§ 00 · SUMMARY

Free plan · 20 pages every month · no card required

Every transaction, from every source, understood.

Bring transactions in from statements, bank downloads, cloud folders, live bank connections or the API. Get back one ledger that proves its own arithmetic, dashboards that answer the questions you actually have, and delivery straight into your books.

example · chase-checking-aug-2026.pdf · 6 pages
IngestExtractStructureRecognizeCategorizeReconcileAnalyze
DATEMERCHANTCATEGORYAMOUNT
Aug 03AmazonPOS 1234 AMZN MKTP US*2X4B1 SEATTLE WAShopping−$84.12
Aug 04Blue Bottle CoffeeSQ *BLUE BOTTLE COFFEE OAKLAND CADining−$6.75
Aug 05Acme Corp payrollACH CREDIT ACME CORP PAYROLL 0805Salary+$4,250.00
Aug 07NetflixNETFLIX.COM 866-579-7172 CASubscription−$15.49
Aug 09Pacific Gas & ElectricPGANDE WEB ONLINE 0809 REF 88213Utilities−$132.40
Reconciled · 47 transactionsopening 3,120.55 → closing 6,981.19 ✓
PDFText PDFs IMGScans & photos PWDPassword-protected CSVBank downloads XLSXSpreadsheets OFXOFX, QFX, QBO, QIF CLOUDWatched folders BANKLive connections APIYour own systems
§ 01 · HOW IT WORKS

From a pile of statements to numbers you can defend

Three steps, and the middle one is the difference between BankStmt and a converter: the numbers have to prove themselves before you see them.

01

Bring it all in

Drop in a year of statements, point a cloud folder at us, connect a bank directly, or post from your own systems. Nothing to configure first. Upload returns at once and the work runs in the background while you carry on.

02

Watch it prove itself

Every statement is held to its own arithmetic before it counts. For the example above: opening 3,120.55 + credits 6,412.19 − debits 2,551.55 = closing 6,981.19, the bank's printed total and count match, and each of 47 running balances follows from the row before. Only then is it marked complete.

03

Fix what's flagged, deliver the rest

A row that doesn't add up is flagged red. Click it, see the line on the page, correct it, watch the flag count fall. Then send exactly what your filters select to Excel, your accounting package or your own system.

§ 02 · ASK YOUR MONEY

Ask a question. Get an answer you can check.

"Where did August go, and is anything unusual?" gets a plain-language answer with the figures behind it — and every figure was computed from your reconciled ledger, not guessed by a model. Ask what changed, what recurs, what looks wrong, what a month like this means for the next one.

Answers that cite their rowsEach answer lists the transactions it used, so you can go and look. Ask something that isn't about your money and it declines rather than improvises.
AI only where rules run outParsing and reconciliation are deterministic. The model steps in for the cases rules can't handle — a layout nobody has seen, a merchant hiding behind a cryptic code — and its work is checked like everything else.
§ 03 · KNOW WHERE IT WENT

Bank descriptions hide your spending. Your ledger shouldn't.

Nobody can read "POS 1234 AMZN MKTP US*2X4B1". You should not have to. Every line becomes the merchant you actually paid and the category it belongs in, so a month's spending reads like a month, not like a phone bill.

POS 1234 AMZN MKTP US*2X4B1 SEATTLE WA 04/12Amazon Shopping
SQ *BLUE BOTTLE COFFEE OAKLAND CABlue Bottle Coffee Dining
DD DOORDASH*CHIPOTLE 855-431-0459 CADoorDash Dining
TFL TRAVEL CH 0928 LONDON GBTransport for London Transport
APPLE.COM/BILL 866-712-7753 CAApple Subscription
§ 04 · TRUST

Trust the statement before you trust the numbers

Lenders, analysts and anyone signing off on figures need to know whether a statement is what it claims to be. BankStmt tests each one against itself and shows its working.

What a real failure looks likeA 16-page statement, 617 transactions, every one reconciled row by row against the running balance — and still marked incomplete, because the closing balance printed on page one is not where its own ledger ends. That is the statement disagreeing with itself, caught before anyone relied on it.
A score you can argue withEvery statement gets an integrity score out of 100. Each finding behind it — balances that don't run on, duplicated rows, clusters of round numbers, an unusual spread of leading digits, postings dated in the future — comes with a count and example rows, so the score is a starting point for review, not a verdict.

Every dashboard, on every plan including Free

Spending, income, cash flow, forecast, financial health, loan affordability, tax, business summary, investments and the review tools behind them all read from the same reconciled ledger — so they agree with each other, and with the statements. Pricing scales with pages, not with which screens you may open. The full list is in the docs.

