How to Convert a Tide PDF Bank Statement to CSV or Excel
Tide gives you PDF statements for your business account. Here's how to convert them into clean, structured CSV or Excel data — for free, in a few seconds.
Why Tide PDF Statements Need Converting
Tide is one of the most popular business banking apps in the UK, used by hundreds of thousands of sole traders and small limited companies. While Tide does offer CSV export from within the app, many users find that the format doesn't match what their accounting software expects — columns are in the wrong order, dates are formatted differently, or the file simply won't import cleanly into Xero, QuickBooks, or Sage.
PDF statements, on the other hand, are the format Tide provides for official records — the kind you need for HMRC submissions, loan applications, or sharing with your accountant. But getting usable data out of a PDF is painful. Copy-pasting into Excel produces broken formatting, merged cells, and garbled amounts.
Quick answer: Use ReconcileIQ's free PDF converter. Select Tide, upload your PDF, and download clean CSV or Excel output. Your first statement of up to 10 pages converts free on a new account.
How to Convert Your Tide Statement (4 Steps)
- Download the statement from Tide
Sign in to Tide online banking and download the PDF statement for each period you need. One PDF per statement period. - Create a free account
Register from the converter page, then open ReconcileIQ and open the PDF converter inside it. There is no bank to pick from a list — the extraction reads whatever layout is in front of it, which is why statements from banks we have never seen convert just as well. - Upload your PDF
Drag and drop or click to browse. The file is uploaded over an encrypted connection and read on our servers, which is what lets scans and photos work as well as native PDFs. - Download your CSV or Excel file
Review the extracted transactions on screen, then download as CSV (for accounting software import) or Excel (for spreadsheet analysis).
Privacy note: Your statement is uploaded over an encrypted connection and read on our servers rather than in the browser. That is a deliberate trade: it is what allows scanned and photographed statements to convert, not just native PDFs.
What the Converter Extracts
The Tide parser extracts these fields from your PDF statement:
- Date — transaction date in a clean, sortable format
- Description — payee name and transaction reference
- Money in — credit amounts (income, transfers in, refunds)
- Money out — debit amounts (payments, fees, transfers out)
- Balance — running balance after each transaction
Multi-line descriptions are merged correctly. Amounts with commas and currency symbols are normalised. The output CSV uses a single signed amount column for easy import into accounting software.
Tide CSV Export vs PDF Conversion
Tide does let you export transactions as a CSV directly from the app. So why would you convert a PDF instead? There are several common scenarios:
- Format mismatch — Tide's native CSV export uses a format that doesn't always import cleanly into accounting platforms. Column headers, date formats, or amount formatting may need adjusting.
- Official statements — your accountant or lender asked for the "official" PDF statement, but you also need the data in a spreadsheet
- Historical records — you have older PDF statements saved locally that pre-date your current Tide app access
- Standardisation — you use multiple bank accounts and want all statements in the same clean CSV format for reconciliation
Tide's Built-In Accounting Features
Tide includes basic invoicing and expense categorisation within the app. However, most accountants and bookkeepers find these features too limited for proper bookkeeping. If you're using dedicated accounting software like Xero, QuickBooks, Sage, or FreeAgent, you'll need to export your Tide transactions and import them into your platform — and a clean CSV is the way to do that.
Who Uses Tide?
Tide is a business-only bank — there are no personal accounts. It's designed specifically for:
- Sole traders — freelancers, contractors, and self-employed professionals who need a separate business account
- Limited companies — small businesses that need company bank accounts with fast setup and low fees
- New businesses — Tide is popular for company formation, offering a business account within minutes of incorporation
Because Tide users are running real businesses, they almost always need to get their transaction data into accounting software at some point — whether that's for VAT returns, corporation tax, or year-end accounts.
What to Do With Your CSV Data
Once you have clean CSV data from your Tide statement, you can:
- Import into accounting software — Xero, QuickBooks, Sage, FreeAgent, and Pandle all accept CSV bank imports
- Reconcile in ReconcileIQ — upload alongside your accounting data to automatically match and reconcile
- Analyse in Excel — pivot tables, spending analysis, cash flow tracking
- Code in CodeIQ — if you're a bookkeeper, CodeIQ can automatically code transactions to your chart of accounts, classify VAT, and post back to your platform
- File with HMRC — structured data for Self Assessment, corporation tax, VAT returns, or MTD submissions
Convert Your Tide Statement Now
Fast, accurate, and checked on screen before you download. Your first statement of up to 10 pages converts free on a new account.
Convert your PDF now for freeFrequently Asked Questions
Tide does offer CSV export from within the app, but the format may not match your accounting software's import requirements. For a standardised CSV from a Tide PDF statement, use the free converter at reconcileiq.com/bank-statement-converter.
Use the free PDF converter at reconcileiq.com/bank-statement-converter. Select Tide, upload your PDF, and download the extracted data. CSV files open directly in Excel, or you can copy-paste the preview data.
Your first statement of up to 10 pages converts free on a new account. After that it runs on credits, and the cost is shown before anything is processed.
Yes. The converter handles both Tide sole trader and Tide limited company PDF statements. The parser recognises Tide's statement layout and extracts dates, descriptions, money in, money out, and balance correctly.