llms.txt
# Bankflow
> Bankflow is document capture and statement conversion for bookkeepers and accounting firms. It reads clients' bank and credit card statements, invoices and receipts, checks every figure, and keeps each client in a workspace of its own. Invoices and receipts are sent to QuickBooks Online, Xero, Zoho Books or Sage as bills and expenses, and supplier credit notes as vendor credits, with the original attached, and statements export to QuickBooks, Xero, Sage, Excel, CSV, QBO, IIF and OFX. One credit reads one page of any document.
Bankflow reads the statement itself rather than connecting to a bank, so it works for catch-up years, closed accounts, cards and banks with no feed. Every extracted figure stays traceable to the coordinates it came from on the source page, and the balances are checked against the ones the statement prints before anything is exported.
For firms: every paid plan includes unlimited client workspaces, each with its own categories, rules, exports and two email forwarding addresses, one for statements and one for bills and receipts. Invoices and receipts are matched to the bank payments that settled them, so unpaid and overdue bills are visible, and a tax report adds up the tax each document prints, by label and rate, for a month, quarter or financial year, exported as CSV. A supplier's statement of account is read and checked against that supplier's invoices and credit notes in Bankflow, marking each as held, held for a different amount, or missing; it is not compared with the balance in the ledger. Bankflow installs on a phone's home screen from the browser, with a Capture screen for photographing receipts. It does not run expense claims or approval workflows.
Documents explain what a bank row was made of. Invoices and receipts, loan statements, payout reports (Stripe, PayPal, Shopify, Square, Jobber, Housecall Pro), payroll registers from any provider, payslips, and brokerage funds ledgers are read and linked to the bank row they explain, so a loan payment splits into interest and principal, a payout deposit into sales, refunds, and fees, a payroll's debits into wages, employer payroll taxes, employer benefits, and payroll fees, and a salary credit into gross pay and tax withheld. Links are suggested and confirmed by the user. Tax forms (W-2, 1099, P60) are kept for reference only, as are supplier statements and credit notes. A W-9 fills in the payee's 1099 details, with its taxpayer ID kept encrypted.
Books group statements and documents into sets that are reported on separately, each with its own profit and loss, cash flow statement, forecast, and goals. Reports are cash basis, built from bank statements. There is no balance sheet, no tax filing or tax advice, no holdings or capital gains tracking, and no live connection to payment providers or brokers: payout and broker files are exports the user uploads.
The marketing site is public. The product itself is behind a login at https://app.bankflow.app and cannot be browsed without an account. There is a free tier (50 one-time credits, roughly 50 pages, and one client workspace). Paid plans are Starter $14.99 a month for 300 pages, Pro $39.99 a month for 1,000 pages, Business $99.99 a month for 3,000 pages, with credits that reset each billing cycle.
## Core pages
- [Home](https://bankflow.app/): What Bankflow does, and the workflow end to end.
- [Features](https://bankflow.app/features): The extraction, review, and analysis features in full.
- [Pricing](https://bankflow.app/pricing): Plans, credit allowances, and what a credit buys.
- [Live example](https://bankflow.app/example): One month of an invented small business read into books: every row traceable to the statement, payouts and a loan split by their documents, and the exported files.
- [Changelog](https://bankflow.app/changelog): New features and improvements, newest first.
- [Docs](https://bankflow.app/docs): Product documentation and how-to guides.
- [API reference](https://bankflow.app/docs/api): The HTTP API for programmatic statement processing.
- [About](https://bankflow.app/about): Who builds Bankflow and why.
- [Security](https://bankflow.app/security): Private document storage on Cloudflare R2, admin tools that cannot open documents, AES-256-GCM for stored credentials, and the SOC 2 Type II audited providers Bankflow runs on (Bankflow has no SOC 2 audit of its own).
## Guides
- [Bankflow 1.7](https://bankflow.app/docs/whats-new): Bankflow 1.7 adds what a firm needs to run every client's month: a board of all your clients, the monthly close with a schedule, client requests, payroll, 1099s and templates. Here is what changed, where it is, and a sensible order to try it in.
- [Importing statements](https://bankflow.app/docs/importing-statements): Upload PDF, CSV, Excel, or JSON statements, choose which pages are read, map spreadsheet columns, and understand what happens while a statement processes.
- [Importing by email](https://bankflow.app/docs/email-import): Forward statement emails to your private Bankflow address, approve the senders you trust, and let statements import themselves every month.
