Sample report · no account needed
This is what your statement becomes
A real-shaped March statement and the exact report the converter produces — the same one you'd see after uploading your own file.
What the bank gives you
03/03 ACME PAYROLL LTD 830221 2,450.00 CR 4,754.11
07/03 SQ *BLUBTTL 0412 SAN FRANCISCO 11.50 4,680.31
09/03 NETFLIX.COM 866-579-7172 12.99 4,667.32
10/03 STRIPE PAYOUT ST-K9218X 380.00 CR 5,047.32
14/03 PAYPAL *STEAMGAMES 4029357733 19.99 4,903.34
16/03 J SMITH REFERENCE RENT SPLIT 250.00 CR 5,129.89
…and six more lines like these
↓ 3.8 seconds later ↓
Whole-statement analysis
Statement intelligence
march-statement.csv · 12 transactions · 92% identified · analysed in 3.8 s✓ Reconciled
- Bank
- Sample Bank
- Statement period
- 2026-03-01 → 2026-03-31
- Currency
- GBP£
- Opening balance
- 2304.11
- Closing balance
- 5117.90
money in
£3,080.00
deposits and incoming payments
on British Gas
−£89.00
your biggest merchant this statement
subscriptions detected
2
with cadence and next-charge estimates
charges worth reviewing
0
nothing suspicious stood out
£3,080.00 came in · £266.21 went out
| Merchant | Cadence | Amount | Per year | First seen | Next charge (est.) | Confidence |
|---|---|---|---|---|---|---|
| Netflix | monthly | £12.99 | £155.88 | 2025-11-09 | 2026-04-09 | 96% |
| Spotify | monthly | £11.99 | £143.88 | 2026-01-18 | 2026-04-18 | 94% |
Loading transactions…
In plain English
The short version — key numbers highlighted.
Money came in from three places — Acme Ltd salary (2,450.00), a Stripe payout (380.00) and a 250.00 rent split from J Smith — totalling 3,080.00 against 266.21 spent.
- Two subscriptions are active — Netflix (12.99/mo since Nov 2025) and Spotify (11.99/mo since Jan 2026) — together ≈ 299.76 a year.
- The balance never dropped below 2,304.11 and every figure reconciles against the statement's own opening and closing balances.
One click downloads this statement ready to import — merchants, categories and clean dates included.
Accounting software
Spreadsheets & data
- Search your email and payment apps for the exact amount (e.g. "11.99") — receipts and PayPal/Apple Pay history often use a different brand name than the statement.
- Ask others on the account. Family purchases and app-store buys are the most common "mystery" charges.
- Consider the innocent explanations: charges can post days — sometimes weeks — after the purchase (airlines, bars, hotels are notorious); small businesses often bill under their legal or holding-company name ("XYZ Holdings LLC" can be your local donut shop); companies that were acquired or renamed bill under the new owner's name; event tickets can bill under the venue, not the event; store-card purchases can show the card issuer's name instead of the store; vending machines and kiosks bill through payment companies; free trials convert to paid; annual renewals arrive a year after you signed up; promo credits or partial refunds can make an amount look unfamiliar; and a city or state you don't recognise is usually the company's registered address, not where the purchase happened.
- Contact the merchant first — the website and details above are there for exactly this. Merchants can refund or cancel faster than a bank dispute can.
- Still stuck? Ask your bank to look into it — but know the limits. Day-to-day, banks often see the same text you do; the formal inquiry/dispute process is what surfaces the merchant's full legal name. Note that banks often auto-refund small amounts without investigating, so a successful dispute is not proof the charge was fraud.
- Dispute only genuinely unauthorised charges. A chargeback on a legitimate charge you forgot costs the merchant real fees, can get your account closed by the bank, and can get you banned by the merchant.
- Tiny unknown charges are a special case — a few cents or dollars from an unrecognised merchant can be card testing. If so, ask your bank to replace the card, don't just dispute the charge.
Your statement stays private
No bank login, ever
You upload a file — we never ask for your online-banking credentials.
Card numbers redacted
Account and card numbers are masked before anything is stored.
Only you can see it
Your statements are private to your account — no one else can open them.
Deleted on a timer
The original file is deleted within 24 hours, automatically.
StatementDecoder provides informational matches and may be incorrect. Contact your bank immediately if you suspect an unauthorised transaction. Your original file is deleted within 24 hours; this analysis stays in your dashboard for your plan's retention period, and you can delete it anytime from My statements.
Your statement, in your tools, in seconds
First page free, no card needed, original file deleted within 24 hours.