Convert Vidanova Bank PDF bank statement to CSV/Excel

Vidanova 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.

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

Vidanova Bank PDF statement details

The following details were checked against Vidanova Bank business current account statements from Curaçao, 2024 to 2026, from two to eighteen pages each. The layout did not change between the years, but the currency did: the 2024 statement is in ANG, the Netherlands Antillean guilder, and the 2026 statements are in XCG, the Caribbean guilder that replaced it. The bank name is not printed anywhere in the text layer; the page is recognized by its "Statement of Account" title, the "BUSINESS C/A" account line and the "B/F Balance" and "C/F Balance" rows.

Settings for a Vidanova PDF statement

• Date: rows carry two dates, Date Posted and Value Date, as 02 MAR with no year. The statement date, 31 MAR 2026, is printed in the page header on every page and gives the year. The first row, 27 FEB B/F Balance, is dated in the previous month, so a statement that starts in January carries a December date from the previous year.
• Amount: comma for thousands, point for decimals. Credits are plain, 2,000.00. Debits carry a DR suffix with no space, 330.00DR, and amounts under one guilder have no leading zero, .06DR. A converter that reads 330.00DR as text and not as a number drops every debit.
• Account number: the account line prints the account number and the currency together, 3001165959 ANG or 3001271128 XCG, between "BUSINESS C/A" and the account name.
• Account type and currency: "BUSINESS C/A" is a business current account. The currency is the code after the account number: ANG until 2025, XCG from 2025 on. Two statements of the same account can carry different currency codes, and both are the same guilder at par.

Every transfer is three transactions

An outgoing transfer on a Vidanova statement produces three rows with the same reference number: the payment, OV24000009719 330.00DR, then Transfer fee 1.00DR, then OB .06DR, the turnover tax on the fee. All three are real debits and all three move the balance. A converter that merges rows with the same reference into one transaction loses the fee and the tax, and the balance no longer reconciles. A converter that keeps them separate produces three rows for every payment, which is correct, and the accountant can then match the fee and tax rows to an expense account by their fixed descriptions.

The payee is on the second line, and the reference is where the payee should be

For a debit, the Description column on the dated line holds only the transfer reference, OV24000009719. The payee comes on the next line as F/O: pooltech BV, and the memo on the line after, INVOICE 314 dec23. For a credit, the dated line has no description at all; the next line holds the sender's reference and BIC, I2400000410134 / MCBKCWCUXXX, then the sender's name, then the memo. A converter that takes the description from the dated line gets a reference number for every debit and nothing for every credit. The payee is the F/O: line for debits and the line after the BIC line for credits. Descriptions are in Dutch, English and Papiamentu as the customers typed them, huur maand JAN 2024, Salaris, Material.

A transaction can be split across a page break

Each page repeats the customer block and the column header, and a multi-line transaction does not wait for the next page. The OB .06DR row of a transfer can sit at the top of page two under the repeated header while the payment and the fee sit at the bottom of page one. A converter that resets its state at every page header treats the orphan row as a transaction without a payee, which it is, so the join has to be by reference number and not by position.

The value date can be earlier than the posted date

Loan repayments and month-end items print a value date before the posted date, 02 MAR posted with 28 FEB value. The running balance follows the posted date. A converter that sorts by value date reorders the rows and the balance check fails. The posted date is the transaction date.

The summary counts every row

The "Statement of Account" summary prints the number of items next to each total, + Deposits and other credits 51 63,334.94 and - Cheques and other debits 101 53,839.98. The counts include the fee and tax rows, so 101 debits on an 11-page statement is about a third payments and two thirds fees and taxes. The count is the check for the parse, and it is also the reason a monthly statement from a small company runs to eighteen pages.

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.