Bank2CSV (ProperSoft) is a solid desktop app: you install it, it runs locally, and it outputs CSV/QIF/QFX/OFX for accounting import. If you’d rather not install anything — or you want the numbers checked for you — Bank Statement Converter is a web-based alternative that reads any bank’s PDF and reconciles every row against the statement’s own printed running balances, flagging any row that doesn’t foot as UNVERIFIED. Reconciled, not guessed. Free to try, no signup.
Desktop app vs web converter #
Bank2CSV’s model is a local install with a one-time license — everything runs on your own machine, fully offline, and it emits the accounting formats CSV, QIF, QFX and OFX. That local-only processing is a genuine strength if offline is a hard requirement for you.
Bank Statement Converter takes the opposite approach: nothing to install, it runs in the browser, and its AI engine reads any bank’s PDF (format-verified across many number and date locales). The reason to reach for it is the balance-reconciliation gate — a per-row check against the statement’s own printed balances that flags anything that doesn’t reconcile, so misreads surface instead of shipping silently.
Bank Statement Converter vs Bank2CSV #
| Feature | Bank Statement Converter | Bank2CSV (ProperSoft) |
|---|---|---|
| Where it runs | Web-based — nothing to install, any OS | Desktop app (Windows-first, also Mac) — install required |
| Reconciliation gate | Every row checked against the statement’s printed balances; UNVERIFIED-flagged if it doesn’t foot | No per-row balance-reconciliation gate advertised |
| Bank coverage | Any bank’s PDF via AI (format-verified across many locales) | Bank/format list per the app |
| Free to try | Free tier, no signup or card | Free trial limited to ~10 transactions/file* |
| Export formats | ~Excel, CSV, JSON, Fortnox CSV, OFX/QFX (no QIF) | CSV, QIF, QFX, OFX |
| Pricing model | Free tier, then $19/mo Pro | One-time desktop license* |
| Processing location | ~Cloud; AI path uses Google Gemini (not fully local); in-memory, 24h deletion, EU option | Fully local/offline on your machine |
*Bank2CSV details are from ProperSoft’s public pages as of research (July 2026) and may change — the exact license price and trial transaction cap in particular should be verified on their site.
When to choose Bank Statement Converter #
- You’d rather not install desktop software — convert in the browser on any OS
- You want per-row reconciliation with UNVERIFIED flagging, not just an extract
- You want to try free with no signup and no credit card
- You need Excel/JSON or Fortnox-compatible CSV, or EU-region hosting with 24h deletion
When Bank2CSV may fit better #
- You need QIF output — we emit Excel, CSV, JSON, Fortnox CSV and OFX/QFX, but not QIF
- You require fully offline, local-only processing with nothing sent to any server
- You prefer a one-time purchase over a subscription
The honest privacy trade-off #
Be clear-eyed here: Bank2CSV keeps your files fully local. Bank Statement Converter’s AI path sends statement content to a third-party model (Google Gemini) to do the extraction, so we do not claim “never leaves your device.” What we offer instead is HTTPS, in-memory processing, deletion within 24 hours, and an EU-region hosting option. If offline-only is non-negotiable, a local desktop tool is the right call.