SmartBank Cashbook Manager

SmartBank converts
PDF bank statements
to CSV in one import.

Take your cashbook processing to the next level.

Catch up your cashbooks by importing your bank statements. SmartBank automatically converts supported PDFs to CSV in seconds as you import. Export straight away—or allocate and reconcile first.

For accountants, bookkeepers and business owners catching up their books and working towards tax deadlines.

Unlimited imports · No per-statement conversion fee

David Hartley and Sylvain Ntumba at a SmartBank workstation overlooking Table Mountain
Accounting experience. Practical software.David Hartley & Sylvain NtumbaSee SmartBank in action
David demonstrating the SmartBank cashbook workflow with Table Mountain in the background

Watch the workflow

From PDF statement
to usable transactions.

See the import, review the transactions and choose your export. Follow David’s demonstration with your own supported bank statement.

Explore the learning centre →
NEW · PDF → CSV

See SmartBank in action

Your statements. Your cashbook.

Four simple steps.
Less manual work.

From a bank statement to a cashbook ready for your accounting package.

▶ Watch the PDF import video
  1. 1

    Download

    Your bank statement

  2. 2

    Import

    Into SmartBank

    Supported PDF → CSV automatically
  3. 3

    Allocate & edit

    Review and reconcile transactions

  4. 4

    Export

    Ready for your accounting package

    Choose the right format for your accounting package.

Real SmartBank screens

Your bank statement.
Before, during and after.

Follow the nine-step journey with real SmartBank screens: retrieve your bank statement, prepare and reconcile the transactions, then save an export for your accounting package.

Skip the separate PDF conversion and column alignment.

Import a supported original bank-statement PDF directly into SmartBank. Already have bank-downloaded CSV, OFX or OFC files? Import those directly too.

BEFORE · 1 of 9

Open SmartBank and select your accounting package

Choose the accounting package or cashbook format you intend to use. This sets the starting point for preparing your bank transactions.

SmartBank opening window with accounting-package selectionEnlarge screen ↗
Open SmartBank & select package · Select the screenshot for a closer look.
BEFORE · 2 of 9

Open your company and bank account

Select the company you want to work on, then open its bank account. The transaction workspace is now ready for your bank-statement import.

SmartBank company workspace before the bank statement is importedEnlarge screen ↗
Open the company · Select the screenshot for a closer look.
BEFORE · 3 of 9

Download the original statement from your bank

Retrieve your original bank-issued PDF statement from your bank’s website or app. You can also use bank-downloaded CSV, OFX or OFC files. For PDF import, use the original file: scans, photos and image-only PDFs are not supported.

Original PDF bank statement showing dates, transactions and balancesEnlarge screen ↗
Retrieve bank statement · Select the screenshot for a closer look.
DURING · 4 of 9

Import your bank statement file

Choose Import and select your supported bank-statement file. SmartBank converts supported original PDFs into transaction data during import, saving the separate PDF-to-CSV conversion and column-alignment work. Enter the PDF password if prompted.

SmartBank Import button and file picker selecting a bank-statement PDFEnlarge screen ↗
Import bank statement file · Select the screenshot for a closer look.
DURING · 5 of 9

Review, edit and allocate the transactions

Check the imported dates, descriptions and amounts. Edit where needed, allocate line by line or use auto-allocation for recurring transactions. You can also export CSV without accounting allocations if you prefer to finish the coding in your accounting package.

Imported SmartBank transactions ready for review, editing and allocationEnlarge screen ↗
Review, edit & allocate · Select the screenshot for a closer look.
DURING · 6 of 9

Match the cashbook to the bank-statement balance

Check the opening cashbook balance, deposits and withdrawals against the statement. The reconciled cashbook balance should agree with the bank-statement closing balance. Investigate differences before exporting a prepared cashbook.

SmartBank reconciliation example: opening cashbook balance 2659.45, net withdrawals 668.53 and reconciled balance 1990.92 matching the bank statementEnlarge screen ↗
Reconcile cashbook balance · Select the screenshot for a closer look.
In this example, the balances agree.

