Convert MCB Bank PDF bank statement to CSV/Excel

Maduro and Curiel's Bank provides current and savings account statements in Curaçao and Bonaire, in Netherlands Antillean guilders until 2025, Caribbean guilders from 2025 on, and US dollars. The reviewed statements are seven business current account statements from 2023 to 2026, including one Bonaire account in US dollars.

Full name: Maduro and Curiel's Bank
Countries: Bonaire, Curaçao
Supported statement formats: PDF
Supported destinations: QuickBooks Online, Xero, CSV/Excel

MCB Bank PDF statement details

The following details were checked against seven Maduro and Curiel's Bank current account statements from Curaçao and Bonaire, 2023 to 2026, in Netherlands Antillean guilders (NAF or ANG) before 2025, Caribbean guilders (XCG) after, and US dollars on the Bonaire account. The layout is the same across all three currencies. MCB Ltd of Mauritius is a different bank with a different statement and is not covered here.

Settings for an MCB PDF statement

• Date: rows carry DD/MM with no year, 06/03, under a column headed "DATE D/M". The header prints only one date, "Statement Period MARCH 13 2026", which is the closing date, so the year and the start of the period come from that date and from the "PREVIOUS BALANCE" row, 30/12 on a January statement.
• Amount: European format, point for thousands and comma for decimals, 1.259,95 and 364.028,96. Debit and credit are two unsigned columns. The balance carries a CR suffix glued to the number, 364.097,23CR, on every row; an overdrawn balance would read DR. Foreign amounts on detail lines switch to the other convention, 12,305.00 EUR @ 2.108600000, so one file holds both formats.
• Account number: masked in the title, XCG - CURRENT ACCOUNT# ******9409, with the currency code in front. The full number is not on the statement.
• Account type and currency: the title gives both, NAF - CURRENT ACCOUNT, XCG - CURRENT ACCOUNT or USD - CURRENT ACCOUNT. The same account changed its code from NAF to XCG when the currency changed in 2025.

Every card settlement has three lines of numbers

Merchant card settlements, which are most of the rows on a business account, print the net amount on the dated row, MMDT LC EDC BTC# 222 TID# 3583 68,27, then XCG 69,00 COMM. 0,69 on the next line, the gross sale and the commission, and NAOB TAX 0,04 on a third, the tax on the commission. On Bonaire the tax line reads ABB 0,05. The net amount is the transaction and is what moves the balance; the gross, the commission and the tax are not separate transactions. A converter that reads every number as an amount produces three or four rows per settlement and a balance that never reconciles. The commission and tax lines are worth keeping as memo text for the bookkeeper who has to expense them at month end.

The balance suffix and the number format together

364.097,23CR is three hundred sixty-four thousand guilders and twenty-three cents, in credit. A converter set to North American format reads it as 364.097, a converter that does not strip CR reads nothing, and one that strips it but reads CR as a credit-card credit inverts the account. The running balance is the check for every row, so getting this one token right is the first job on an MCB statement.

The header has one date

"Statement Period MARCH 13 2026" is the only date in the header, and it is the closing date. The opening date is the date on the "PREVIOUS BALANCE" row, 06/03 on a statement that closes on 13 March, because MCB issues statements weekly for busy accounts, and 30/12 on a January statement, which is in the previous year. A converter that assigns the header year to every row puts the December opening balance in the wrong year.

Transfers carry the payer, the reference and a free-text memo on three lines

An incoming transfer prints the counterparty on the dated row, MOSA RESTAURANT B.V. 2.768,53, then one or two memo lines as the payer typed them, SERVIS FRAIS, INVOICE 2026-23002, Statement februari, in Papiamentu, Dutch or English. Outgoing transfers print the payee the same way and add TRANSFER CHARGES XCG 25,47 as a separate fee row with reference 0. A converter that keeps only the dated line has the payee and loses the invoice number; joining the lines keeps both.

Foreign currency transfers show the original amount in the other format

A payment abroad prints 12,305.00 EUR @ 2.108600000 under the row, in point-decimal format inside a comma-decimal statement. The guilder amount on the dated row is the transaction; the euro amount and the rate are memo. A converter that applies one number format to the whole file reads the euro figure as twelve guilders.

PDF input challenges

A bank PDF can contain searchable text, scanned page images, or a mixture of both. Searchable text still needs layout analysis because transaction descriptions wrap, columns move, and headers or balances repeat at page breaks. A scanned statement adds OCR uncertainty.

Page breaks

A transaction may begin at the bottom of one page and continue on the next. Continuation pages can omit column headings, repeat an opening balance, or insert footer text and legal pages between transaction pages. A conversion should join split rows and exclude repeated page furniture before it writes the output.

OCR

On scanned pages, OCR can turn 0 into O, 1 into l, or 5 into S. It can also lose a minus sign or decimal mark, read two columns in the wrong order, or struggle with skewed and faint pages. The running balance is the best check: a damaged amount or missing row breaks the balance sequence.

PDF questions

Can I convert a scanned bank statement?

Yes. Review the OCR result and reconcile every balance movement. Scans with faint printing, rotation, or handwritten marks need more checking than searchable PDFs.

Why does copying and pasting a PDF into Excel fail?

PDF text stores page positions rather than a spreadsheet table. Wrapped descriptions, repeated headers, and visually aligned columns can paste in the wrong order or into the wrong cells.

How do I know whether the PDF contains searchable text?

Try selecting a transaction description in a PDF reader. If individual words can be selected, the page probably contains text. If the whole page behaves like one picture, it requires OCR.

CSV/Excel output settings

CSV is useful for review in a spreadsheet and for imports that accept a simple transaction table. A general-purpose layout uses Date, Memo, and Amount. Some destinations instead require separate Debit and Credit columns, so choose the column arrangement before saving.

Keep amounts numeric: do not place a currency symbol inside the amount cell. Use explicit signs in a single Amount column, or unsigned values in separate Debit and Credit columns. Save account name, currency, and statement notes outside the transaction table unless the destination explicitly requests them.

CSV/Excel questions

Can I set the output date format?

Yes. Choose the date order required by the destination, such as MM/DD/YYYY, DD/MM/YYYY, or YYYY-MM-DD. Use four-digit years so spreadsheet software does not infer the wrong century or year.

Can I set the decimal separator?

Yes. Use a point or comma according to the destination and regional settings. The field delimiter must remain unambiguous; a comma-decimal CSV commonly uses a semicolon as its delimiter.

Does the CSV open in Microsoft Excel?

Yes. Excel opens CSV files directly. Confirm that Excel interpreted dates and decimal marks correctly before saving, because spreadsheet auto-formatting can change them.

Does the CSV work with Google Sheets?

Yes. Import the CSV into Google Sheets and select the locale and separator that match the file. Review dates and amounts after import before sharing or exporting it again.

Should debit and credit be one column or two?

Use one signed Amount column for a compact, general-purpose file. Use separate Debit and Credit columns when the accounting application or existing spreadsheet template requires them.