- [Client requests](https://bankflow.app/docs/client-uploads): Keep a list of what you are waiting on from a client, from missing statements to questions and what you need every month, send it in one email with a link they answer through, without an account, let reminders chase it, and review every file before any of it is read.
- [Reviewing a statement](https://bankflow.app/docs/reviewing-statements): Read a statement's verification checks, compare every row against the source PDF with its merchant and category, search the rows, fix what was misread, set the statement's period and account, drop sample pages, and decide what counts in your totals.
- [Statements, accounts & folders](https://bankflow.app/docs/statements-banks-folders): Find your way around the Statements page: the statement library, each bank account and card kept as a record with its type and the days it opened and closed, banks, folders for clients or family members, import history, and the one-screen analysis of any statement, bank, or folder.
- [Working with transactions](https://bankflow.app/docs/working-with-transactions): Search and filter every transaction you've imported, edit and categorize rows one at a time or in bulk, add cash spends by hand, and find what needs your attention.
- [Reading the dashboard](https://bankflow.app/docs/dashboard): A walkthrough of the Overview dashboard: what the headline figures, trend chart, category spend list, merchant heatmap, and pinned answers actually tell you.
- [Books & reports](https://bankflow.app/docs/cash-flow): Group statements and documents into books, read each book's cash-basis profit and loss and cash flow statement, trace any figure back to the statement row it came from, and plan ahead with goals, what-ifs, and bills to pay.
- [Risk analysis](https://bankflow.app/docs/risk-analysis): Audit a set of statements for lending risk: what the report checks, how to read the attention score and findings, and why it never recommends approving or declining.
- [Managing contacts](https://bankflow.app/docs/merchants): How automatic contact recognition works, what the contact list and each contact's ledger, activity and profile tell you, and how to edit a contact's name, roles, default category, and rules, or create one by hand.
- [Categories, tags & spend map](https://bankflow.app/docs/categories-and-tags): How categories classify your transactions, what tags are for, how to manage both, and how to read Bankflow's Spend Map by category, tag, or merchant.
- [Rules](https://bankflow.app/docs/rules): Rules link transactions to contacts, categories, and tags automatically. How patterns match, how to narrow a rule, what happens when two rules disagree, and how rules treat your manual edits.
- [Documents](https://bankflow.app/docs/invoices-and-receipts): Upload invoices, receipts, loan statements, payout reports, payroll registers, payslips, brokerage ledgers, and tax forms; check every figure against the original; link each one to the bank payment it explains; and keep documents organised in folders.
- [Install the app](https://bankflow.app/docs/install-the-app): Add Bankflow to your home screen without an app store, then photograph receipts and invoices with Capture, share PDFs into Bankflow from other apps, and upload long invoices as one document.
- [Supplier statements](https://bankflow.app/docs/supplier-statements): Upload a supplier's statement of account and see which of its invoices and credit notes you already have, which are for a different amount, and which are missing, then ask the supplier for the rest in one message.
- [Credit notes](https://bankflow.app/docs/credit-notes): Upload a supplier's credit note and Bankflow reads it as one: it comes off your tax figures and what you owe that supplier, matches the supplier's statement, and goes to QuickBooks, Xero, Zoho Books or Sage as a vendor credit.
- [Loans, payouts & payslips](https://bankflow.app/docs/loans-payouts-and-payslips): Link a loan statement, a Stripe or PayPal payout report, a payroll register, a payslip, or a brokerage funds ledger to the bank rows it explains, and see the interest in a loan payment, the fees in a deposit, the wages and employer taxes in a payroll, and the tax in a salary in your reports. Tax forms are kept for reference.
- [Workpapers](https://bankflow.app/docs/workpapers): Open an engagement for the period under review, see every account by every month, drop the client's statements onto it, request the months that are missing from the client, and read each account's sheet, the lead schedule and the Excel workbook.
- [Bank reconciliation](https://bankflow.app/docs/bank-reconciliation): Import the client's cash book or ledger into an engagement, confirm the matches Bankflow suggests, read the reconciliation statement, bring forward what the last period left over, and download the adjusting entries as a journal your ledger imports.
- [Tests & sign-off](https://bankflow.app/docs/workpapers-tests-and-sign-off): Run cutoff, transfer and exception tests over a client's statements, draw a sample you can draw again, close each item with a conclusion, then mark the engagement as prepared and sign it off so it stays as it was reviewed.
- [Monthly close](https://bankflow.app/docs/monthly-close): Check each month of a client's books against the statements, the ledger and the payroll, tick your firm's own steps, ask the client for what is missing, then mark the month as prepared, have a reviewer close it, and send it to the client to approve, one month or several at once. Set a deadline for each close, give each client to the person who closes it, and get reminders and a calendar of the deadlines.