Opening balance R2,659.45 − net withdrawals R668.53 = closing balance R1,990.92.

Reconciled cashbook: R1,990.92  ·  Bank statement: R1,990.92
Where to find the reconciliation panels

Look at the bottom right of the SmartBank workspace. This full-screen view shows their location before the opening cashbook balance has been completed; the close-up above shows the matching balances.

SmartBank workspace with the bottom-right cashbook and bank-statement summaries circled
AFTER · 7 of 9

Choose the format your accounting package needs

Open Export and choose the format that matches your accounting package’s cashbook import. For a data-only workflow, choose a suitable CSV format. Tell us your package and version if you need help confirming or adapting an export layout.

SmartBank export assistant listing accounting-package and CSV export formatsEnlarge screen ↗
Choose export format · Select the screenshot for a closer look.
AFTER · 8 of 9

Choose where to save the exported file

Continue through the export assistant, choose the export location and give the file a clear name. Keep the saved file where you can find it for the next step.

Save-location checklist

  1. Choose the folderUse a folder you can find again when importing into your accounting package.
  2. Name the file clearlyInclude the client or company, bank and period. For a CSV export, for example: ClientName-Bank-2026-09.csv
  3. Save and locate the exportConfirm the file is saved before opening your accounting package’s import process.
AFTER · 9 of 9

Import the saved file into your accounting package

Open your accounting package’s cashbook or bank-transaction import, select the file you saved and follow that package’s field-mapping and review steps. Your package must accept a compatible cashbook import. The screenshot below shows the exported CSV in Excel, ready for use; the accounting-package import is completed in your own software.

Exported CSV opened in Excel as an example of the transaction file ready for a compatible accounting-package importEnlarge screen ↗
CSV result shown in Excel · Import it into your accounting software using a compatible format.
Step 1 of 9
Just need the data?

Import → Export CSV

Get the statement into usable columns, then carry on with the bookkeeping in Excel or your accounting package.

Want a prepared cashbook?

Import → Allocate → Reconcile → Export

Use recurring allocation rules, review and balance the transactions, then export in the format your accounting package needs.

The result, side by side

From SmartBank to Excel.

The same workflow, with the exported CSV open alongside the SmartBank transaction screen. Enlarge it to see the detail.

SmartBank and the exported CSV in Excel shown togetherEnlarge the full picture ↗

Six months behind? A couple of years?

Start your catch-up with the bank statements.

Work through your original bank-issued PDF statements in batches. SmartBank removes the separate conversion step and helps you prepare the transactions for your catch-up bookkeeping.

Your accounting package must accept a cashbook import. Tell us which package you use: we’ll confirm the required format and can adapt export layouts where needed. Compatibility depends on the bank statement layout and your accounting software.

Try SmartBank free for 15 days ↗

New · Automatic PDF-to-CSV import

Only PDF statements?
Get your cashbook moving.

Ideal for catch-up bookkeeping when all you have is PDF bank statements. SmartBank converts supported PDFs to CSV automatically as you import them.

Bookkeeper working through a backlog of statements in a Cape Town office
Behind with the books? Start with your bank statements.
PDF → CSV, automatically while importing.

No separate converter. No copying transactions into an AI chat. No extra CSV-formatting step before SmartBank import.

Unlimited bank-statement imports each monthConversion included · No per-statement conversion charge
01 · Just need the data?

Convert. Export. Carry on.

Import your supported original bank PDF, then export CSV transaction data without accounting allocations. Finish the bookkeeping in your accounting package.

See accounting package options →
02 · Want a prepared cashbook?

Allocate. Reconcile. Export.

Reuse allocations, edit and split transactions, and reconcile in SmartBank. Export the prepared transactions with allocations in the format your accounting package needs.

Explore allocation tutorials →

Already have CSV, OFC or OFX files? Import your bank’s files directly. SmartBank works offline on Windows and prepares transactions for desktop or online accounting software.

Use original bank-issued PDFs. Scans, photographs and image-only PDFs are not supported. PDF conversion produces CSV, not OFX or OFC. Support depends on the bank and statement layout.

