ANZ statements have one property that makes them harder than most: ANZ's own support pages describe the PDF statements available in Internet Banking as scanned copies of the paper statement. A scanned page has no text layer, so a converter that only reads embedded text finds nothing at all and returns an empty file — the statement has to be read as an image first. On top of that, ANZ's downloadable transaction exports are capped at the last two years and only for open accounts, and the online transaction view is far shorter than the statement archive, so the PDF is where most historical ANZ data actually lives. The statement body itself is organised the familiar Australian way: a date, a transaction detail column that wraps freely, separate withdrawal and deposit amounts, and a running balance.
- Scanned ANZ statements fall back to OCR automatically, so an image-only PDF still produces rows instead of a blank CSV.
- Wrapped transaction detail is rejoined, so a long Osko or BPAY reference stays one transaction.
- Withdrawals and deposits keep their direction, mapping to the Debit and Credit columns rather than being collapsed into one signed number.
- The running balance and the opening/closing summary are both used to verify the result, which matters more than usual when the source was OCR'd.