§ 05 · FOR FIRMS

Close the client's month without chasing the client

The slow part of client statement work was never the reading. It is the missing March statement, the transfer nobody can explain, and the export you have to stand behind. Each one has a tool, and they hand off to each other.

Never hunt for a statement againOne screen shows, per client and account, which months are in, partial or missing for the period you are reporting. One click sends the client a link; they upload without an account, the files land in the right place, and reminders keep going until it is done.
Resolve every doubt in one queueBalance mismatches, possible duplicates, unmatched transfers, uncertain dates, uncategorised rows and ledger discrepancies arrive in a single review list. Ask the client about a row from the row itself; their answer and evidence come back attached to it, and your decision can become a standing rule.
Deliver something you can signImport the client's ledger and see exactly where bank and books disagree. When nothing is open, approve — the approval fingerprints the data it covers — and hand over one PDF or Excel pack: clean transactions, coverage, balances, reconciliation results and any item still unresolved, listed on the cover rather than buried.
§ 06 · WHO IT'S FOR

One ledger. Four reasons people come for it.

Everyone starts with the same reconciled ledger. What they do next is what differs.

Practice workflow

Accountants & bookkeepers

Finish a client's year without the back-and-forth: gaps found for you, doubts resolved in one place, and a handover you can sign. The firm tools.

Business reporting

Small businesses

Know your cash position, your fixed commitments and your indicative tax exposure across every account and currency — without building the spreadsheet every quarter.

Personal & household

Individuals & families

See every account in one place, in plain merchant names. Find the subscriptions you forgot. See what next month looks like if this one repeats — on the free plan.

Statement verification

Lenders & analysts

Know whether a statement is internally consistent before it goes into a decision, with income stability and affordability figures alongside — evidence to review, not a verdict to trust.

Developers — the same reconciled data, over a REST API with signed webhooks, on the Professional and Business plans. See Exports & API.

§ 07 · WHERE IT ENDS UP

It ends up where your work is, not in a downloads folder

Open formats only, nothing locked in, and the shortest path into whatever you already use.

Into your booksPush reconciled transactions straight into QuickBooks Online, Xero, Sage, FreshBooks, Wave, Zoho Books or Odoo, or into a Google Sheet or Excel Online — with a preview of what is new, what is already there and what still needs a decision. Connectors appear under Settings → Integrations as they are enabled for your workspace.
Into any file your accountant asks forExcel, CSV, QBO, OFX and eight more formats, on every plan. Accounting formats leave the statement's balance lines out automatically, so nothing posts twice. Every format, explained.
Into your own systemsOn Professional and Business, a REST API uploads statements and reads back reconciled transactions and summaries, and signed webhooks tell your system the moment a statement completes or fails.
QuickBooks OnlineXeroSageFreshBooksWaveZoho BooksOdooGoogle SheetsExcel OnlineGoogle DriveOneDrive · SharePointDropboxBoxSlackWebhooksREST API
§ 08 · SECURITY

Sensitive documents, handled like it

Bank statements are about as personal as data gets. Here is what happens to yours — practices, not badges.

Encrypted twiceTLS on the way in. Encrypted storage at rest, with a second layer of application-level AES-256-GCM on the most sensitive fields.
Nothing to leak twiceAPI keys are shown once and stored only as hashes. A statement password is used for that upload and never kept.
Only what you may seeEvery request is scoped to your workspace and, in a firm, to the clients that person has been granted.
Gone when you say soClear one statement, clear everything, or delete the account. Deletion runs immediately and takes the stored files with it.

Who did what, to which client's data, and when

Uploads, edits, exports, approvals and sign-ins are written to a separate audit store as they happen. A question from a client or a reviewer has an answer.

Priced like a converter. Built like a platform.

1,000 pages for $15No subscription needed, on any plan including Free.
Reconciled, or marked incompleteNever silently wrong. Other converters check the arithmetic sometimes, or never.
Integrity checks includedNot a higher tier, and not an add-on.
Limits pause, they never billNo overage charge has ever left this product.
§ 09 · PRICING

Simple, page-based pricing

Conversion, reconciliation, review tools and every export format are included on every plan. A paid tier buys a bigger monthly page allowance, unlimited accounts, more AI credits, the AI assistant, open-banking connections where available and priority support; the API is on Professional and Business. Need more pages in a busy month? Add a 1,000-page pack for $15 on any plan, including Free — pack pages count for the month you buy them and do not roll over. Prices in USD.

