those tools import. The plain CSV and Excel exports suit everything else, including spreadsheet review before import.
Yes — it is one of the strongest checks available. The converter walks the extracted amounts against the printed running balance row by row, so a single dropped or duplicated transaction is pinpointed instead of merely suspected.
Convert them separately and import only one version of the overlap. Banks occasionally reissue a corrected statement for a period; the later issue supersedes the earlier, and importing both would double the shared days.
No. Uploaded files and generated exports are stored only briefly to complete the download and are automatically deleted within 15 minutes.
Convert the same PAO Bank statement PDF to Excel instead.
Convert the same PAO Bank statement PDF to OFX instead.
Convert the same PAO Bank statement PDF to Xero instead.
Back to the PAO Bank statement converter hub or the Hong Kong bank directory. Other Hong Kong banks: HSBC Hong Kong statement to CSV · Hang Seng Bank statement to CSV · Bank of East Asia statement to CSV · Standard Chartered Hong Kong 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.