🌍 Free PDF to CSV/Excel Bank Statement Converter
Convert your digital PDF bank statements to CSV or XLS formats in just a few clicks.
Supports US, UK, EU, Asia, and more.
Use our Universal Bank Statement Converter for any Global Bank
What Is Habib Bank Limited (HBL)?
Habib Bank Limited (HBL) is Pakistan’s largest commercial bank and one of the oldest financial institutions in the country. Founded in 1941, HBL serves millions of customers across Pakistan and internationally, including individuals, freelancers, SMEs, large corporations, and overseas Pakistanis.
HBL provides savings accounts, current accounts, Islamic banking services, credit cards, loans, and digital banking through its web and mobile platforms.
HBL bank statements are typically issued as digitally generated, password-protected PDF files. These statements include structured transaction tables with dates, narration, debit amounts, credit amounts, and running balances. Once unlocked, HBL statements usually convert cleanly to CSV or Excel, making them suitable for bookkeeping, tax preparation, expense tracking, and cash-flow analysis.
How to Download an HBL Bank Statement PDF
Downloading a digital PDF directly from HBL is important. The converter works best with original PDFs, not printed or scanned copies.
Downloading from HBL Internet Banking (Desktop)
- Log in to HBL Internet Banking
- Go to Accounts → Statements
- Select the account (Savings or Current)
- Choose the date range
- Select PDF as the format
- Download the statement to your device
This method produces a digitally generated PDF, which is ideal for conversion.
Downloading from the HBL Mobile App
- Open the HBL Mobile App and log in
- Select your account
- Tap Statement / Account Statement
- Choose the date range
- Download the PDF
Statements downloaded from the mobile app are usually supported, as long as they are not scanned images.
Choose a different Pakistani Bank to convert your PDF bank statement into CSV or Excel
What Is the Password of an HBL Bank Statement PDF?
HBL bank statement PDFs are usually password-protected by default for security reasons.
In most cases, the password is based on:
- The account holder’s CNIC number
- Or a combination of CNIC and date of birth, depending on account type and statement source
Common patterns include:
- CNIC without dashes (e.g.
1234512345671) - Last few digits of CNIC
- CNIC combined with DOB (varies by statement)
If the PDF opens without asking for a password, it is already unlocked.
Important Before Conversion
This PDF to CSV converter cannot process password-protected PDFs.
You must:
- Open the HBL PDF using the correct password
- Save an unlocked copy of the PDF
- Upload the unlocked PDF for conversion
If you’re unsure about the password:
- Check the download page or email from HBL
- Look for instructions near the statement download option
- Try the most common CNIC-based formats used by HBL
Once unlocked, the conversion process works normally.
Does This Converter Work With HBL Bank Statements?
Yes. This tool works well with digitally downloaded HBL PDF statements.
If your HBL statement is downloaded directly from Internet Banking or the mobile app, the transaction data is stored as structured text — exactly what this converter is designed to extract.
It works with:
- HBL savings account statements
- HBL current account statements
- HBL Islamic banking account statements
- Multi-page and multi-month PDFs
It does not work reliably with:
- Scanned paper statements
- Photos of printed statements
- PDFs created from screenshots or scans
Quick check: If you can select and copy text from your HBL PDF, this tool is likely to work.
How HBL Bank Statements Are Structured
A typical HBL bank statement PDF includes:
- Transaction date
- Narration / description
- Debit amount
- Credit amount
- Running balance
HBL usually separates debit and credit into different columns, which helps maintain clean structure during conversion.
One thing to be aware of:
HBL narration fields often include IBFT references, cheque numbers, branch codes, and internal transaction IDs. These are valid but can appear cluttered after conversion.
Common Issues When Converting HBL PDF Statements
Most HBL conversions work smoothly, but a few patterns are worth noting.
Long narration text
HBL includes detailed references in narration. This does not affect amounts or balances but may require cleanup if descriptions matter to you.
Multi-page transaction splits
Very long statements may visually split transactions across pages. The converter usually handles this correctly, but a quick review is recommended.
Date format handling
HBL uses Pakistani date formats. When opening the file in Excel or Google Sheets, confirm dates are interpreted correctly before sorting or filtering.
Why Convert an HBL PDF Statement to CSV or Excel?
An HBL PDF statement is fine for viewing — but frustrating to work with.
Converting it to CSV or Excel allows you to:
- Sort transactions by date or amount
- Track monthly income and expenses
- Prepare data for accountants or tax filing
- Reconcile bank data with internal records
- Share editable data instead of static PDFs
This is especially useful for:
- Freelancers and consultants
- Small business owners
- Overseas Pakistanis preparing documentation
- Anyone tracking cash flow over time
PDF is what banks issue.
CSV and Excel are what people actually use.
When This Tool Is a Good Fit for HBL Users
This converter is a good choice if:
- You already have an HBL PDF statement
- You need usable transaction data quickly
- Amounts and balances matter more than narration text
- You want to avoid manual copy-paste work
You may need additional review if:
- You’re preparing audited or regulated submissions
- Narration must be perfectly standardized
- The statement layout is unusually complex
In those cases, conversion still saves time — but verification is essential.
HBL Bank Statement Conversion FAQs
Does this work with HBL Islamic banking statements?
Yes. As long as the statement is digitally generated, Islamic banking statements usually convert well.
Can I convert multiple HBL statements at once?
You can convert them one by one and merge the CSV or Excel files afterward. Large PDFs may work better when split.
Will balances always match my HBL statement exactly?
In most cases, yes. Always verify opening and closing balances before using the data elsewhere.
Can I upload statements downloaded from the HBL mobile app?
Yes. Mobile-downloaded PDFs are typically supported if they are not scanned.
Does this tool categorize HBL transactions automatically?
No. It extracts raw transaction data only. Categorization should be done afterward.