Bankflow

Bankflow turns the financial documents you already have into clean, categorized data. There is no bank account to link and no credentials to hand over. You upload a statement, an invoice or a receipt, forward it to your private import address, or drop it in a watched cloud folder, and what it contains comes back structured in seconds.

Bank statements come back as transactions with dates, descriptions, amounts and running balances. Invoices and receipts come back as vendor, date, line items, tax and totals, from a PDF or a photo taken on your phone. It reads the files that usually break converters: scanned and rotated pages, multi-column layouts, watermarked and password-protected PDFs, and hundred-page exports. You never pick a template or map a field.

Every statement is checked against itself. The balances have to close against the transactions, the opening balance has to meet last period's closing, and every row has to trace to text that is on the page. The report names the check that failed, and anything uncertain is flagged for review instead of quietly guessed. Upload the same statement twice and Bankflow catches it instead of doubling your totals.

From there it categorizes each transaction, groups spending by merchant, and learns from your corrections, so the second month takes less work than the first. You get spending by category and month, the subscriptions you are paying for and when they renew, how long your balance lasts at your current rate, and alerts when a charge is duplicated, a subscription price rises or the balance runs low. Selected statements can also be audited for lending risk, with a dated report covering liquidity, income, obligations and distress signals.

Your data stays yours and stays portable. Export transactions to CSV, Excel, JSON, OFX, QBO, QFX, QIF, IIF, or the import file Xero, Sage, MYOB or NetSuite expects. Set up a workflow and the file is parsed and delivered onward on its own, to a drive or a webhook.