Convert Bank Statements to Excel, CSV & JSON — Instantly

BankStatementFlow's AI extraction is highly accurate on typical bank, credit-card, and invoice statements, reliably capturing dates, descriptions, amounts, and running balances even across multi-page documents and different bank layouts. It is a large language model trained on anonymized and synthetic financial data, and it keeps improving over time. Accuracy depends partly on input quality — a clean digital PDF reads more precisely than a low-resolution phone photo — so the AI automatically enhances scanned and photographed pages before reading them. You are never locked into that first pass, either: every extracted row can be reviewed and corrected in the built-in editor before you export, and checking the output against your original document usually takes only a few seconds per page. That review step means your final Excel, CSV, or JSON file reflects exactly what you approve.

Yes — security is built into every step, which matters when you are uploading sensitive financial documents. Files are encrypted both in transit (TLS) and at rest (AES-256), and all processing runs on secured servers. Your original uploaded file is deleted immediately after processing finishes; only the extracted data is retained, and only for the retention window set on your account — 90 days by default, adjustable anywhere from 1 to 365 days — after which it is permanently and irreversibly deleted. BankStatementFlow never trains its AI models on your uploaded documents; model training uses only anonymized and synthetic data. Uploads are private to the account that submits them, and any custom AI instructions you provide are sanitized server-side. If you need shorter retention or specific compliance terms, the Corporate and Custom plans let you tighten these controls further.

BankStatementFlow accepts PDF, JPG, JPEG, and PNG files, covering both digital and image-based documents. That includes native text PDFs exported from online banking, scanned PDFs, phone photos, screenshots, and multi-page files — you can upload a whole statement at once, and password-protected PDFs are supported by entering the password at upload. On the output side you can export to Excel (.xlsx), CSV, JSON, or XML, and signed-in users can also export QuickBooks-CSV and Xero-ready layouts for direct import into their accounting software. For scanned pages and photos, the AI automatically optimizes image quality — correcting angle, contrast, and resolution — before it reads the document, so you do not need a dedicated scanner to get clean, structured results.

Most single statements finish in about 30–60 seconds from upload to downloadable data. Larger or multi-page documents — a long quarterly statement, or a batch of files — may take two to three minutes, since each page is read and structured individually. You will see a live progress indicator while the AI works, and you can keep using the rest of the app or queue more documents instead of waiting. Processing time also depends a little on input type: clean digital PDFs are fastest, while high-resolution scans and phone photos take slightly longer because the AI enhances the image first. If you regularly process large volumes, the higher-tier plans raise your monthly page allowance so you can run bigger batches without interruption.

Custom AI Instructions let you teach BankStatementFlow your own extraction and formatting rules instead of accepting a generic output. You can tell the AI which fields to pull, how to categorize transactions, which output columns you want, and what validation checks to run on every document — and it applies those rules consistently across every file you process. This is ideal for teams that need output to match an existing chart of accounts, a proprietary document template, or internal approval thresholds, so the data lands in your spreadsheet ready to use instead of needing manual clean-up. Custom AI Instructions are available on the Corporate plan, and the Custom/enterprise plan adds further tailoring such as bespoke integrations and white-label options. The examples below show a few common ways teams put it to work.

Want to see how Custom AI Instructions would work for your setup? Get in touch with our sales team — we'll help you configure everything.

Yes. If your bank statement PDF is password-protected, just enter the password in the upload dialog and BankStatementFlow unlocks it securely for processing. The password is used only to decrypt that single file for that single extraction — it is never stored, logged, or attached to your account, and your original encrypted file stays protected. Many banks deliver statements as encrypted PDFs, so this means you do not have to strip the protection yourself in a separate tool first. As with every upload, the original file is deleted right after processing and only the data you export is retained, under your account's retention setting. If a file fails to unlock, you will be prompted to re-check the password and try again.

Absolutely — you do not need a scanner. Snap a photo of a paper statement with your phone, take a screenshot of an online banking page, or upload any image of a document, and BankStatementFlow's AI-OCR handles the rest. It automatically cleans up image quality, corrects skew and rotation, and compensates for uneven lighting before reading the page, then extracts the transactions, dates, amounts, and balances just as it would from a digital PDF. JPG, JPEG, and PNG images are all supported, including multi-page captures. Results are best with a clear, well-lit, in-focus image, but the AI is built to cope with the kind of quick phone photos people actually take. As always, you can review and correct every extracted row in the editor before exporting to Excel, CSV, or JSON.

Yes. BankStatementFlow offers a REST API (under /api/v1) so you can automate document processing inside your own product or back-office workflow instead of using the web app by hand. You can submit a document as base64 JSON or a multipart file upload, poll for processing status and results, and export the structured output as CSV, XLSX, JSON, or XML. The API also supports detection types (auto, custom, QuickBooks, or Xero layouts) and webhook callbacks, so your system is notified the moment a document finishes. Authentication uses an API key (prefixed bsc_) passed as a Bearer token, an X-API-Key header, or an api_key query parameter. API access is included on the paid plans, and full documentation with authentication details and code examples is available on the API docs page.

Your original uploaded file is deleted as soon as processing completes — BankStatementFlow does not keep the source document. The extracted data is retained so you can re-download results, review your history, or re-export to a different format, but only for the retention period set on your account. By default that is 90 days, and you can adjust it anywhere from 1 to 365 days in your settings; shorter windows suit privacy-sensitive workflows, while longer ones suit teams that revisit past statements. When the retention period elapses, the stored data is permanently and irreversibly deleted. You can also delete individual uploads or their extracted data manually at any time, and AI models are never trained on your documents.

Yes. You can upload several files at the same time — drag and drop an entire batch onto the uploader — and BankStatementFlow processes them in parallel rather than one after another, so a stack of statements finishes far faster than handling each by hand. Each document is extracted independently, and you can download the results individually or as a single combined file, which is handy when you are consolidating a month or quarter of statements for bookkeeping. How many pages you can process is governed by your plan's monthly page allowance (one credit equals one page, and each image counts as one page), and higher tiers raise that allowance for high-volume work. For fully automated bulk processing, the REST API lets you submit documents programmatically.