The statement decoder
What is this charge on my bank statement?
Paste the description exactly as it appears. We analyse processor prefixes, merchant aliases, locations and trusted public sources to identify the most likely merchant — with the evidence to back it up.
Whole statements
Or upload your statement and see everything at once
Every transaction identified in one pass — subscriptions, recurring charges, fees and anything worth a second look.
Upload a statementCSV, Excel, OFX/QFX, PDF · original deleted within 24 h
↑ 38%
How spend at each merchant changed since last month.
Every 31 days
Subscriptions with the next likely charge date and yearly cost.
Review list
Duplicates, trials converting, price rises, card-testing patterns.
Under the hood
How identification works
- 1 —
Normalise
We clean the descriptor and pull out its parts — prefixes, store numbers, phone numbers, locations.
- 2 —
Detect the processor
Prefixes like SQ*, TST* or PAYPAL* reveal who processed the payment — often not who you actually paid.
- 3 —
Match the merchant
Verified descriptor mappings, merchant aliases and abbreviations — then AI and live web research when the database can't answer.
- 4 —
Weigh the evidence
Every conclusion gets a confidence score and a plain-English explanation. When evidence is weak, we say so.
We never present guesses as facts. Results come back as likely merchant, possible match or we could not verify this merchant — each with a confidence level and the evidence behind it.
Start anywhere
Convert by bank
Convert a statement from any bank
Turn a PDF, CSV or Excel statement from any bank or money app into clean CSV, Excel, QuickBooks, Xero, QIF or OFX — with every merchant identified and subscriptions and fees flagged. Pick your bank, or browse the full worldwide directory.
- Chase statements
- Bank of America statements
- Wells Fargo statements
- Capital One statements
- American Express statements
- Citibank statements
- Barclays statements
- HSBC statements
- Lloyds statements
- NatWest statements
- Monzo statements
- Revolut statements
- Wise statements
- Starling statements
- Chime statements
- Cash App statements
Questions
Frequently asked questions
What is this charge on my bank statement?
Bank statements show a cryptic descriptor — often the payment processor (SQ*, TST*, PAYPAL*) rather than the shop you actually bought from. Paste the exact line into StatementDecoder and we identify the most likely merchant using processor prefixes, descriptor databases, merchant aliases and, when needed, AI and live web research — each answer with a confidence level and the evidence behind it.
Can I analyse my whole statement at once?
Yes. Upload a statement (PDF, CSV, Excel, OFX/QFX or a photo) and every transaction is identified in one pass, with subscriptions, recurring charges, duplicates, price rises and bank fees flagged automatically — plus a plain-English summary.
Which banks and formats are supported?
Over 5,000 banks and money apps worldwide — Chase, Bank of America, Barclays, HSBC, Revolut, Wise, Monzo and thousands more. Statements can be PDF, CSV, Excel, OFX/QFX or scanned images, and you can export clean CSV, Excel, QuickBooks (QBO), Xero, QIF, OFX or JSON.
Is it safe to upload my bank statement?
Yes. We never ask for your bank login, card and account numbers are redacted before anything is stored, the original file is deleted within 24 hours, and analysed reports stay in your dashboard only for your plan's retention period. We provide informational matches, never financial advice.
Is StatementDecoder free?
Single-charge lookups are free, and a free account converts one statement page every 24 hours. Paid Pro and Business plans add more pages, bulk uploads, more export formats and AI web research on stubborn descriptors.
Will it tell me who a recurring subscription really is?
Yes — recurring charges are grouped by merchant with their cadence, next likely charge date and estimated yearly cost, so forgotten subscriptions and free-trials-turned-paid are easy to spot and cancel.