High Quality Bank Statements Analysis
ExactSum analyses complex bank statements using AI computer vision to flag transactions with unparalleled accuracy saving you hours of manual work
Trusted by lenders, brokers and accountants to read the statements that matter
80,000+
statement pages processed
99.4%
extraction accuracy
1+ hr
saved per analyst, every day
13
specialised analysis modules
Works with every major bank
Bank statements from these institutions processed daily with industry-leading accuracy and security.
- HSBC
- Barclays
- Lloyds
- NatWest
- Santander
- Virgin Money
- Bank of Scotland
- Starling
- Monzo
- Tide
- Wise Business
- Revolut Business
- ANNA
- Zempler
- Airwallex
- Payoneer
- Metro
- Handelsbanken
- Nationwide
- Stripe
- Halifax
- TSB
- Royal Bank of Scotland
- Ulster Bank
- Danske Bank
- The Co-operative Bank
- Clydesdale Bank
- Yorkshire Bank
- First Direct
- M&S Bank
- Coutts
- Chase UK
- Kroo
- Zopa
- Atom Bank
- Allica Bank
- Aldermore
- Shawbrook
- OakNorth
- Paragon Bank
- Cynergy Bank
- Unity Trust Bank
- Triodos
- Mettle
- Cashplus
- Tesco Bank
- Sainsbury's Bank
- Secure Trust Bank
- Bank of Ireland UK
- + many more
And every other bank: statements from any institution, in any format — digital, scanned or photographed — are processed the same way.
Secure, Fast, Streamlined
Request
Collect bank statements from your clients.
Upload
Securely upload bank statements and let ExactSum analyse them.
Review
Review the analysis covering: tax transactions, loan payments, director loans.
Approve
Once the analysis is reviewed, proceed with your decision.
Comprehensive solutions for every financial workflow
Lending
ExactSum provides lenders with comprehensive financial insights to make informed credit decisions. The Balance Analysis and Loan Analysis modules help assess borrower creditworthiness by examining cash flow patterns, existing debt obligations, and repayment capacity.
Overdraft Analysis reveals cash flow stress indicators, whilst Recurring Transactions identify stable income sources and existing financial commitments. Unpaid Transactions highlight payment reliability issues that could indicate credit risk.
Our advanced AI-powered analysis ensures you have all the critical information needed to make confident lending decisions whilst reducing manual review time.
Each module works together to provide a complete financial picture that reduces manual analysis time whilst improving accuracy and compliance across all these use cases.
What your analyst sees on every page
ExactSum pins its findings to the exact lines they came from, so every number in the analysis traces straight back to the statement.
| Date | Description | Out | In |
|---|---|---|---|
| 03 Jun | Card payment — Fuel Station | 82.40 | |
| 04 Jun | VAT payment — Tax Authority 1 | 4,120.00 | |
| 05 Jun | Returned DD — Insurance Ltd 2 | 214.80 | |
| 06 Jun | Faster Payment in — Client invoice | 6,250.00 | |
| 09 Jun | Loan repayment — Funding Co 3 | 1,890.00 | |
| 10 Jun | Transfer to J Smith (Director) 4 | 2,500.00 | |
| 11 Jun | Card payment — Software | 49.00 |
Tax payment
VAT paid to the tax authority — evidence of live trading and tax compliance.
Returned Direct Debit
Unpaid item flagged — insufficient funds on the day it was called.
Loan repayment
Existing lender commitment detected and sized automatically.
Director transfer
Movement between company and director accounts flagged for review.
Every statement is checked for tampering
Falsified statements are no longer easy to spot by eye. A document forensics engine now inspects every file ExactSum processes, from three independent angles.
File forensics
Who actually produced the PDF — banks' publishing systems leave very different fingerprints from Photoshop, Word or online editors — plus hidden edit traces.
Mathematical reconciliation
Every transaction is checked to the penny against the printed running balance and the statement's own summary. Fabricated numbers rarely add up.
Visual inspection
Fonts, alignment and rendering inside the figures — the tells left behind when an amount has been pasted over.
Verdicts, not scores
Each document gets a plain-English verdict — Normal, Warning or High Risk — with the specific findings spelled out.
In beta and already running on every document processed, while we tune false alarms towards zero against thousands of genuine statements.
