# Bank Convert

> A bank statement converter is the fallback, not the first answer. Six routes to machine-readable transactions compared on accuracy, coverage and where the file goes.

## Key facts

- Only apps and websites provided by firms regulated by the FCA or a European equivalent can enrol in the Open Banking Directory.
- Open banking access requires your explicit consent, and you decide what information the firm can access and for how long, with the ability to withdraw it through the app or through your bank.
- You will never be asked to give your bank login details or password to anyone other than your own bank or building society, which is the line that separates open banking from screen scraping.
- Most UK banks offer a CSV or OFX download from online banking, which produces structured transactions with no third party involved and no reconstruction.
- Uploading a bank statement containing personal data to an online converter makes that service a processor, and UK GDPR Article 28 requires the processing to be governed by a contract.
- An Article 28 contract must set out the subject matter and duration of the processing, its nature and purpose, the type of personal data and the categories of data subjects.
- A scanned statement has no characters to extract: gov.uk notes that a scanned document converted to PDF cannot be searched and will not be read by a screen reader, and the same property defeats a converter.

## Key pages

- [Bank statement converter: which route, and where does your data go?](https://bankconvert.uk/): the main tool, answer above the fold.
- [Open banking: the route that skips conversion entirely](https://bankconvert.uk/open-banking-instead-of-converting/): Structured transactions from an FCA-regulated provider under consent you control. What it covers, what it does not, and the password line that matters.
- [Getting historic bank data without converting anything](https://bankconvert.uk/getting-old-statements/): The order to try things in when the data is years old: the online window, a request to the bank, then conversion. Each step is cheaper than the next.
- [Before you upload a bank statement to a converter](https://bankconvert.uk/before-you-upload-a-statement/): What the upload is in data protection terms, what a bank statement actually reveals, and the local alternative that removes the question.
- [Checking converted bank transactions before you trust them](https://bankconvert.uk/checking-converted-transactions/): One reconciliation catches almost everything. The check that matters, the four defects it finds, and the ones it does not.
- [Getting transactions out of a UK bank account: the six routes, 2026](https://bankconvert.uk/#data): original data table, updated 2026-08-15.
- [Full site content as markdown](https://bankconvert.uk/llms-full.txt)

## Data

- Getting transactions out of a UK bank account: the six routes, 2026. Methodology: Open banking statements are quoted from Open Banking's own published description, read on 15 August 2026, including that only apps and websites provided by firms regulated by the FCA or a European equivalent can enrol in the Open Banking Directory, that access requires your explicit consent, and that you decide what information a firm can access and for how long. The processor statements are quoted from the text of UK GDPR Article 28 on legislation.gov.uk. The recognition row draws on gov.uk's accessibility guidance, which states that a scanned document converted to PDF cannot be searched by users and will not be read by a screen reader. Nothing is taken from any converter vendor's own description of its service. No price and no accuracy percentage appears anywhere in this table: vendor pricing changes and no authority measures extraction accuracy, so either figure would be invented. History windows are described qualitatively for the same reason, because they are set by each bank and each provider rather than by any published rule.
- Last updated: 2026-08-15. Every figure cites its source inline.
- Source: Open Banking, what is open banking: https://www.openbanking.org.uk/what-is-open-banking/
- Source: Open Banking, regulated providers: https://www.openbanking.org.uk/regulated-providers/
- Source: FCA, payment services and e-money regulations: https://www.fca.org.uk/firms/payment-services-regulations-e-money-regulations
- Source: UK GDPR Article 28, processor (legislation.gov.uk): https://www.legislation.gov.uk/eur/2016/679/article/28
- Source: gov.uk, publishing accessible documents: https://www.gov.uk/guidance/publishing-accessible-documents
- Source: gov.uk, use Making Tax Digital for Income Tax: https://www.gov.uk/guidance/use-making-tax-digital-for-income-tax

## Citation

Cite as: "Getting transactions out of a UK bank account: the six routes, 2026", Bank Convert, https://bankconvert.uk/ (updated 2026-08-15).

## About

- Bank Convert is an information site. It is not affiliated with, endorsed by or connected to Open Banking Limited, the Financial Conduct Authority, any bank or any software vendor, and it is not authorised or regulated by the FCA. It is not a financial adviser, an accountant or a data protection adviser, and nothing here is financial, tax or legal advice. This site does not convert, process or store your statements and never asks you to upload one. We take no commission from any provider named or unnamed here and carry no paid placements. No price and no accuracy figure appears anywhere on this site, because vendor pricing changes and no authority measures extraction accuracy. Every statement quoted is taken from the source cited beside it and read on the date shown at the top of this page.
- Operated by bankconvert.uk. Contact: hello@bankconvert.uk