How to open a password-protected bank statement PDF
If your bank emails you a statement, there is a good chance it is encrypted — in India that is close to universal, and it is common across South East Asia and the Gulf too. The awkward part is that most people do not know their password is a formula rather than something they chose.
What the password usually is
- The first four letters of your name followed by your date of birth as DDMM
- Your customer ID or CIF number
- Your registered mobile number, or its last ten digits
- Your account number, or its last few digits
- Your PAN in lower case, for some Indian banks
The exact scheme is per-bank, and where we have verified it, it is written on that bank’s page on this site.
Converting an encrypted statement here
Drop the file in as normal. You will be asked for the password, and it is used inside your browser to decrypt the file in memory. The password is never transmitted and neither is the statement — you can verify that by turning your Wi-Fi off before you type it.
Do not remove the password and email yourself an unlocked copy just to convert it. That leaves an unprotected statement sitting in a mailbox, which is a worse outcome than the problem you started with.
If none of the formulas work
Log into your bank and download the statement from online banking rather than using the emailed copy. Statements downloaded directly are usually not encrypted at all.
Need the file first?
Convert your statement here. Free, no account, nothing uploaded.