# Bank Statement Analysis > Analyze PDF bank statements with AI. Categorize transactions, find recurring charges and fees, spot duplicates, and summarize cash flow with page-cited answers. Analyze bank statements to categorize spending and spot hidden fees. Use it free in your browser: https://fynepdf.com/ai/agents/bank-statement-analysis - Spending & Subscription Insights ## Automate Your Financial Review in 3 Steps Review transactions, spending categories, and recurring charges from your statement. 1. **Upload**: Drop in your PDF statements, up to 15MB free and 250MB on Premium plans. 2. **AI Extraction**: The agent reads the tables, identifies merchants and sorts them into categories. 3. **Review & Optimize**: Chat with your financial data, download it as a .txt file, or save the session. ## AI Bank Statement Review Ask about spending, fees, and recurring payments. Analyze a PDF bank statement with questions about transactions, subscriptions, and spending categories. Check the original figures through page citations and export tables from AI answers for your spreadsheet. - **Find Recurring Charges**: Review subscriptions and statement fees. - **Categorize Spending**: Group transactions by expense category. - **Keep Your Review**: Save the chat or download it as text. ## Understand your statement with AI. Review spending, question unusual charges, and check the figures in your PDF. - **Expense Categories**: Group bank statement transactions by spending category. Ask about travel, meals, or software costs and review the totals in context. - **Unusual Charges**: Look for duplicate payments, recurring fees, or large transactions. Ask the AI to explain a charge and verify it in your bank statement. - **Check the Figures**: Follow page citations back to your bank statement. Review the original amounts, dates, and transaction details before using an answer. - **Explain, Summarize, Ask**: Select text in your PDF to explain a term, summarize a passage, or ask a question. Explore the detail you need without retyping it into chat. - **Highlighted Sources**: Click a page citation to open your PDF at the source. When a text match is found, the passage is highlighted so you can check the AI answer. - **Export Tables as CSV**: Download tables from AI answers as CSV files. Keep the rows and columns ready for Excel, Google Sheets, or your next document analysis. ## Built for Financial Workflows Review transactions, spending categories, and recurring charges in your bank statement. - **Freelancers**: Group business expenses from your bank statement and review recurring charges. Export AI tables as CSV to prepare your bookkeeping records. - **Small Business Owners**: Find vendor payments and review monthly spending in your bank statement. Ask about cash flow and check the source before using a figure. - **Accountants & Bookkeepers**: Extract transaction details into a table for reconciliation. Download the CSV and check amounts, dates, and categories against the PDF. ## Document Privacy How your files are handled during and after your session. - **No AI Training**: Your documents are used for your session and are never used to train AI models. - **Encrypted Transfers**: TLS protects document transfers between your browser and FynePDF. - **Auto-Deletion**: Your file is deleted within 24 hours of upload, unless you save it to your Library. - **Privacy Policy**: Read how we handle document data and how to contact us about access, export, or deletion. Your statement is processed to explain the transactions and figures you ask about. FynePDF staff do not manually open or review your file contents. AI features may send document content to the Google Gemini API to produce the output you request. Documents are not used to train AI models. Temporary files follow the deletion policy; saved documents follow the Library storage policy. ## Frequently asked questions ### Does it work with scanned or photo-based statements? Yes, automatically. OCR runs on every upload, so a statement you scanned or photographed is read exactly the same way a digital one is, no separate step, no setting to turn on. Accuracy still depends on the scan: a clean 300 DPI scan of a printed statement is read reliably, a blurred or angled phone photo less so. If a statement comes back with obvious gaps, straightening it with Rotate PDF or rescanning at a higher resolution fixes most of it. ### Can I save my analysis or export the results? Three ways. Use the Copy button to put an individual answer on your clipboard, or download the full session transcript as a .txt file, both work on the free plan. Saving a session to your personal Library so you can reopen the chat later is included with Professional and Premium. ### Which bank formats are supported? The agent is format-agnostic, it reads the structure of the statement rather than matching it against a template, so it isn't limited to a fixed list of institutions. Statements from Chase, Bank of America, Wells Fargo, Amex, Capital One and international banks all work, along with credit card bills, PayPal and Stripe statements, and exports from most accounting software. If a statement is laid out unusually, ask the agent what it found on a given page and correct it in the chat. ### Can I use Bank Statement Analysis for free? Yes. Read a document overview without signing in, then try one AI answer by typing a question, choosing a suggestion, or running the analysis. Each new upload gets one answer, shared across tools and agents. A paid plan unlocks further interactions within its AI allowance. ### How secure are my files and data? File transfers use TLS encryption. AI features may send document content to the Google Gemini API to generate the output you request. Documents are not used to train AI models. Temporary AI files are deleted within 24 hours of upload; files saved to your Library follow the Library storage policy. Read the Privacy Policy for details. ### Is it safe to upload a bank statement to an AI tool? File transfers use TLS encryption. AI features may send document content to the Google Gemini API to generate the output you request. Documents are not used to train AI models. Temporary AI files are deleted within 24 hours of upload; files saved to your Library follow the Library storage policy. Read the Privacy Policy for details. ### Can it export my transactions to Excel or CSV? When an AI answer includes a table, download it as CSV for Excel or Google Sheets. Ask for the transaction details you need, then check the rows and amounts against your statement. You can also download the conversation as plain text, or use PDF to Excel to convert the PDF tables into an .xlsx file. ### How do I find recurring subscriptions in my bank statement? Upload the statement and ask directly, "list every recurring charge" or "which merchants bill me monthly." The agent looks for repeated charges from the same merchant at regular intervals, including monthly, annual and less obvious biweekly patterns, and reports each with its amount and page reference. It's most useful across two or three consecutive months; annual renewals and quarterly fees won't show a pattern inside a single statement. Since each session takes one file, run each month separately and compare. ### How do I know the numbers it gives me are right? Every answer cites the page it came from, so any figure can be checked against the original statement in a couple of seconds. The agent is also instructed to answer only from the document in front of it, it won't fill a gap with an estimate or a plausible-looking number. For anything you'll file or submit, spot-check the totals against the statement's own summary line; that catches the rare parsing error immediately. ### How large a statement can the agent handle? Free supports files up to 15MB and 50 pages, Professional up to 100MB and 2,000 pages, and Premium up to 250MB and 3,000 pages. The shared AI processing allowance is 15MB per day on Free, 2.5GB per month on Professional, and 5GB per month on Premium. Free includes document overviews plus one AI answer per document across tools and agents. Uploads also follow your task limits. --- Open this page in a browser: https://fynepdf.com/ai/agents/bank-statement-analysis More: [All tools](https://fynepdf.com/tools) · [AI agents](https://fynepdf.com/ai/agents) · [llms.txt](https://fynepdf.com/llms.txt) · [Sitemap](https://fynepdf.com/sitemap.xml)