- [1099s](https://bankflow.app/docs/1099-reporting): See every payee a client paid in a tax year, what counts toward the 1099 threshold after refunds, decide once which payees are sent a 1099-NEC or, for rent, a 1099-MISC, let the W-9s the client sends fill in their details, and export the worksheets your e-filing service imports.
- [Payroll reports](https://bankflow.app/docs/payroll-reports): Add up a client's payroll registers for a year as Form 941's lines for each quarter, Form 940's FUTA, and each employee's year to date, check what the registers could not give, and export each as CSV.
- [Exporting documents](https://bankflow.app/docs/exporting-documents): Export converted invoices and receipts as CSV, Excel, or JSON, as bill imports for QuickBooks and Xero, or as confirmed paid expenses, with the columns and checks each destination needs.
- [Exporting transactions](https://bankflow.app/docs/exporting-transactions): Export filtered or selected transactions as CSV, Excel, or JSON, as an OFX, QBO, QFX, QIF, or IIF file, or as an import file for Xero, Sage, MYOB, or NetSuite, with the exact columns your workflow needs.
- [Import into QuickBooks](https://bankflow.app/docs/quickbooks-import): Export your Bankflow transactions as a QuickBooks-ready file, then bring them into QuickBooks Online or Desktop without connecting a bank feed.
- [Send to accounting](https://bankflow.app/docs/send-to-accounting): Connect your accounting software, then send supplier invoices as bills and receipts as expenses, each with the original file attached. What each ledger receives, how accounts and currencies work, and what to do when one is refused.
- [Statements to accounting](https://bankflow.app/docs/statements-to-accounting): Get a statement's transactions into Zoho Books in one click, or into QuickBooks, Xero, Sage, or MYOB through their own statement import, for accounts that have no bank feed.
- [Workflows](https://bankflow.app/docs/workflows): Build a workflow that watches a cloud folder or your email, reads whatever arrives as bank statements or documents, and writes the result to a drive or posts it to a webhook.
- [Connected accounts](https://bankflow.app/docs/connected-accounts): Link the cloud drives your workflows read statements from and write results to, connect more than one account per service, and reconnect or disconnect safely. Only a workspace's owner can connect one.
- [Client workspaces](https://bankflow.app/docs/client-workspaces): Add a client workspace, start it from a template of your firm's standard setup, fill in the client's details, switch between clients from the sidebar, share a workspace with your team, and archive or delete it when an engagement ends.
- [Clients board](https://bankflow.app/docs/clients-board): One row per client for the last month that ended: where its close stands against its deadline, who closes it, which statements are missing, what is waiting on the client, what is ready for you to close, and what changed since you last looked.
- [Team & roles](https://bankflow.app/docs/team): Invite colleagues into a client workspace as a reviewer, preparer or viewer, see what each role can do and what stays the owner's, change roles or remove people, and require that a second person reviews.
- [Credits & billing](https://bankflow.app/docs/credits-and-billing): What a credit is, what uses credits and what doesn't, how to save credits on every import, what happens when you run out, and where to manage your plan.
- [Settings](https://bankflow.app/docs/settings): Every setting in Bankflow and what it changes: number and currency display, notifications, privacy and document retention, PDF passwords, account data, email imports, and connected accounts.
- [History & notifications](https://bankflow.app/docs/history-and-notifications): See every change to your ledger in the audit log, restore deleted transactions from the trash, read what your team, your clients and Bankflow did while you were away, choose how you're notified, and report a problem.
- [Connect an AI assistant](https://bankflow.app/docs/ai-assistants): Bankflow speaks the Model Context Protocol, so Claude, Claude Code, Cursor, and other MCP clients can read your statements and transactions and answer questions about them, with a read-only key.
## Convert statements
- [Convert (hub)](https://bankflow.app/convert): Every format a statement can become, and the bank pages behind each one.
- [Bank Statement → Excel](https://bankflow.app/convert/bank-statement-to-excel): Download a clean XLSX of every parsed transaction.
- [Bank Statement → CSV](https://bankflow.app/convert/bank-statement-to-csv): Export filtered rows as CSV for any downstream tool.
- [Bank Statement → JSON](https://bankflow.app/convert/bank-statement-to-json): Structured transaction data for scripts and internal tools.
