Features
Everything from upload to export.
BankFlow turns bank statements PDF CSV XLSX or JSON into structured, categorized, export-ready data, then gives you a full workspace to organize, automate, and understand it.
Upload
Drop a statement, watch it parse
A drag-and-drop zone ingests PDF, CSV, XLSX, and JSON files - including scanned, multi-page, and password-protected PDFs. A live status tracker shows extraction progress, validation checks, and the moment your transactions are ready.
Drag-and-drop ingestion
Upload a bank statement as PDF, CSV, XLSX, or JSON, up to 50 MB. No template selection or per-bank setup is required.
Real-time processing states
Follow each statement from upload through extraction, validation, and completion.
Balance & validation checks
Opening and closing balances are verified automatically, with flagged rows surfaced for review.
Organize
An interactive transaction ledger
Every parsed transaction lands in a clean, sortable grid - Date, Narration, Category, Subcategory, Tags, Source, and Amount. Search, filter, and bulk-edit thousands of rows without touching a spreadsheet.
Search & detailed filters
Real-time narration search plus a filter sidebar for date ranges, min/max amounts, categories, credit vs. debit, and account source.
Bulk actions
Shift-click range selection with a sticky toolbar for bulk recategorize, delete, flag/exclude, or rule creation.
Cash-flow exclusion
Hide transfers, personal loans, or outliers from charts and totals without deleting them from history.
Scoped CSV, XLSX & QuickBooks export
Download exactly the rows matching your active search and filters - as CSV or Excel, or as an OFX/QBO file QuickBooks imports directly.
Automate
A visual rules & automation engine
Teach BankFlow once and it categorizes forever. Build rules with flexible text matchers, map them to merchants, categories, and tags, then run them retroactively across all of your history.
Flexible text matchers
Multiple inclusion phrases (OR) and exclusion keywords (negative matchers) keep false positives out.
Three-output mapping
Link a matching rule to a canonical merchant, a category/subcategory, and an array of custom tags like #reimbursable or #tax-deductible.
Merchant scopes
Restrict a category or tag rule so it only runs once a transaction is linked to a specific merchant.
Retroactive sync & manual overrides
Run new rules across all historical data in one click - and any category you set by hand is protected from automated or AI changes.
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Set
Understand
Merchant intelligence & analytics
Parsing is just the start. Every statement feeds a live dashboard so you understand the numbers, not just export them - with a dedicated workspace for digging into any merchant.
Spend rankings
A directory of merchants sorted by total spend, transaction volume, or average order size.
Split-pane drilldown
For any merchant: monthly trends, category distribution, the rules affecting it, and a searchable transaction list.
Recurring & salary detection
Recurring charges and regular income are surfaced automatically the moment a statement finishes, feeding a live dashboard of net cash flow and income vs. expense.
Plan
Cash flow, runway & forward planning
A dedicated planning workspace turns your history into a forward view - how long the money lasts, where it flows, and what happens if the plan changes.
Three runway views
Net (current burn), essentials-only, and full-burn (zero income) runway - so you see both the floor and the ceiling.
Monthly P&L & money-flow
Income vs. expenses month by month from real statements, plus a Sankey diagram of where every dollar goes.
Custom views & AI grouping
Group merchants and categories into revenue/expense buckets with de-duplication - or let AI suggest the views for you.
Forecast & balance timeline
Project your balance forward from recurring income and spend, with a timeline of where it heads.
Savings goals
Track goals against your plan and see each one as on track, behind, or funded.
What-if scenarios & an AI plan advisor
Stress-test a job loss or a one-off expense, and get an AI verdict on your plan - savings rate, runway, and what to fix.
Your trajectory
Money flow
Create a view
Integrate
Email import & a developer API
Bring statements in by email and push structured data out programmatically. Forward from any inbox or build directly against the v1 API.
Forward-to-import inbox
Get a private import address - forward (or auto-forward) statement emails and the attachments are captured automatically. Allow specific senders, review in the inbox, and opt into auto-import per sender or statement type.
Developer API tokens
Generate, copy, and revoke personal access tokens (bnfw_ prefix) to authenticate requests to the v1 API.
Parse, list & webhooks
POST a PDF, CSV, XLSX, or JSON file to /api/v1/parse, list and export stored transactions, and register webhooks for statement and transaction events.
Forward statements to
statements@mail.bankflow.app
POST /api/v1/parse
Authorization: Bearer bnfw_••••
200 { "transactions": 142 }