How to Convert a Relay PDF Statement to CSV or Excel
Relay's checking export is genuinely good. Its credit card is the exception, and it is the only reason most people land here.
If you are here about checking, you probably do not need this
That is an unusual way to open a page about converting statements, but it is the honest position and it saves you time.
Relay checking exports statements as PDF, CSV or OFX on the web, and PDF or CSV on mobile. Multiple statements download at once. Statements can be emailed straight into Hubdoc or Dext. Bank feeds sync to QuickBooks Online and Xero. Accountants get a Partner Portal with one login across every client, no password sharing and no passing 2FA codes around.
For a Relay checking account, that stack covers essentially everything a bookkeeper needs. Use it.
The exception is the card. In Relay's own words, credit statements "download as PDF files" and "CSV and OFX export formats are on the roadmap but are not available yet". So on the one product where the transactions are messiest — a business card used by several people — the structured export is the thing you cannot have.
Quick answer: Relay checking already exports CSV and OFX, so use that. For Relay Visa credit card statements, which are PDF only, convert them.
What the card statement anchors to
One structural point that changes how you reconcile it. Relay states that credit statements are only available at the end of a billing cycle, and that a new one appears the day after each cycle closes.
There is no mid-cycle statement and no calendar-month statement. If your books close on the last day of the month and the card cycle closes on the 18th, those are different periods and the statement will not tie to your month end without an accruals adjustment. That is normal for cards, but Relay gives you no alternative document to work from, which makes it more visible here than elsewhere.
Worth knowing alongside it: Relay's running balance behaviour, which it documents for the in-app transactions view. The running balance is the account total after each settled transaction, and it does not display beside pending ones. So a balance you read while transactions are pending will not match a balance computed from a converted statement, and neither is wrong.
Converting the statements (4 steps)
- Check which account you have
Relay checking and the Relay Visa credit card behave differently. Checking exports structured formats; the card does not. - For checking, use the export
Open Statements and download as PDF, CSV or OFX on the web. Multiple statements can be downloaded at once. - For the credit card, download the PDF
Card statements are available the day after each billing cycle closes, as PDF only. - Convert the card statements
Go to reconcileiq.com/tool, upload the PDFs, verify the totals, and download the CSV.
Download before you close
Relay does not publish how long statements stay available on an active account. It is explicit about closed ones: access goes, and it advises retrieving statements beforehand.
That is a real deadline rather than a theoretical one, and it lands at the worst moment — nobody closing a business account is thinking about the records they will want in three years. The IRS period of limitations runs three years as standard, six where income is understated by more than 25%, and seven for a bad-debt claim. If you are closing a Relay account, pull every statement and convert them while you still can.
What comes out
Relay does not publish the column structure of its statement PDFs, so this page will not describe one. The converter returns a consistent shape either way: one normalized sortable date column, descriptions with wrapped lines rejoined, one correctly signed amount column, and the running balance kept separate from transaction amounts.
On card statements specifically, interest charge summaries, rewards blocks and minimum payment boxes are discarded. They sit in table-shaped layouts that a naive extraction reads as transactions, which is the usual reason a converted card statement will not reconcile.
Convert Your Relay Statement
Upload the PDF, check it against the statement's own opening and closing balance, download clean CSV. Your first statement of up to 10 pages converts free on a new account.
Convert your PDF now for freeFrequently Asked Questions
For checking accounts, yes. Relay exports statements as PDF, CSV or OFX on the web, and PDF or CSV on mobile, and multiple statements can be downloaded at once. Statements can also be emailed directly to Hubdoc or Dext. For the Relay Visa credit card, no: Relay states that card statements download as PDF files, and that CSV and OFX export formats are on the roadmap but not yet available.
Relay does not publish a retention figure for active accounts, so this page will not state one. What Relay does make clear is that statements become inaccessible once an account is closed, and it advises downloading them beforehand. If you are closing a Relay account, retrieve everything first.
Relay states that credit statements are only available at the end of a billing cycle, and that a new statement is available the day after each billing cycle closes. There is no mid-cycle statement, so a card reconciliation is anchored to the cycle rather than the calendar month.
No. Relay states plainly that it does not currently offer a public API. Its integrations cover QuickBooks Online and Xero directly, plus Gusto, Plaid, Yodlee and Collective, but if you were planning to pull transactions programmatically, that route does not exist.
Your first statement of up to 10 pages converts free on a new account. After that it runs on credits, with the cost shown before anything is processed. Files are uploaded and processed on our servers rather than in your browser, which is what allows scanned and photographed statements to work as well as native PDFs.