Free. No signup.
Up to 10 MB. Processed in your browser or securely in the EU, never stored.
What happens to your data
- No account or signup
- Read on your device
- Never stored
- No account, no signup, nothing to remember.
- CSV files are read entirely in your browser. They never leave your device.
- For PDFs, only the extracted text is processed securely in the EU, in memory, then discarded. The file itself stays with you.
- We never store your statement or your transactions.
Bank AI's statement analyzer is a free, no-signup web tool that reads a bank statement and shows where your money actually goes. Upload a PDF or CSV from any EU bank and instantly see total money in and out, your top spending categories, your most-visited merchant, the subscriptions quietly draining your account, and a Wrapped-style money personality. CSV files are analyzed entirely in your browser; PDF text is processed securely in the EU and never stored.
How it works
- 01
Upload your statement
Drag in a PDF or CSV export from your bank. No account, no signup, up to 10 MB.
- 02
See where your money goes
Get categorized spending, top merchants, subscriptions and your money personality in seconds, in your own currency.
- 03
Make it live in the app
Download Bank AI and connect your bank to turn this frozen one-month snapshot into automatic, always-organized money.
What you'll discover
Where your money really goes
Every transaction sorted into Bank AI's spending categories and ranked by how much you spent.
Subscriptions you forgot about
Recurring charges detected automatically, with an estimated yearly cost.
Your most-visited merchant
The place you paid most often, counted across the whole statement.
Your money personality
A Wrapped-style archetype based on how you actually spend, not how you think you do.
A shareable card
A clean image of your results that carries no amounts and no personal data.
Bank statement analyzer: common questions
Is the Bank AI statement analyzer free?
Yes. It is completely free, with no account and no signup. Upload a statement and see your insights instantly.
Do I need to create an account?
No. The tool works with no signup and no login, and there is nothing to install to use it on the web.
Is it safe to upload my bank statement?
Yes. CSV files are read entirely in your browser and never leave your device. For PDFs, only the extracted text is processed securely in the EU, in memory, then discarded. Your statement and transactions are never stored.
What file formats can I upload?
PDF and CSV bank statement exports, up to 10 MB. Most EU banks let you export either format from online or mobile banking.
What does the analyzer show me?
It categorizes your transactions, totals your money in and out, finds your top spending categories and most-visited merchant, detects recurring subscriptions with an estimated yearly cost, and assigns a money personality.
Which banks and countries are supported?
It works with statements from banks across the EU, including Germany, Italy, France, Spain, Belgium, Portugal, Luxembourg, the Netherlands and the Czech Republic, and it handles European date and number formats automatically.
How is this different from the Bank AI app?
This tool is a one-time snapshot of a single statement. The Bank AI app connects to your bank and keeps your money organized automatically and on an ongoing basis.
Does my data get stored or shared?
No. Your statement and transactions are never stored or shared. Only an anonymous spending summary is used to generate the optional shareable cards, and even that is not kept.