Changelog

• Improved Date accuracy: The day/month order is now worked out from the statement as a whole, so ambiguous dates and US-style month-first statements are read correctly, and transaction years are kept within the statement period
• Improved Money in/out accuracy: Where a statement prints a running balance, it's used to catch and correct the occasional money-in vs money-out mix-up or misread amount
• New Cash P&L multi-currency: Statements holding more than one currency (e.g. Wise, Revolut) now show a currency switcher, with figures never mixed across currencies and a separate set of Excel sheets per currency
• New Cash P&L number formatting: Show figures as exact pence, whole pounds, thousands (k) or millions (m), with a sensible default for the size of the numbers
• Improved Cash P&L savings pots: Money moved to and from savings pots and sub-accounts (e.g. Monzo Pots) is now treated as an internal transfer, so it no longer inflates income or expenses or upsets the balance reconciliation
• Improved Excel downloads: The Excel option now produces a true .xlsx workbook, and the download dialog shows the real file name
• Improved Documents list: Completed documents now show their page count

• New Cash P&L: A new page that rolls up a project's transactions into a month-by-month Cash P&L — income, new borrowing, debt interest and repayments, director transfers, HMRC (VAT, PAYE/NIC, CT), payroll, rent and other operating expenses — with net cash movement and per-month opening/closing balance reconciliation
• New Drill-down: Click any line or monthly figure to see the exact transactions behind it
• New Lender counterparties: Payments to banks and lenders are grouped by counterparty so declared lenders can be cross-checked against actual bank activity
• New Excel export: Download the full statement, lender list and classified transactions matching the on-screen view

• New Page Packs: Top up with extra pages whenever you need them — 100, 500 or 1,000 — on top of your monthly allowance. They never expire and roll over month to month, so nothing is wasted
• New Automatic top-up: Once your monthly pages are used, conversions keep running against your page-pack balance with no interruption — including over the API
• New Buy in a click: Purchase packs and see your wallet balance any time under Settings → Your Plan

• Improved Salary & Wages: Recurring wage payments are now matched across the whole statement, even in months where the bank drops the "salary" label — giving an accurate months-covered count and average monthly wage bill
• Improved Revenue Streams: Income sources that differ only by a payment reference are now grouped into a single payer, so top revenue sources reflect real counterparties instead of dozens of one-off rows
• Improved Rent Expenses: Rent payees are now grouped by recipient even when the reference number varies between payments
• Improved Recurring Payments & Lender Flag: Better counterparty matching catches recurring payments and dual-direction lenders that vary by reference
• Improved Reference Cleanup: Grouping now handles OCR-split references, with a "provisional grouping" note shown whenever similar names are merged
• Improved Unpaid Items: Added the "Reversal" keyword, a per-row flag column, and a breakdown by type so returned and reversed transactions are easier to spot
• Improved Cleaner Metrics: Whole-number figures like Days Covered now display without trailing decimals, and the analysis view has a tidier header

• New Decisioning & Products: Define lending products with their own rule sets, run statements through an underwriting decision engine with cover-ratio and affordability checks, and export the results
• New Signals Dashboard: An at-a-glance grid of risk and affordability signals on the analysis page for decisioning teams
• New Company Structure Checker: Look up a company to visualise its ownership and group structure, including persons with significant control
• New Statement Terminal: A focused workspace for reviewing and working through statements, available to enabled organisations

• New Lender Flag Analyzer: Flags dual-direction counterparties that may indicate loans or invoice finance
• Improved Direct Debits: Provisional payee grouping merges direct debits to the same recipient even when the reference number differs
• Improved Director Transfers: Now matches sole trader and shareholder names, not just registered directors
• Improved Overdraft Analysis: Transactions now sort chronologically instead of by balance
• Fixed Multi-File Analysis: Fixed the Sources panel squeezing or hiding sections when several files were selected
• Fixed Statement Parsing: Skip accounting-software reconciliation pages (Xero, Sage, etc.) so they no longer pollute the transaction list

• New Cash Deposits Analyzer: Identify cash credit transactions across bank statements
• New Post: "How to Set Up Organisations" - guide to team accounts, invites, and pooled usage
• Improved Stripe Billing: Payment links now collect billing address and tax ID
• Fixed Decision Engine: Show proper sales message instead of generic error when no ruleset found

• New Multi-File Analysis Downloads: Download Excel and PDF analysis reports across multiple files with gap detection
• New Analyzer Help Modals: In-app help text for all analyzers explaining what each one does
• New File Selection Filtering: Choose specific files to include in analysis
• Improved Balance Reconciliation: Handle both chronological orderings, raised threshold, added amber warnings for partial matches
• Improved PDF Reports: Fixed dark-mode text, updated report naming and cover layout
• Fixed HSBC Parsing: Fixed credit/debit column swap on HSBC statements
• Fixed Header Cropping: Fixed header strip crop leaking first transaction into composited pages
• Fixed Analysis Page: Fixed "Failed to load files" caused by missing script include

• New Organisations: Team accounts with invite-based onboarding, role-based access (owner/admin/member), and pooled usage
• New ExactSum Brand: Dedicated ExactSum branding with logo, favicon, and branded registration
• New Decision Engine: Organisation-level decision engine with configurable underwriting rules
• New Per-Org Analyzers: Owner-configurable analyzer list per organisation
• New Organisation Admin: Dedicated admin detail page with member usage stats and reconciliation tracking
• Improved Invite System: Token-based email invites with 45-day expiry, revoke, and re-invite
• Fixed Org Quotas: Fixed org quota not applying for admin-created organisations
• Fixed Analysis Export: Fixed XLSX corruption and added All Transactions tab

