Convert Credo Bank statements to Excel, CSV or QBO

• Cells are centered and vertically middle, so a long description wraps onto lines above and below the dated line.
• Pages are landscape A4 and each currency account has its own statement with its own cover page.

If you hold accounts in more than one currency, each one has its own statement with its own cover. A lari account and a dollar account are therefore separate from the start, and the converter keeps them as separate sections with separate checks.

The transaction table is wide. Pages are landscape A4, and the columns are Date, Operation, Turnover (Dr), Turnover (Cr), Balance, Description, Beneficiary Name and Beneficiary Account. The header row repeats on every page. Debits go in Turnover (Dr) and credits in Turnover (Cr), so the figures have no minus sign and the column decides the direction. A running balance is printed on every row, which means each line can be tested against the line above it as well as against the closing figure on the cover.

Dates use dots, day first. Amounts use a dot for decimals and a comma for thousands, as in 1,234.56. The export turns the dates into ISO format.

One layout detail causes most of the trouble with copy and paste. Credo centers the text in each cell, both across and up and down. A long description that wraps onto two or three lines grows in both directions from the middle, so part of it can sit above the line that holds the date and amount. If you select the text in a PDF viewer and paste it into a spreadsheet, those lines tend to come out shuffled. The converter attaches each loose line to the nearest dated row on the same page, which rebuilds the description in one cell.

Not every column makes it into the export. Beneficiary Name and Beneficiary Account are not exported in this version; you get the date, the description, the debit or credit amount and the balance. Georgian text in descriptions is kept as Unicode, though the synthetic test files contain Latin text only.

The layout comes from structure-only skeletons of real statements, with names and numbers masked, and from synthetic replicas. Four real statements were then converted and each passed the balance check, so Credo is marked Verified. The header words above were read from the masked skeletons. If your statement uses different wording, the converter falls back to the rules it uses for unlisted banks, and the balance check shows the result. Scanned statements are not supported.

Business clients can get statements in several formats from the Credo business mobile bank. For personal accounts, the public pages do not describe a CSV download, so the PDF is usually what you have to work with.