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Bank Statement Processing

Automated Bank Statement Processing for UK Accounting Firms

Stop re-keying bank statements line by line. Ledger AI reads PDF, CSV and even scanned bank statements from any UK bank, extracts every transaction, categorises it against the client's chart of accounts, and reconciles it against the ledger — automatically.

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  • PDF, CSV and scanned statements
  • Every major UK bank
  • Multi-currency supported

Bank Statement IngestionSample data

  • HSBC · Meridian Logistics Ltd

    142 transactions

    Parsed

  • Barclays · Thornton & Sons Ltd

    87 transactions

    Parsed

  • NatWest · Apex Property Group

    203 transactions

    Parsed

  • Lloyds · Greenfield Retail Ltd

    64 transactions

    Parsed

Extract, categorise and reconcile every transaction line.

Bank Statement Ingestion: illustrative sample data.

What it does

Every transaction line, extracted and reconciled

Ledger AI ingests bank statements in whatever format they arrive — PDF exports, CSV downloads, scanned or photographed paper statements — and extracts the date, description, and amount of every transaction line.

It applies learned categorisation rules per client, matches transactions against the existing ledger, and reconciles the account, leaving only genuine exceptions for a bookkeeper to check.

Any statement format

PDF exports, CSV downloads, scans and photos of paper statements.

Per-client categorisation

Rules learned from each client's history and your team's corrections.

Exceptions only

Matched lines reconcile themselves; only genuine exceptions reach a human.

How it works

From statement file to reconciled ledger

A typical client workflow with Ledger AI.

  1. 01

    Upload or connect

    Upload a statement file or connect an automatic bank feed.

  2. 02

    Extract

    Ledger AI extracts every transaction line using AI and OCR.

  3. 03

    Categorise

    Each transaction is auto-categorised based on the client's history and rules.

  4. 04

    Reconcile

    The engine reconciles transactions against existing ledger entries.

  5. 05

    Review exceptions

    Flagged or low-confidence items are queued for quick manual review.

  6. 06

    Sync

    Clean, reconciled data syncs to your accounting software.

Benefits

What your team gets back

  • 01
    No more manual re-keying of bank statement lines
  • 02
    Works with banks and formats that don't support open banking feeds
  • 03
    Consistent categorisation logic applied across every client
  • 04
    Faster, more reliable monthly bank reconciliation
  • 05
    Lower risk of transposition and duplication errors

Who it's for

Built for the statements that don't come with a feed

  • 01Bookkeepers currently re-keying statements from banks without open banking feeds
  • 02Accounting firms onboarding clients who bring in messy or paper-based bank records
  • 03Small businesses that don't have automatic bank feeds set up in their accounting software
  • 04Practices wanting consistent, error-free bank reconciliation across every client

Integrations

Works with the software and banks you already use

Statements arrive via CSV, PDF upload or open banking feed, and reconciled data syncs straight back to your accounting software.

Accounting software
XeroQuickBooksSageFreeAgent
UK banks
BarclaysHSBCLloydsNatWestSantanderMonzoStarling

Related

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FAQs

Questions about Bank Statement Processing

Something we haven't covered?No sales pitch. Just a live walkthrough tailored to accounting firms.
Which banks and file formats are supported?

Ledger AI accepts CSV and PDF statement exports from all major UK banks, as well as open banking feeds where available, and can process scanned or photographed paper statements.

Can it read scanned or photographed statements?

Yes. The AI/OCR engine is built to handle low-quality scans and photos, not just clean digital exports.

How does the system learn categorisation rules?

It learns from each client's transaction history and any corrections your team makes, so accuracy improves the more you use it.

What happens if a transaction is unclear?

Unclear or low-confidence transactions are flagged and held for manual review rather than posted automatically, so nothing gets miscategorised silently.

Does it support multi-currency accounts?

Yes, multi-currency bank accounts and transactions are supported and reconciled in the client's base currency.

Book a demo

Ready to automate bank statement processing?

See Ledger AI in action. Book a free, no-obligation demo and see how automated bank statement processing could work for your firm.

Book a Free DemoSee How It Works

Book a demo

See Ledger AI in your firm's workflow

A focused 20-minute walkthrough — we'll show you how Ledger AI handles your clients' bank statements, categorises transactions and keeps your team instantly informed.

“Ledger AI transformed how we handle statements. What used to take a day now takes minutes. Exceptional accuracy.”

Reserve your slot

No sales pitch. Just a live walkthrough tailored to accounting firms.

We'll send you a calendar invite within 24 hours