• New Post: "382 Pages, 3,730 Transactions: Our Biggest Statement Yet" - how we handled a record-breaking upload
• New Admin: Click any user email to view all their processed documents
• Fixed Admin: Document pagination no longer shows empty pages

• New Post: "Convert Santander Bank Statements" - marketing noise, fee tables, missing balances, ordinal dates
• New Post: "Convert Chase Bank Statements" - separate credit/debit sections, no running balances, blank pages
• New Post: "Convert Bank of America Statements" - two-column summaries, ambiguous amounts, embedded dispute forms
• New Post: "Convert Wells Fargo Bank Statements" - empty first page, daily balances, totals rows
• New Post: "Convert Airwallex Statements" - multi-currency sections, currency suffixes, variable statement periods
• New Post: "Convert First Capital Bank of Texas Statements" - community bank quirks, fragmented transaction sections

• New API: Public REST API for programmatic bank statement conversion
• New API Keys: Generate and manage API keys from your Settings page
• New API Docs: Full documentation with examples and Postman collection
• New Help Centre: New dedicated help section with guides and tutorials
• New Guide: "How to Upgrade or Downgrade Your Plan" - manage your subscription via Stripe billing portal

• New Blog: Launched UK Bank Statements Blog with behind-the-scenes content
• New Post: "Why I Created UK Statement Converter" - the ExactSum origin story
• New Post: "Convert HSBC Bank Statements" - mainframe-era PDFs, the D suffix, and missing running balances
• New Post: "Convert Starling Bank Statements" - landscape mode, disappearing headers, and document context
• New Post: "Parsing Revolut Bank Statements" - multi-currency PDFs, reverse chronological order
• New Post: "Convert Barclays Bank Statements" - missing years, disappearing dates, balance rows

• New Use Case Pages: Dedicated landing pages for Accountants, Bookkeepers, Lenders, Self Assessment, and Small Business
• New Affiliate Programme: Earn recurring commission by referring customers
• New Support Page: Centralised help and contact information
• New Alternatives Page: Compare UK Statement Converter with other tools

• New Live Payments: Stripe integration now in live mode - accept real payments
• New Billing Portal: Manage your subscription, update payment method, or cancel anytime
• Improved Usage Tracking: Page counter now resets with your billing cycle, not calendar month
• Improved Plan Changes: Upgrades take effect immediately, downgrades at end of billing period
• Improved Email Notifications: Receipts, renewal reminders, and failed payment alerts

• New Email/Password Login: Create an account with email and password, no Google required
• New Referral Program: Invite friends and earn bonus credits when they sign up
• New Bank-specific Sites: Dedicated domains for Barclays, HSBC, Lloyds, NatWest, and Santander statements
• New Stripe Billing: Subscribe to Professional, Business, or Enterprise plans
• New OG Images: Better social sharing previews when sharing links
• Improved Plan Limits: Aligned quotas with pricing page, added Enterprise tier
• Fixed Quota Display: Index page now shows correct page limits
• Fixed Toast Notifications: Moved to top center for better visibility

UK Statement Converter is Live!

We're excited to launch UK Statement Converter, the fastest way to convert UK bank statement PDFs to Excel and CSV formats.

• New Multi-bank support: Barclays, HSBC, Lloyds, NatWest, Santander, Monzo, Starling, and more
• New Excel & CSV export: Download in your preferred format
• New Batch processing: Upload multiple statements at once
• New Auto-categorisation: Transactions automatically categorised
• New Automatic file deletion: Uploaded files removed within 24 hours
• New Free tier: 3 free pages per day for registered users

• New Reconciliation Results: Surfaces transaction reconciliation outcomes and auto-corrects high-confidence direction errors
• Improved Bank Coverage: Added support for more bank statement formats, including NatWest and Barclays

• New Balance Checker: Verifies that statement balances reconcile correctly, flags transactions for review, and emails you when checks complete
• New Revenue Analysis: Identifies a business's top revenue streams
• New API Keys: Generate and manage API keys to access your data programmatically
• Improved Loan Detection: Added more lenders to loan analysis
• Improved Organisation Settings: Edit your organisation name from the settings page
• Improved Analysis Layout: Analysis sections grouped into clearer logical sections

• New Cashflow Charts: A visual cash flow view that separates true operating cash flow from loans and owner transactions
• New Salary & Rent Analysis: Automatically detects monthly wage and rent costs and charts them over time
• Improved Account Sources: Each file and transaction shows which bank account it belongs to, so you can group by account at a glance
• Improved Currency Formatting: Amounts display with thousand separators and negatives shown with a minus sign

• New Business Information Check: Compares the company details on a bank statement against Companies House records and flags matches and discrepancies
• New Company Director Lookup: Look up a company's officers and their roles via Companies House, right on the analysis page
• New Director & Loan Analysis: Identifies director transfers, loan activity, recurring payments, direct debits, and unpaid items
• New Balance & Overdraft Analysis: Calculates average daily balance, balance swings, and overdraft usage across statements
• New Usage Dashboard: Track how much your team has processed, broken down by file
• New Multi-File Processing: Analyse several statements together in one project

Where it all began

The earliest version of what became UK Statement Converter — a workspace for uploading and analysing bank statements.

• New Statement Vault & Uploads: Upload bank statement PDFs into projects, with batch uploads of up to 30 files
• New Transaction Search: Search across extracted transactions, with in-app guidance on how it works
• New Excel Export: Export transactions and analysis results to Excel
• New Source Citations: Every analysed figure links back to the exact place in the original statement it came from
• New Team Accounts: Team invitations and shared accounts