Try SmartBank with your own bank statements.Download your 15-day free trial ↓

Enter your details in the pop-up, then download the Windows ZIP. Close it to continue browsing here.

Contact SmartBankCall +27 82 061 2300Send us a message →Tokai, Cape Town

Already using SmartBank?

Your PDF upgrade. No extra charge.

The new PDF import feature is included for existing users. Get in touch for the current update.

Get help with the update ↗

Built for the people doing the work

Less capturing. More control.

David guiding a client through SmartBank cashbook transactions in Cape Town

Accountants

Move high-volume client cashbooks through a repeatable, reviewable process.

Sylvain helping bookkeepers review a SmartBank cashbook with Table Mountain behind them

Bookkeepers

Reuse allocations, tidy descriptions and reconcile before anything reaches the ledger.

David and Sylvain reviewing SmartBank cashbook progress with a business owner

Business owners

Keep an eye on cashbook progress and give your bookkeeper the tools to finish accurately and on time.

▶ Watch how PDF import works 2 min 53 sec · Play the homepage video

Your PDF bank statement.
Ready to import.

SmartBank import assistant selecting a PDF bank statement
SmartBank’s import assistant for importing your PDF bank statement.
Watch the demonstration

New Automatic PDF conversion

Import. Allocate.
Export. Simplify.

SmartBank’s new workflow converts supported PDF bank statements into transaction data inside the import process—removing the separate conversion step that used to slow people down.

  • ✓
    One connected workflowOpen the statement, prepare the data and continue in SmartBank.
  • ✓
    Password-protected PDFs supportedImport supported PDF statements, including password-protected files.
  • ✓
    Same controlled finishReview the transactions and export with or without accounting allocations.

Use the original PDF bank statement downloaded directly from your bank. Scanned statements, photographs and image-only PDF copies are not supported. Support also depends on the bank and statement layout. Contact us to confirm compatibility.

The SmartBank cycle

Four guided steps. One clean cashbook.

SmartBank keeps the work visible at every stage. You decide what is mapped, edited, included and exported.

  1. Import the bank statement

    Import a supported PDF, CSV, OFX, OFC or text bank statement file.

    SmartBank tutorial showing bank statement importWatch more videos – Step 1 →
  2. Map and allocate

    Auto-allocate recurring entries, split transactions and fill default accounts.

    SmartBank tutorial showing transaction allocationWatch more videos – Step 2 →
  3. Edit and reconcile

    Search, sort, clean descriptions and balance the batch to the statement.

    SmartBank tutorial showing bank reconciliationWatch more videos – Step 3 →
  4. Export to your accounting package

    Send the completed deposits and payments to your supported accounting package.

    SmartBank tutorial showing export to PastelWatch more videos – Step 4 →
David and Sylvain reviewing transactions on a SmartBank cashbook screen

Practical automation

The repetitive work gets shorter.

SmartBank was shaped around the bottlenecks bookkeepers encounter every month—not around a generic spreadsheet.

See every feature in action
01

Auto-allocation

Save recurring rules and apply them across future statement batches.

02

Recurring splits

Reuse split transactions across multiple ledger accounts.

03

Find, replace & search

Clean imported descriptions and locate transactions quickly.

04

Independent history

Keep imported activity available for lookup, reporting and audit support.

05

Date-range control

Choose the reconciled transactions that should move into the cashbook.

Works with your accounting workflow

Prepare once. Export cleanly.

These are examples of accounting workflows. SmartBank helps you prepare and reconcile the bank data, then export it in a format compatible with your accounting package.

Sage Business Cloud

CSV cashbook workflow

↗

Xero

Offline preparation workflow

↗

OSFinancials

Direct export workflow

↗
+

Other accounting packages

Use an export format compatible with your accounting package. Tell us which package you use—we’ll confirm the format and discuss any changes needed.

↗

Package compatibility and export methods depend on your software version and setup.

If your accounting package isn’t listed above, please call us and we’ll update our systems to accommodate your package.

