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Convert BMO credit card statement to Wave

To convert a BMO credit card statement to Wave, download the PDF from BMO, drop it into the converter below, and click Wave. LedgerClip rebuilds every transaction on your device — nothing is uploaded — and checks the totals reconcile before you save a Wave-ready CSV that uploads on Wave’s statement import screen.

BMOcredit card statement · PDFOn your device0 bytes uploadedWaveCSV file
BMO credit card statement → read on your device → CSV file ready for Wave. Nothing is uploaded.

Drop your BMO credit card statement here

or choose a file — PDF, scan, or photo

Exports to CSV, Excel, QuickBooks, Xero, Wave, OFX and QIF
On your device

Statements are read here in your browser. Nothing is sent to a server.

0bytes uploaded

QuickBooks file details

QuickBooks only accepts .qbo files that name a supported bank. Pick yours, or keep the default, which QuickBooks accepts for any account.

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Statement format

BMO statements download as text PDFs that parse directly; a scan or photo works too via on-device OCR.

Good to know

BMO gives you up to 24 months of billing statements online.

Also exports

CSV, Excel, QuickBooks, Xero, Google Sheets

How do I convert a BMO credit card statement to Wave?

  1. Download the BMO credit card statement PDF. Log in to BMO Digital Banking or the BMO app, open the credit-card account, and use the Statements section to find and download the eStatement; you can switch to paperless there too.
  2. Convert it on your device. Drop the PDF into the converter on this page. LedgerClip rebuilds the transactions in your browser — nothing is uploaded — checks the totals reconcile, then lets you save a Wave-ready CSV.
  3. Import into Wave. In Wave, open Accounting then Transactions. Click Upload a bank statement and select the CSV. Review the imported rows and categorise them into your chart of accounts.

Where do I download my BMO credit card statement?

Log in to BMO Digital Banking or the BMO app, open the credit-card account, and use the Statements section to find and download the eStatement; you can switch to paperless there too. It downloads as a text PDF that LedgerClip reads directly, and a scan or photo works too. See BMO's official statement help.

How do I import the Wave file into Wave?

  1. In Wave, open Accounting then Transactions.
  2. Click Upload a bank statement and select the CSV.
  3. Review the imported rows and categorise them into your chart of accounts.

Wave accepts a CSV with date, description and amount columns; because LedgerClip already signs the amount, Wave books each row as the correct debit or credit instead of asking you to fix the direction.

What's in the Wave file?

Each transaction becomes one row with the posting date, the description exactly as BMO printed it, the amount with the right sign, and the running balance when the statement prints one. The opening and closing balances are checked against the total, so an incomplete extraction is caught before you import. On a credit card, purchases come out as negative amounts and payments or credits as positive, and the QuickBooks export is written as a credit-card account so QuickBooks files it correctly.

Is my BMO credit card statement uploaded anywhere?

No. The PDF is opened by code running in your browser and never leaves your device — the byte counter on the converter above stays at zero the whole time. There is no account and no sign-up to convert.

Frequently asked questions

Does the BMO statement have to be a downloaded PDF, or can I use a scan or photo?
Both work. A statement downloaded from BMO is read from its text and is the most reliable. A scan or a phone photo is read on your device with OCR and checked so the totals reconcile.
Is my BMO statement uploaded anywhere?
No. The file is opened by code running in your browser and never transmitted. The byte counter on the page shows zero throughout.
What does the Wave file contain?
Date, description, and the signed amount — purchases as negative, payments and credits as positive — plus the running balance when the statement prints one.
How many statements are free?
Three a month, with every export format. Pro removes the limit.

Convert another card

LedgerClip reads credit-card statements from every major issuer — also convert USAA, Truist, SoFi to Wave, or see every supported bank and card. Need the BMO bank statement instead? Convert the BMO bank statement.

Also available for BMO: CSV, Excel, QuickBooks, Xero, Google Sheets. If your BMO statement does not parse, report it and the layout is added within days. Updated .