Auto-Approve, Refer or Decline — before a human opens the file
Encode your underwriting rules once and ExactSum applies them to every completed analysis, so only the grey area lands on a desk.
| Outcome | What it means | What happens |
|---|---|---|
|
Auto-Approve
|
Every rule passed. | The case moves straight on, with the supporting evidence attached. |
|
Refer
|
One or more rules need human judgement. | Routed to an underwriter with the triggering rules highlighted. |
|
Decline
|
A hard rule failed. | Declined consistently, with the reason recorded for audit. |
Every rule passed.
The case moves straight on, with the supporting evidence attached.
One or more rules need human judgement.
Routed to an underwriter with the triggering rules highlighted.
A hard rule failed.
Declined consistently, with the reason recorded for audit.
Save 1+ Hour Daily - All-in-One Bank Statement Intelligence
ExactSum's comprehensive feature set handles all your bank statement processing needs out of the box. No training required.
13 Specialised Analysis Modules
Balance Analysis
Examine daily balance trends, averages, and net cash flow
Overdraft Analysis
Track overdraft usage, severity, and negative balance periods
HMRC Transactions
Track tax payments, VAT, PAYE, and Corporation Tax submissions
Director Transfers
Monitor money transfers between company and director accounts
Revenue Streams
Analyse incoming payments, identify top revenue sources, and track monthly trends
Cash Deposits
Identify cash credits paid into the account with monthly breakdowns
Salary & Wages
Track payroll costs, salary payments, and monthly wage bill
Rent Expenses
Identify rent and rental payments to track property costs
Direct Debit Analysis
Identify and group direct debit payments by payee with monthly totals
Loan Analysis
Track loan repayments and drawdowns, grouped by lender
Lender Flag
Flag counterparties with bidirectional money flow as potential loans or invoice finance
Recurring Transactions
Detect regular payment patterns with frequency classification
Unpaid / Returned
Identify bounced, rejected, and returned transactions
For the Consumer & Debt-Advice Side
Working with individuals rather than businesses? The same engine reads personal statements for the signals that matter in debt advice and consumer lending.
Gambling Activity
Detect betting sites, casinos and lottery spend, with amounts and frequency
SFS Reporting
Draft a Standard Financial Statement income & expenditure straight from the statement data
Affordability Write-Up
A factual affordability paragraph drafted from income, commitments and spending patterns
Additional Features
Multi-Statement Analysis
Analyse all bank statements from customers—even from different accounts—in bulk. Search by date, transaction type, description, amount, and more.
Interactive Transaction Charts
Click on chart elements to view detailed transaction information with balance trends, money flow breakdowns, and activity patterns.
Universal Processing
Process all bank statement types: digital downloads, CSV files, single scans, and multi-statement scans (hundreds of pages).
High Trust & Traceability
Every transaction and analysis is traceable to the original transaction on uploaded bank statements with connected transaction linking.
Complete Analysis Export
Download full analysis summaries in Excel format with separate sheets for each analysis module.
AI/OCR Extraction
Raw transaction data extracted by AI and OCR is available for further compliance verification and accuracy checks.
"By leveraging ExactSum, we are able to achieve significantly higher accuracy whilst saving up to 20 hours monthly per person on bank statement review that eliminates manual processing errors and accelerates decision-making"
Greg Smith
Operations Leader
Built to read
like a human at
100x speed
ExactSum's Mgentic system utilises both OCR and vision language models (VLM) for unmatched accuracy and reliability.
Traditional computer vision
ExactSum first uses layout-aware models to break down the document visually, capturing regions, tables, figures, and text.
VLMs make corrections
Like a human, our Mgentic model can detect minor mistakes and correct them, ensuring accuracy even in the most detailed cases.
VLMs review ExactSum's outputs
VLM then interpret each transaction and statement period in context, linking transactions to balances, understanding descriptions, and classifying transactions.
ExactSum links all transactions to source document
Like a human would, ExactSum Citations Logic is able to show source of every transaction back at the original bank statement PDF whether being a digital or low-quality scanned version of the bank statement.
Build ExactSum into your stack
The same analysis the app produces is available programmatically — and some of our tools are simply free.
REST API
Send a PDF, get structured JSON, CSV or Excel back. Every analysis module, available on paid plans with no integration project.
Explore the APICompany Structure Checker
A free tool that maps UK company ownership and director links from Companies House data — no account needed.
Try it freeIndustry leading security
Cyber Essentials Certified
ExactSum security practices and controls have been independently audited by experts.
Encryption
Data is encrypted in transit and at rest using the most secure algorithms available.
Zero Data Retention
Your data is never used to train AI models and is deleted permanently once you remove it.
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