- [Bank Statement → OFX](https://bankflow.app/convert/bank-statement-to-ofx): Plain OFX for Xero, GnuCash, and Moneydance.
- [PDF → QBO](https://bankflow.app/convert/pdf-to-qbo): One-click QBO conversion for QuickBooks Desktop and Online.
- [CSV → QBO](https://bankflow.app/convert/csv-to-qbo): Your bank's CSV or Excel export as a QBO for QuickBooks.
- [Bank Statement → QFX](https://bankflow.app/convert/bank-statement-to-qfx): Quicken Web Connect files from reviewed statements.
- [Bank Statement → QIF](https://bankflow.app/convert/bank-statement-to-qif): Plain-text transactions for Quicken and older desktop tools.
## File formats
- [File formats (hub)](https://bankflow.app/file-formats): What a QIF, QFX, OFX, QBO, or IIF file actually is, what opens one, and what to do when a program refuses it.
- [QIF Files](https://bankflow.app/file-formats/qif-file): Quicken's oldest text format: what is inside one, and what still reads it.
- [QFX Files](https://bankflow.app/file-formats/qfx-file): Quicken's Web Connect file, and why a plain OFX will not do instead.
- [OFX Files](https://bankflow.app/file-formats/ofx-file): The banks' interchange format, its two incompatible versions, and what imports it.
- [QBO Files](https://bankflow.app/file-formats/qbo-file): QuickBooks' Web Connect file, and the header that decides whether it imports.
- [IIF Files](https://bankflow.app/file-formats/iif-file): QuickBooks Desktop's tab-delimited import, and the accounts it creates by accident.
## Integrations
- [Integrations (hub)](https://bankflow.app/integrations): Which accounting tools need a converted file, and which format each one takes.
- [Bank Statement → QuickBooks](https://bankflow.app/convert/bank-statement-to-quickbooks): Categorize first, then import a QBO into QuickBooks Online or Desktop.
- [Invoices & Receipts → QuickBooks](https://bankflow.app/convert/invoices-and-receipts-to-quickbooks): Sent to QuickBooks as bills and expenses, or a bill-line CSV.
- [Bank Statement → IIF](https://bankflow.app/convert/bank-statement-to-iif): Tab-separated journal entries for QuickBooks Desktop.
- [Bank Statement → Xero](https://bankflow.app/convert/bank-statement-to-xero): OFX for Import a Statement, including pre-feed history.
- [Invoices & Receipts → Xero](https://bankflow.app/convert/invoices-and-receipts-to-xero): Sent to Xero as draft bills and Spend Money, or a Bills CSV.
- [Bank Statement → Xero CSV](https://bankflow.app/convert/bank-statement-to-xero-csv): Xero's bank-statement template, ready to import.
- [Bank Statement → GnuCash](https://bankflow.app/convert/bank-statement-to-gnucash): Plain OFX for File → Import → Import OFX/QFX.
- [Bank Statement → Moneydance](https://bankflow.app/convert/bank-statement-to-moneydance): OFX for the accounts Direct Connect cannot reach.
- [Bank Statement → Sage](https://bankflow.app/convert/bank-statement-to-sage): OFX scoped to one account, the way Sage reads it.
- [Bank Statement → Sage CSV](https://bankflow.app/convert/bank-statement-to-sage-csv): Sage's three-column bank-statement layout.
- [Bank Statement → MYOB](https://bankflow.app/convert/bank-statement-to-myob): MYOB-ready QIF for bank-statement imports.
- [Bank Statement → NetSuite CSV](https://bankflow.app/convert/bank-statement-to-netsuite-csv): A CSV shaped for NetSuite's bank-statement parser.
- [Bank Statement → Wave](https://bankflow.app/convert/bank-statement-to-wave): The file format Wave recommends over CSV.
- [Bank Statement → FreshBooks](https://bankflow.app/convert/bank-statement-to-freshbooks): A CSV whose columns are the same every month.
## Solutions by role
- [Solutions (hub)](https://bankflow.app/for): The same statements, read for the role you actually have.
- [For Bookkeepers](https://bankflow.app/for/bookkeepers): Speed up monthly reconciliation and recurring client work.
- [For Accountants](https://bankflow.app/for/accountants): Cut statement data entry out of close and year-end prep.
- [For Accounting Firms](https://bankflow.app/for/accounting-firms): Standardize intake and review across every client account.
- [For Small Businesses](https://bankflow.app/for/small-businesses): Categorized books and a runway figure, without hiring help.
- [For Freelancers](https://bankflow.app/for/freelancers): Split business from personal an
