UK banks share no common statement layout: one prints Date, Description, Money In, Money Out, Balance; another uses Date, Type, Details, Paid Out, Paid In. Template-based tools choke on that variety, which is why conversion here works by detecting the table on the page rather than expecting a fixed format. The free Bank Statement Analyser reads Barclays, HSBC, Lloyds, NatWest, Nationwide, Monzo, Starling, and Revolut exports the same way — original columns, original order, plus a Statement Info sheet.
Reconciliation applies to every file regardless of bank. Signed amounts from the opening balance must reach the printed closing balance within tolerance, or the conversion fails with a named error instead of delivering shifted rows. That guarantee matters most on long UK statements where interest, charges, and pending-transaction sections sit between the rows.
Scanned and photographed statements convert through OCR with per-row confidence flags, and the matching CSV drops into FreeAgent, Xero, QuickBooks, or Sheets without retyping. Files are deleted after 24 hours, and the Free plan covers 10 statements a month.
When rows are not enough — mortgage affordability, tenant referencing, or a suspicious file — the same PDF runs through the free Bank Statement Analyser for income, obligations, and a 0–100 fraud score from the identical reconciled data.