Bank statements

Bank statements are uploaded through the documents endpoint which details file types and size limitations.

Extracted data

These are the extracted fields of a bank statement

Personal data

The header section of a bank statement includes information on the individual. This is extracted into the following fields:

Field	Description
Full Name	Full name found on the bank statement
Full Address	Combined address found on the bank statement. Individual parts are split out below
Address1	House Number
Address2	House Name
Address3	Flat, unit, or apartment identifier if applicable
Address4	Street name or road
Address5	Smaller locality or village if applicable
Address6	City or Town name
Address7	County or region name
Postcode	Post code
Country	ISO 2 letter country code

General account and statement information

We extract the following bank and account information:

• Bank name
• Sort code
• Account number
• Currency
• Has overdraft

Statement summary extracted fields:

• Period start date - The start date of the time period covered by the statement.
• Period end date - The end date of the time period covered by the statement.
• Opening balance
• Closing balance

Daily balances

Daily balances are the balances of the account on any individual day. They are calculated from the transactions.

Each daily balance includes

• Date
• Balance - The final balance of that day.

Transactions

Each transaction contains the following fields:

• Date
• Amount - Positive numbers for deposits and negative numbers for withdrawals.
• Description - Description of the transaction found on the statement.
• Category - How we have categorized the transaction. Full list of categories below.
• Balance - Account balance after the transaction.

Transaction categories

Category	High risk
Income	False
Savings	False
Housing	False
Taxes / Insurance	False
Living	False
Utilities	False
Gambling	⚠️ True
Entertainment	False
Entertainment (Adult)	⚠️ True
Benefit income	⚠️ True
HIST	⚠️ True
Transfer	False
Cash deposit	⚠️ True
Cash withdrawal	False
Credit	False
Declined	False
Miscellaneous	False

Example extraction

{
    "fullName": "James Smith",
    "fullAddress": "12 Golf Road, Cardiff, 123 123, GB",
    "address1": "12",
    "address4": "Golf Road",
    "address6": "Cardiff",
    "postcode": "123 123",
    "country": "GB",
    "periodStartDate": "2025-02-01T00:00:00",
    "periodEndDate": "2025-02-28T00:00:00",
    "openingBalance": 731.62,
    "closingBalance": 1392.29,
    "hasOverdraft": false,
    "bankName": "Monzo",
    "accountNumber": "99999999",
    "sortCode": "00-00-00",
    "currency": "GBP",
    "dailyBalances": [
        {
            "date": "2025-02-01T00:00:00",
            "balance": 853.50
        }
    ],
    "transactions": [
        {
            "date": "2025-02-21T00:00:00",
            "amount": -19.00,
            "description": "Netflix subscription",
            "category": "Entertainment",
            "balance": 1313.72
        }}
    ]
}