Free
$0forever
20 pages / month
1 account · 50 AI credits · unlimited storage
  • Every input format, incl. scans
  • Reconciliation, merchants, categories
  • Integrity checks, review queue, forecasts, tax, loan, investments
  • All twelve export formats
  • AI assistant
  • Priority support
Start free →
Starter
$200per year · $16.67 / mo
1,000 pages / month
2¢ per page · 2,000 AI credits · unlimited accounts
  • Everything in Free
  • Unlimited accounts
  • AI assistant
  • Priority support
Choose Starter →
MOST POPULAR
Professional
$500per year · $41.67 / mo
5,000 pages / month
1¢ per page · 8,000 AI credits · unlimited accounts
  • Everything in Starter
  • REST API & webhooks
  • AI assistant
  • Priority support
Choose Professional →
Business
$1,490per year · $124.17 / mo
10,000 pages / month
1.5¢ per page · 20,000 AI credits · unlimited accounts
  • Everything in Professional
  • REST API & webhooks
  • 20,000 AI credits a month
  • Priority support
Choose Business →

What counts as a page

PDF statementits actual page count
Spreadsheet or data file (CSV, XLSX, OFX, QIF, JSON…)1 page, however many rows
Scanned image or photo1 page
Exact re-upload of a statement already imported0 — rejected, pages refunded

If your bank offers a CSV download alongside the PDF, the CSV costs one page no matter how many transactions it holds. On Free's 20 pages, that's the difference between a couple of PDF statements and more than a year of them.

No surprises

Reaching a limit pauses uploads until next period, an upgrade, or a one-time 1,000-page pack for $15 (valid for the current month, no rollover). It never bills you automatically.
Unlimited statements and storage on every plan, Free included. AI credits cover the assistant and bulk re-categorisation; parsing, merchant naming and categorisation at upload time are not metered.
Annual billing is ten times the monthly price — two months free.
Cancel any time. See the refund policy.
Need more than 10,000 pages a month? Talk to us.
§ 10 · FAQ

Questions people ask before uploading

Which file types can I upload?

Text PDFs, scanned or photographed statements (JPG, PNG, WEBP, GIF), password-protected PDFs (you supply a one-time password that is never stored), CSV, TSV and other delimited text, Excel (XLSX, XLSM, XLS), OFX, QFX, QBO, QIF, JSON and HTML statements. Files up to 100 MB each, and large uploads resume if the connection drops.

Does it work with my bank?

BankStmt does not rely on per-bank templates. The first statement from a new bank builds a profile for that bank, country and account type automatically, and later statements reuse it. Every extraction is then reconciled against the statement's own printed balances, so if a layout did trip something up you see it as an incomplete statement with the failing check named, never as a silent error. If a statement fails, use Retry, or tell support which bank and period it covers.

How accurate is it?

The measure that matters is not whether the document looked correctly understood but whether the extracted transactions reconcile: opening plus credits minus debits must equal the printed closing balance, printed totals and counts must match, and every running balance must follow from the row before. A statement is only marked complete when all of that holds. When it does not, you can click any flagged row and see the exact line on the page it came from, fix it, and watch the count of unreconciled rows fall. Automated output can still be wrong, so review it before relying on it, particularly for filings or lending decisions.

What counts as a page, and what happens when I hit my limit?

A PDF costs its actual page count. A spreadsheet, data file or scanned image costs one page however many rows it holds. An exact re-upload of a statement you already imported is rejected and its pages refunded; a statement that partly overlaps an earlier one is metered normally, and the overlapping rows are quarantined instead of duplicated. When you reach your allowance, new uploads are held until the next billing period, until you upgrade, or until you add a one-time 1,000-page pack ($15, on every plan including Free) — reaching a limit never results in an automatic charge.

Can I get the data into QuickBooks, Xero or Google Sheets?

Yes. Export any filtered view to Excel, CSV, JSON, text, OFX, QBO, QFX, QIF, IIF, MT940, CAMT.053 or Tally XML on any plan. Connectors that push transactions directly into QuickBooks Online, Xero, Sage, FreshBooks, Wave, Zoho Books, Odoo, Google Sheets and Excel Online appear under Settings → Integrations as they are enabled for your workspace. On Professional and Business the same data is available over the REST API.

Can my clients send statements to me directly?

Yes. Create a document request for a client and bank account; they receive a link and upload from it without creating an account. Files land in that client's workspace and start processing at once, reminders go out until the request is complete, and you can ask the client about a specific transaction through the same portal.

Which languages and currencies are supported?

The interface is available in 18 languages, including English, Spanish, French, German, Italian, Portuguese, Dutch, Swedish, Polish, Turkish, Arabic, Hebrew, Hindi, Chinese (simplified and traditional), Japanese, Korean and Russian. Accounts can be in any currency; figures are never summed across currencies silently, and a display currency converts them at an indicative daily rate while the stored amounts stay untouched.

Upload your first statement in under a minute

Free plan, no card, 20 pages a month, every export format. Delete everything whenever you like.

§ 11 · INDEX