Bank statement analyzer
Drop in a statement file and see how its numbers behave: whether the running balance follows from its own rows, how many amounts are round, whether anything happens at a weekend.
This is not a fraud test. It reports how a set of transactions is distributed and says when that is unusual. Genuine statements trip these checks regularly and a careful forgery passes all of them, so nothing here is evidence of anything. The only reliable check is with the bank that issued the statement.
No sign-up needed. Files never leave your browser.
What it reads
A statement data file: a CSV, a spreadsheet, or an OFX-family file such as .ofx, .qfx or .qbo. It reads the transactions, not the document they were printed into.
That is a real limit rather than a temporary one, and worth being plain about: the statements people are most often suspicious of arrive as a document rather than as data, and this tool cannot open one. If that is what you have, the checks below are done by eye and they are better than anything on this page.
What to check by eye
The checks a lender actually relies on, none of which need software.
- Do the balances carry across pages? The closing balance on one page has to be the opening balance on the next. Statements assembled by hand frequently break this at a page boundary, because each page was made separately.
- Does the arithmetic hold? Opening balance, plus everything in, minus everything out, equals the closing balance. This is the single most useful thing you can do with a statement and it takes two minutes.
- Do the dates behave like dates? Card transactions post at weekends. Direct debits fall on the same day each month. A statement where activity is spread evenly across every day of the week has usually been generated rather than lived.
- Are the amounts too tidy? Everyday spending is set by prices, so it is full of odd pence. A statement of whole pounds and round hundreds describes an account that does almost nothing. Check that matches what you were told about it.
- Do the merchant names look real? Genuine descriptions are messy: truncated names, store numbers, card scheme prefixes, reference codes that differ every time. Tidy sentence-case descriptions are a sign of something typed rather than posted.
- Does the formatting hold throughout? Fonts, column alignment, date format and the number of decimal places should be identical on every line. An edited row very often is not, and it is the easiest thing to spot once you look for it.
- Ask the bank. Everything above narrows down whether to bother. Only the issuing bank can confirm a statement is theirs. For anything consequential, like a mortgage, a tenancy or a loan, that is the step that matters.
Why there is no generator here
People searching for these tools are looking for one of two opposite things. This site builds only the one that helps the person being shown a statement.
Producing a document that passes for a bank statement is fraud in every jurisdiction this site is read in, and there is no version of it worth building. If you need a statement you do not have, ask your bank, including for a closed account, where the records are usually still held for years afterwards.
Try it on the statement that’s annoying you right now.
No account, no card, no limit. If the layout isn’t recognised you will know immediately, rather than after a support ticket.