See the workflow

A full learning centre, built from years of support.

Start with the overview, then work through focused videos for imports, allocation, reconciliation and accounting package exports.

Browse all tutorials
SmartBank software features video preview Featured tutorialSmartBank features overview

Built by an accountant and a systems engineer to save accountants, bookkeepers and business owners time and money—so they can focus on running the business rather than the admin of doing the books.

SmartBank co-founders Sylvain Ntumba and David Hartley
SmartBank foundersSylvain Ntumba & David Hartley

Built from both sides of the problem

Accounting experience meets software engineering.

SmartBank was created by professional accountant David Hartley and software developer Sylvain Ntumba. Their partnership combined day-to-day bookkeeping knowledge with deep accounting-software development.

More than a decade later, SmartBank is still supported and still evolving—most recently with automatic PDF conversion built directly into the bank statement import workflow.

Straight answers

SmartBank questions

Need to check a particular bank or accounting package? We’ll confirm the right route for your setup.

What does SmartBank do?+

It imports supported bank statement files, helps you allocate and clean transactions, guides the reconciliation, and exports the finished cashbook to supported accounting software.

How do I convert a PDF bank statement to CSV?+

Use the original PDF bank statement downloaded directly from your bank. Scanned statements, photographs and image-only PDF copies are not supported. SmartBank automatically converts a supported original bank-issued PDF to CSV transaction data during import. You can then allocate transactions, reconcile the cashbook and export a file to import into your accounting package. PDF conversion produces CSV only. It does not convert PDFs to OFX or OFC. Supported password-protected PDFs can also be imported. Compatibility depends on the bank and statement layout.

Can I import CSV, OFX and OFC files from my bank?+

Yes. Download the official CSV, OFX or OFC statement file from your bank, then import it into SmartBank. SmartBank supports bank-statement imports from South African banks; the formats available depend on your bank. Allocate transactions, reconcile the cashbook, then export the transaction file and import it into Pastel, Sage One (Sage Business Cloud Accounting), Xero or another accounting package, using the format that package requires. Contact us to confirm your bank layout and export requirements.

CSV, OFX and OFC are bank-file import options. PDF conversion produces CSV, not OFX or OFC.

Does SmartBank replace my accounting package?+

No. SmartBank prepares and reconciles bank transactions before they are imported into your chosen accounting package. A standalone mode is available for demonstration and learning.

More questions? Pricing, exports & support...
Can I export CSV without allocating transactions?+

Yes. Import and convert a supported PDF bank statement, then export CSV data without accounting allocations. Alternatively, allocate and reconcile in SmartBank before exporting with allocations. The destination accounting package determines the required import format.

Is there a monthly statement limit or a per-PDF charge?+

SmartBank includes unlimited bank-statement imports each month and PDF conversion with no per-statement conversion charge. A 15-day free trial is available for new users.

Do I need ChatGPT or another PDF converter?+

No separate AI chat or PDF conversion service is needed for supported statements. SmartBank converts the original bank PDF to CSV transaction data during import, saving the separate conversion and formatting steps.

Which accounting packages can I export to?+

SmartBank supports workflows for Pastel Partner and Xpress, Sage One, Xero and OSFinancials. Other desktop and online packages may accept the exported data. Contact us to confirm the format for your package and version.

Can I try it before buying?+

Yes. Try SmartBank free for 15 days. Complete the trial form and save your details to access the Windows download and video tutorials. Contact us if you need help confirming your bank statement and accounting-package setup.

Do existing users pay for PDF import?+

The new PDF import feature is available to existing SmartBank users at no additional charge. Contact David for help getting the current update.

What if my statement will not import?+

Contact David with the bank name, statement format and a description of what happens. The team can investigate the layout and advise on compatibility.

Ready to see your own statement flow?

Make the next cashbook the easy one.

Sylvain assisting a client with SmartBank in a Cape Town office

People behind the software

Questions before you start?

Check your bank statement format, accounting package or current SmartBank update with our team.

Call +27 82 061 2300

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