Cómo convertir estados de BMO a CSV o Excel

¿Por qué convertir estados BMO?

BMO (Bank of Montreal) is Canada's oldest bank, founded in 1817, and one of the Big Five. BMO serves millions of personal and commercial banking customers across Canada and the US. Their PDF statements contain detailed transaction records, but the compact table formatting makes manual extraction a chore — especially for busy months with dozens of transactions per page. BankRead reads BMO's statement layout automatically, extracting dates, descriptions, debits, credits, and balances into a structured format ready for export to CSV or Excel.

Entendiendo el formato de estados BMO

BMO chequing and savings statements use a portrait PDF layout. The transaction table includes columns for Date, Description, Debits, Credits, and Balance. Transactions are listed in chronological order. The header section shows the account number, branch transit, statement period, and account summary (opening balance, total debits, total credits, closing balance). BMO Mastercard statements use a separate layout with Date, Transaction Description, and Amount columns, plus a statement summary section at the top showing previous balance, payments, purchases, and new balance.

Cómo convertir con BankRead

Sigue estos pasos para convertir tu estado PDF de BMO a CSV o Excel:

1. Descarga tu estado, exporta una hoja de cálculo o toma una foto — Obtén el PDF desde tu portal bancario en línea de BMO, exporta transacciones como CSV o Excel, o toma una foto de un estado en papel con tu teléfono.
2. Sube a BankRead — Arrastra y suelta el PDF, CSV, Excel o imagen en tu panel de BankRead. En móvil, toca 'Tomar foto' para capturar directamente.
3. La IA procesa tu estado — La IA de BankRead lee cada transacción de PDFs de texto, hojas de cálculo, documentos escaneados o fotos — extrayendo fechas, descripciones y montos, luego categorizando automáticamente.
4. Revisa los datos extraídos — Verifica la tabla de transacciones en pantalla para confirmar que los datos son correctos. La categorización IA se aplica automáticamente.
5. Exporta a CSV o Excel — Haz clic en el botón de exportar para descargar tus datos limpios y estructurados como archivo CSV o Excel.

Cómo descargar tu estado PDF de BMO

1. Log in to BMO Online Banking at bmo.com with your card number and password.
2. Click on the account name from the accounts dashboard.
3. Select 'Statements' from the account options or navigation menu.
4. Choose the month you need from the list — BMO keeps eStatements for up to 7 years.
5. Click the PDF download link and save the file to your computer.

Qué datos se extraen

BankRead extrae los siguientes campos de tu estado BMO:

• Transaction date
• Description (e.g., 'INTERAC DIRECT PAYMENT — CANADIAN TIRE #327')
• Debit amount (withdrawals, payments, fees)
• Credit amount (deposits, refunds)
• Running balance
• AI-assigned category (e.g., Auto & Gas, Shopping, Utilities)

Opciones de exportación

Una vez procesado tu estado BMO, puedes exportar los datos en dos formatos:

• CSV (valores separados por comas) — Ideal para importar en software contable como QuickBooks, Xero, Wave o FreshBooks. Compatible con prácticamente cualquier aplicación de hoja de cálculo incluyendo Google Sheets.
• Excel (.xlsx) — Hoja de cálculo lista con columnas y encabezados formateados. Ideal para análisis personalizado, tablas dinámicas o compartir con tu contador.

Consejos para estados BMO

• BMO statements use a clean, column-aligned table that's well-suited to automated extraction — expect high accuracy.
• BMO Mastercard statements are also supported. Upload credit card statements the same way as chequing statements.
• Multi-page statements (common for business accounts with high transaction volume) are processed in a single upload.
• BMO occasionally includes promotional banners or notices in the PDF — BankRead's parser ignores these and extracts only the transaction table.
• BMO US personal banking (formerly BMO Harris) statements have a slightly different layout — both Canadian and US BMO formats are supported.

Problemas comunes y soluciones

• BMO statements sometimes include an 'Interest Summary' or 'Fee Summary' section at the end. These are extracted as individual line items, not duplicated.
• Older BMO statements (pre-2013) may use a scanned image format. BankRead automatically detects scanned PDFs and processes them with AI vision. You can also upload photos of paper BMO statements.
• BMO's combined statements (multiple accounts in one PDF) are supported — all accounts' transactions are extracted together.

Preguntas frecuentes