Password protected bank statement

Find the password for any bank — unlock the PDF instantly in your browser. No upload to servers.

Pick where you downloaded it

Which bank is this statement from? (optional — we'll show the password format)

Add the locked PDF

Drop your password-protected PDFTap to upload your PDF

or click to browse · PDF only · max 20MB

Type the password

Free · Processed in your browser · Never uploaded to any server

Common bank statement passwords

Most banks use your date of birth, account digits, or customer ID, and the same format covers savings and current accounts. Formats below were checked in 2026 — including app downloads like SBI YONO, which uses the date of birth where net banking wants the account number.

Indian banks

DOB = DDMMYYYY

Yes Bank: Customer ID + DOB (DDMMYYYY); 12345678915081990 — emailed PDFs; app downloads are often unprotected
HDFC Bank: Customer ID; Not DOB — find Customer ID on passbook or net banking
ICICI Bank: First 4 letters of name + DOB (DDMM); RAJE1503 for "Rajesh" born 15 March
SBI: DOB in DDMMYYYY or account number; 15031990 or full account number
Axis Bank: First 4 letters of name + DOB (DDMM); RAJE1503 format
PNB, Canara, BOI, IndusInd: DOB in DDMMYYYY; Same DDMMYYYY format across most public-sector banks
Kotak Mahindra: DOB in DDMMYYYY; 15021990 for 15 Feb 1990
Indian Bank: Full account number; All digits, no spaces — via IndOASIS or Net Banking
South Indian Bank: Name (4 letters, lowercase) + account last 4; rake1234 for "Rakesh", account ending 1234
Bank of India: Name (4 letters, lowercase) + DOB (DDMM); anan1606 for "Anand" born 16 June
Bank of Maharashtra: Name (4 letters, lowercase) + DOB (DDMM); raju0110 for "Rajesh" born 1 October
Central Bank of India: Customer ID (CIF) + @ + DOB (DDMMYYYY); 12345@15081990
IDBI Bank: Customer ID; 8 to 11 digits, entered exactly as issued
Karnataka Bank: DOB in DDMMYYYY, or Customer ID; 15081990 — try the Customer ID if the date fails
UCO Bank: Registered mobile number, or DOB / Customer ID; 10 digits; some PDFs use 15081990 instead

Password formula for most Indian banks

DDMMYYYY15031990

Born 15 March 1990 → password is 15031990

International banks

FNB (South Africa)
ID last 4 + Account last 4
e.g. 56781234
Standard Bank (SA)
ID last 6 digits
Last 6 of your SA ID number
Capitec (SA)
Mobile last 4 digits
Last 4 of registered mobile
US & UK banks
Usually no password
Chase, Barclays, HSBC, Lloyds — open directly

Step-by-step guide for your bank

Exact format, examples, download steps, and what to try when the password fails.

Remove the password in your browser

Enter the password once — our tool removes it and downloads a clean, unlocked copy. Everything runs in your browser. Your file never touches our servers.

Enter the password you found above
Download unlocked PDF instantly
100% in-browser — no upload to servers

Why banks lock statement PDFs — and what to do about it

Banks password-protect PDF statements to prevent unauthorized access if the file is intercepted during email delivery or downloaded on a shared computer. The password is always something only you know — date of birth, account number, or customer ID. This is standard practice for Indian banks, South African banks, and some European institutions.

The problem is that password-protected PDFs can't be processed by financial tools. You can't upload them to accounting software, bank statement analyzers, or even search inside them. Our in-browser unlock tool solves this: enter the password once, download a clean copy, and use it however you need. The file never leaves your device — the decryption happens entirely in JavaScript using the pdf-lib library.

After unlocking, you can upload the clean PDF to our free bank statement analyzer for instant spending categorization, or convert it to CSV or Excel for your accountant. The unlocked file works everywhere — no more password prompts.

Not every locked PDF is an account statement

Credit card statements

They are issued on a different system from your account statement, so the password usually comes from card details rather than the account. ICICI, for example, opens card statements with the last four digits of the card number — which changes when the card is reissued. Do not carry one issuer's rule over to another.

