Frequently Asked Questions
Everything you need to know about converting bank and credit card statements with Ledger Tome. Can't find what you're looking for? Contact our support team.
Getting Started
What is Ledger Tome?
Ledger Tome is an AI-powered tool that converts bank and credit card statement PDFs into clean, structured data. Simply upload your PDF, and our AI extracts all transactions into a format ready for import into accounting software like QuickBooks, Xero, or Wave. Export as CSV, Excel, QIF, QBO, or JSON.
How do I start converting bank or credit card statements?
Sign up for a free account to get 3 free pages per week plus 10 bonus tokens. Once logged in, go to the Convert page, upload your PDF bank or credit card statement, review the extracted data in our interactive table, and export in your preferred format.
Do I need to install any software?
No. Ledger Tome is entirely web-based. You can access it from any modern browser on desktop or mobile. No downloads, plugins, or installations required.
What file formats do you accept?
For AI extraction: PDF statements, digitally generated or scanned, plus images (JPG, PNG, WebP, HEIC) for receipts and invoices. For best results with a scan, aim for a clear 300 DPI capture. Separately, you can import files you already have (QBO, QFX, OFX, QIF, MT940, CAMT.053, CSV and Excel); those are parsed in your browser rather than by AI.
Bank & Card Support & Accuracy
Which banks do you support?
There is no supported-bank list, because there are no per-bank templates: extraction reads the statement rather than matching it against a stored layout, so an unfamiliar bank is the same job as a familiar one. That is a description of the approach and not a guarantee, which is why every extracted row is shown to you, with the running balance recomputed, before anything is exported. Convert one page on the free plan before committing to a batch.
How accurate is the AI extraction?
Reliably on clean, digitally generated PDFs; less predictably on scans and photographs, where it depends on the quality of the capture. We do not quote a percentage, because a number averaged over other people’s documents tells you nothing about the statement in front of you. What tells you something is the review step: every row is shown against the statement, and the running balance is recomputed across the account, so a row whose figure does not fit its neighbours is flagged before you export.
What languages are supported?
Ledger Tome supports bank and credit card statements in English, Spanish, French, German, Portuguese, Italian, Dutch, and many other languages. The AI recognizes transaction patterns regardless of language.
Can it read scanned or photographed statements?
Yes, scanned PDFs and photos go through an OCR step before extraction. They are the hardest case: a skewed photo, a faint fax or a low-resolution scan can lose a digit, and the review step is where you would catch that. A clear 300 DPI scan behaves much like a digital PDF.
Can I combine several statements into one file?
Yes. Convert each statement, then combine the results into a single entry before exporting. The rows are ordered by date across the whole set, consecutive statements are stitched using their opening and closing balances, and rows that appear in two overlapping statements are detected so only one copy is kept. Where a run of identical rows cannot be resolved automatically, it is shown to you rather than deduplicated silently.
What is the difference between converting a PDF and importing a file?
Converting a PDF sends the document to an AI model to read the transactions off the page, and the result needs reviewing. Importing an existing QBO, QFX, OFX, QIF, MT940, CAMT.053, CSV or Excel file involves no AI at all: the file is already structured, so it is parsed in your browser and simply re-exported in the format you want. Imports are also charged differently, at 1 token per 100 rows with a minimum of 1.
Can it handle multi-page statements?
Yes. You can upload multi-page PDF statements, and the AI will extract transactions from all pages into a single file. Each page costs one token. Before converting you can preview the pages and skip any you do not need, so those pages are neither converted nor charged.
Output & Export Formats
What columns are included in the output?
Every export includes: Date (YYYY-MM-DD format), Description, Debit amount, Credit amount, Running Balance, Currency (ISO 4217 code), and Account ID. This standardized format works with all major accounting software.
Which accounting software can I import the data into?
CSV, Excel (.xlsx), QBO (QuickBooks Web Connect), QFX (Quicken Web Connect), OFX, QIF, MT940, CAMT.053, a Xero bank statement CSV, and JSON. Which one to pick depends on the destination: QuickBooks Desktop reads QBO, Quicken reads QFX, Xero documents OFX and recommends it where a bank offers it. CSV and Excel open anywhere but usually need a column mapping at the far end.
Can I edit the extracted data before downloading?
Yes. After extraction, you'll see all transactions in an interactive table. Click any cell to edit values. Our smart validator highlights balance discrepancies so you can fix errors before downloading.
What is the Auto-fix feature?
When the validator detects that extracted balances don't match calculated balances (based on debits and credits), you can click Auto-fix to automatically recalculate and correct the balances.
Pricing & Tokens
How does token pricing work?
Each page of a PDF costs one token to process, and pages you skip in the upload screen are not charged. Free users get 3 tokens per week that refresh automatically. Paid plans include monthly token allowances, and you can purchase additional token packs anytime.
What does it cost to import an existing CSV, Excel, QBO, QFX, OFX, QIF, MT940 or CAMT.053 file?
Importing an existing transaction file costs 1 token per 100 rows, with a minimum of 1 token per file. A 250-row CSV uses 3 tokens. Imports are read directly from the file rather than processed by AI, so they are charged by row count instead of by page.
What do I get with a free account?
Free accounts receive 3 tokens per week (refreshed every 7 days) plus a one-time bonus of 10 tokens on signup. This lets you convert up to 3 pages per week indefinitely, or more pages initially with your bonus tokens.
Do unused tokens roll over?
On a paid plan, yes. Your monthly recurring tokens are added to your balance instead of replacing it, so unused tokens bank up for as long as your plan is active. If you cancel, the banked tokens stay usable until the end of the period you paid for and are restored in full if you resubscribe within 30 days. Free tier weekly tokens do not roll over; they refresh each week. Purchased token packs and bonus tokens are permanent, never expire, and are unaffected by cancellation.
Can I upgrade or downgrade my plan?
Yes. You can change your plan anytime from your Billing page. When upgrading, you'll receive the difference in tokens immediately. When downgrading, the change takes effect at your next billing cycle.
Security & Privacy
Is my financial data secure?
Traffic is encrypted with TLS and stored files are encrypted at rest with AES-256, on infrastructure in the EU (Ireland). Uploads and generated files are deleted automatically after seven days, or sooner if you delete the conversion. The Security page sets out what is and is not claimed, including the certifications we do not hold.
How long do you store my files?
Uploaded PDFs and generated files are retained for 7 days, then automatically and permanently deleted from our servers. During this period, you can re-download your exports or resume editing sessions.
Do you share my data with third parties?
We do not sell your data. Converting a document does mean sending it to an AI provider for extraction, and those providers are contracted so that inputs and outputs are not used to train or fine-tune their models and are not retained beyond returning the result. The Privacy Policy lists every sub-processor, including the payment, email and analytics ones.
Can I delete my files immediately?
Yes. You can manually delete any uploaded file or conversion from your History page at any time, and it will be removed from our servers immediately.
Account & Technical
How do I reset my password?
Click "Forgot password" on the login page and enter your email address. You'll receive a password reset link within a few minutes. Check your spam folder if you don't see it.
Why is my PDF not processing correctly?
Common issues include: scanned PDFs with low resolution (use 300+ DPI), password-protected PDFs (remove protection first), or image-only PDFs without text layers. For best results, use the original digital PDF from your bank's or card issuer's online portal.
Can I process multiple files at once?
Pro and Enterprise users can upload multiple files in batch. Each file is processed separately, and you can download individual exports or a combined file.
How do I contact support?
Email us at support@ledgertome.com for technical issues or questions. We typically respond within 24 hours on business days.