Convert Orco Bank PDF bank statement to CSV/Excel

Orco Bank provides statements for business and personal current accounts in Curaçao, in Netherlands Antillean guilders (ANG) until 2025 and in Caribbean guilders (XCG) from 2025 on. The reviewed statements are business current account statements from 2024 to 2026, including a combined statement with a summary of balances for two accounts.

Countries: Curaçao
Supported statement formats: PDF
Supported destinations: QuickBooks Online, Xero, CSV/Excel

Orco Bank PDF statement details

The following details were checked against Orco Bank business current account statements from Curaçao, 2024 to 2026, from three to fourteen pages each, including a combined statement with a "SUMMARY OF BALANCES" page for two accounts. The bank name is not in the text layer; it is in the logo. The page is recognized by the account line, 450012-104-001-001-01 XCG, the "C/A Business Resident" account type, and the "Starting balance on" and "Ending balance on" rows.

Settings for an Orco Bank PDF statement

• Date: rows carry two six-digit dates with no separators, 040126 for April 1, 2026, in MMDDYY order. The statement period is printed in the header as 04/01/2026 and 04/30/2026, month first. Both are US order on a Dutch Caribbean statement, which a converter set to day-first for the region gets wrong on every row that can be read both ways.
• Amount: comma for thousands, point for decimals, no sign. Debits and credits are two columns with no printed header in the text layer; the column is known only by position. A negative balance is printed with a trailing minus, 1,782,156.43-, and a positive balance without one, 5,358.64.
• Account number: the header prints 450012-104-001-001-01 with the currency after it. The last two digits are the sub-account, and a combined statement lists -01 and -02 under "SUMMARY OF BALANCES".
• Account type and currency: "C/A Business Resident" is a business current account. The currency is ANG on 2024 statements and XCG on 2026 statements, the same guilder before and after the currency change.

There is no column header, and the debit column is the left one

The transaction table has no header row in the text layer. Dates are on the left, the description in the middle, then two amount columns and the balance. Debits are in the left amount column and credits in the right one. A converter that guesses the columns from the first row, or that reads amounts by their order in the text, has a fifty percent chance of swapping every sign. The check is the balance: for a business account that runs on a credit line, the balance has a trailing minus and grows when a debit posts, 1,801,576.99- after a 36,330.00 payment.

The balance is negative for the whole statement

The reviewed fireworks importer runs its account on a credit line, so every balance on the statement is negative and printed with the minus after the number, 1,873,062.39-. A converter that reads 1,873,062.39- as text and not as a negative number loses the running balance check. One that reads it as a positive number reports the account with two million guilders of cash instead of two million of debt.

Each page has its own footer, and the totals are cumulative

Every page ends with an "Ending balance on 4/30/2026" row that carries the running totals of debits and credits up to that page, and every page after the first starts with a "Previous page balance" row that repeats them. The final page also prints *** End of account statement ***. A converter that reads every row with a date and two numbers as a transaction picks up a "Previous page balance" transaction on each page and an "Ending balance" transaction at the end, with amounts in the hundreds of thousands. The footer and the carry-forward row are not transactions; only the last page's footer is the closing balance.

Point-of-sale rows take five lines

A card terminal purchase prints MAESTRO/POS with the amount on the first line, then a line of terminal and authorization codes, 0601080054 557091 120814 0527 268269, then a second code line, then the merchant, 190000 DELINOVA B.V., then the city and country code, CURACAO CW. The payee is on the fourth line. A converter that keeps the first line calls every purchase MAESTRO/POS; one that joins all five lines puts forty characters of codes before the merchant name. Card sales received from the bank's terminals are the reverse: VS-MC SALE Christmas Palace and DB OB SALE rows are credits with the merchant's own store name, and MERCH FEE rows are the debits for them.

Transfers between banks read like memos

Transfers to and from other banks on the island carry the customer's own memo as the description, mcb naar orco bank over and over orco van rbc alivio, in Dutch, followed by the account name on the next line. There is no bank code and no reference number on the row. A converter that wants a payee gets the memo, and the accountant who sets up the rules has to match on naar orco and van rbc to tell inbound from outbound, since the amount column already says which is which.

Combined statements start with a summary page

A year-end statement can start with a "SUMMARY OF BALANCES" page that lists each sub-account with its currency and balance, followed by an "IMPORTANT MESSAGES" block, before the transaction pages of each account. The summary balances have the same trailing-minus format as the transaction balances. A converter that starts parsing at the first number on page one reads the summary as transactions of the first account. The account pages are the ones with a "Starting balance on" row.

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.