Excel and CSV exports

These are not password-protected PDFs. A spreadsheet pulled from net banking is usually plain data so it can be sorted and imported; if Excel complains, that is more often a file-format warning than a password prompt. A PDF password never applies to an XLS, XLSX or CSV file.

Statements sent over WhatsApp

These often use a different formula from the same bank's net-banking download — commonly the last five digits of the registered mobile number followed by the date of birth as DDMMYY, so a number ending 98765 and a birth date of 15 August 1990 gives 98765150890. The message carrying the file states its own format, and that instruction beats any list.

Loan, demat and fintech card documents

Loan repayment schedules, demat and NSDL statements, and fintech card bills come from the lender, depository or card provider, not from your bank. Identify who issued the document before trying bank formats on it, and ask that issuer for a fresh copy if its own instruction fails.

If your bank publishes nothing

Co-operative, regional and small finance banks rarely document a password format anywhere public. We would rather name them than invent a rule on their behalf:

ADC Bank
Varachha Co-operative Bank
Gayatri Co-operative Urban Bank
Cosmos Bank
PDCC Bank
TJSB Sahakari Bank
Saraswat Bank
Tamilnad Mercantile Bank (TMB)
City Union Bank
Punjab & Sind Bank
Karur Vysya Bank
RBL Bank
Bandhan Bank
AU Small Finance Bank

For any of these, the covering email, SMS or WhatsApp caption is the only reliable source — it usually states the format, whether letters are capitals, and whether the date is DDMMYY or DDMMYYYY. If there is no instruction, call the number printed on your passbook or card and ask for the password format for that document and that delivery channel. A branch can also reissue the statement unencrypted or as a CSV.

Password didn't work? Try these

If the common passwords above don't work for your bank, try these alternatives in order.

1
Date of birth in DDMMYYYY
e.g. 15031990
2
Last 4 digits of account number
e.g. 7821
3
Full account number
Full 12-digit number
4
Customer ID from passbook
Printed on welcome letter
5
Call your bank's customer care
They can confirm the password format

Found the password and want a copy that opens without it? Use the free bank statement PDF unlock tool — it removes the password in your browser, nothing is uploaded.

Secure

Your PDF is deleted right after analysis — we don't keep it. Everything is encrypted in transit.

Private

We never sell or share your financial data. Anonymous uploads are deleted after 7 days.

Clear pricing

No hidden fees and no account needed. Your first upload is free, once, not every month.

Password protected bank statement FAQ

What is the most common bank statement PDF password?

For most Indian banks (SBI, ICICI, Axis, IndusInd, YES, PNB, Canara, etc.), the PDF password is your Date of Birth in DDMMYYYY format. For example, born 15 March 1990 → password 15031990. HDFC Bank uses Customer ID instead of DOB. South African banks like FNB use the last 4 digits of your ID + last 4 of your account number.

Which banks do NOT password-protect their statements?

Most US banks (Chase, Wells Fargo, Bank of America, Capital One, Citi) and UK banks (Barclays, HSBC, Lloyds, NatWest, Monzo) do NOT password-protect their PDF statements — they open directly. Indian and South African banks almost always use password protection.

I tried my DOB but can't open my Indian bank statement — what else can I try?

Try these in order: (1) DOB in DDMMYYYY format, (2) last 4 digits of your account number, (3) your full account number, (4) Customer ID from your passbook, (5) call your bank's customer care.

How does the in-browser PDF unlock tool work?

Our tool runs entirely in your browser. You upload the password-protected PDF, enter the password, and download an unlocked copy. Your file never leaves your device — it's processed 100% locally with no server upload.

Is it safe to remove a bank statement PDF password?

Yes — removing the password from your own bank statement for personal use is completely safe. Once unlocked, store the file securely.

Can I analyze my bank statement after unlocking it?

Yes. Once unlocked, upload the clean PDF to mybankstatementanalysis — AI categorizes every transaction in 30 seconds.

Something else on your mind? Write to contact@mybankstatementanalysis.com.

Try it on your own statement

Your first upload is free, with no account or card. If a paid report doesn't match your statement, you get your money back within 14 days.

Upload my statement