How Credits and Billing Work in Bankflow

What a Credit Is

Bankflow is priced in credits. One credit covers one standard A4 page of a statement, invoice, or receipt. A typical monthly bank statement is a few pages, so a small allowance goes a long way. Every plan includes every feature; plans differ only in how many credits you get. See pricing for the plans.

A few pages count as more than one credit:

• Oversized paper, like A3 or tabloid, is billed as the A4 pages it would print to.
• One very long page, the way some banking apps export a whole statement, is billed the same way.
• Unusually expensive documents, such as dense scans or layouts that need several passes to read, are billed closer to what they cost us, capped so the charge can't run away from the page count.

What Uses Credits

• Reading a bank statement, however it arrives: an upload, a forwarded email, a workflow, or the API.
• Reading a PDF or photo on the Documents page (an invoice, receipt, loan statement, payroll register, payslip, broker ledger, or tax form), one credit per page or photo. A payroll journal exported as a spreadsheet is read the same way and uses credits too, unlike a payout export.
• A question to Ask: one credit a question, spent when you ask it.

A statement that turns out to contain no transactions still uses credits, because by the time we know that, the whole document has been read. If you believe we missed transactions that are there, use Report a problem from the statement's menu. We'll refund the credits and look at why.

What Doesn't

• Exports of any size, in any format.
• Filling in account numbers on statements imported before Bankflow read them. Fill in account numbers on the Statements page reads the PDFs you already uploaded, and uses none.
• The API and webhooks. Available on every plan, including free. Only the parsing you do through them uses credits.
• Pages you leave out when choosing pages, and pages a bank's page rule skips. They're never read.
• Payout reports and brokerage ledgers in CSV or Excel, which are read without AI.
• Conversions that fail, or files Documents finds aren't a document it reads.
• Everything you do with data that's already in Bankflow: categorizing, rules, linking documents to payments, the dashboard, books, and reports.

Save Credits on Every Import

Most statements include pages with no transactions on them: a cover letter, terms and conditions, marketing. Leave them out with Choose pages when you upload, or set a page rule on the bank so they're skipped every month, including for statements that arrive by email. See importing statements.

Your Allowance

• The free plan includes a one-time allowance of up to 50 credits, with no card required, so you can try the full workflow on your own statements. An account on a work email address gets 50. One on a personal address, such as Gmail or Outlook, starts with 20 and gets the other 30 when you add your firm or business name, on the Billing page or where you run out. Accounts opened before November 2, 2026 keep their 50.
• Paid plans include a monthly allowance that resets at the start of each billing cycle. You can pay monthly or yearly. Upgrading partway through a cycle adds the share of the new plan's credits that the prorated charge covers; the full allowance starts at your next renewal.
• Credit packs top up a paid plan's balance when you need more. Purchased credits roll over for six months.

Your monthly allowance is used first. Extra credits are used after it, starting with the ones that expire soonest. If a subscription payment is fully refunded or charged back, that cycle's included credits are paused until the next payment.

In a client workspace shared with you, every import is charged to the workspace's owner, whoever runs it. See your team.

When You Run Out

Nothing you've sent is lost. On a paid plan, buy a credit pack or upgrade; on the free plan, add your firm name for the other 30 credits if you haven't, or choose a plan. Get credits takes you to whichever applies.

• Uploaded statements wait in the processing queue. Once you have credits, resume them from the activity tray.
• Forwarded statements stay in your email inbox, and a banner says how many are waiting.
• Workflows stop and pick up where they left off on their next check.
• Conversions on the Documents page pause, and Retry in Files finishes them once you have credits.

Managing Your Plan

Open Billing in the sidebar to see your plan, the credits you have left, and any extra credits with when they expire. From there you can:

• upgrade or change your plan,
• on a paid plan, click Buy credits for a top-up pack, or on the free plan add your firm name for the other 30 credits,
• set the billing address that appears on your invoices, and
• click Manage subscription to open the billing portal, where you can change or cancel your subscription and get your invoices.

One checkout is open at a time. Asking for the same plan again reopens it, and a different plan can be chosen once that checkout has finished or after 15 minutes.

Next Step

Compare what each plan includes on the pricing page.