A Lloyds statement carries a real Payment type column, separate from the description — a short code identifying the payment method (DEB for a debit card purchase, DD for a Direct Debit, TFR for a transfer, FPO and FPI for faster payments out and in, BGC for a bank giro credit, CPT for a cash machine withdrawal, SO for a standing order, CHQ for a cheque) while the details column carries the payee. That separation is genuinely useful and it is the first thing generic converters lose, collapsing two columns into one and mangling both. Money out and money in sit in their own columns rather than as one signed figure, so direction is carried purely by horizontal position. Lloyds keeps statements online for seven years, and ten in the mobile app, which means the PDFs people actually convert are often years old and produced by an older statement template than the one on screen today.
- Payment type and description are kept apart, so the code that identifies a Direct Debit or standing order does not get glued into the payee text.
- The two money columns map to Debit and Credit, keeping the direction of every amount intact.
- Older statement templates are handled, since the layout is read from the page rather than assumed from the bank name.
- The printed balances verify the output, so a dropped or duplicated row surfaces as a DISCREPANCY instead of passing silently.