ReceiptNestStatement DecoderYour bank statement, decoded.
Upload a statement. See who charged you, what each charge likely was, and which charges still need a receipt, in one list your bookkeeper can actually use.
You’re on the list.
Illustration. Businesses, amounts and results are examples.
A statement says where you paid. It almost never says what for.
Small businesses take cards through payment companies, so SQ * (Square) comes first, and names are cut to about 22 characters.
Some charges are bills behind a number. This one is a store’s monthly plan, not a purchase from a shop.
Banks add their own words, so the store name gets pushed off the end of the line.
At tax time, every one of those turns into the same question: “What was this for?”
Three steps from statement to answers.
Upload a statement
Drop in the PDF or CSV your bank gives you. No bank login, no linked accounts.
We decode every line
Who charged you and the likely category, read from the codes. Anything uncertain is marked “check this”, never guessed in silence.
See what needs a receipt
We match each charge to the receipts you’ve saved in ReceiptNest by amount, date and merchant. Charges with no match are listed, ready to hand off.
Every line explained. Every gap flagged.
One clean list per statement: the original line, who it was, a likely category, and whether a matching receipt is saved in your ReceiptNest. Export it as a CSV or PDF and send it on.
Example export
| Date | On your statement | Who | Likely category | Amount | Receipt on file |
|---|---|---|---|---|---|
| Oct 03 | SQ *GRNLINE PLMB SUP | Greenline Plumbing Supply | Hardware & supplies | 86.40 | ✓ Attached |
| Oct 04 | TST* EL CAMINO TAQ | El Camino Taqueria | Meals | 24.18 | ✓ Attached |
| Oct 07 | GOOGLE *Workspace | Google Workspace | Software | 14.00 | ✓ Attached |
| Oct 11 | SHOPIFY* 104729381 | Shopify (store plan) | Software | 39.00 | ✗ No receipt |
| Oct 14 | PAYPAL *JRKPHOTO | JRK Photo via PayPal | Contractor? | 150.00 | ? Check this |
| Oct 18 | BAYVIEW OFFC SUP #12 | Bayview Office Supply | Office supplies | 47.85 | ✗ No receipt |
What it won’t pretend to know.
- A statement never lists items. The decoder tells you who charged you and the likely category. It won’t invent what you bought.
- Uncertain lines are flagged. If a code is ambiguous, you’ll see “check this” instead of a confident wrong answer.
- “No receipt” means none saved in ReceiptNest. It can’t see the paper in your drawer. It shows you which charges to look for, and the receipt is what turns a guess into a record.
- Not tax advice. Categories are suggestions. You and your bookkeeper make the call.
No bank login. Ever.
- You choose what to upload. One statement at a time, never a connection to your bank.
- Account numbers masked. Only the last four digits are ever shown.
- The file is deleted after decoding. We keep the decoded lines, not your statement.
- Encrypted and private to you. Shared only when you choose to send it.
Everyone on the early-access list gets their first statement decoded on us. After that, the decoder will be part of ReceiptNest Pro, with up to 10 statements a month.
The short answers.
Does it connect to my bank?
No. You upload a statement file you already have, a PDF or CSV. ReceiptNest never asks for your bank login.
Can it tell me exactly what I bought?
No tool can, from a statement alone. It tells you who charged you and the likely category, and marks lines it isn’t sure about. Your receipts are what show the items, and the decoder shows which charges don’t have one saved yet.
How does it know which charges need a receipt?
It only knows about receipts you’ve saved in ReceiptNest, whether you snapped them or forwarded them. Each statement charge is matched to those receipts by amount, date and merchant, with room for things like a tip added after you signed, or a charge that posts a few days late. If nothing matches, the charge is listed as needing a receipt. If a charge could match more than one receipt, it’s marked “check this” so you can confirm.
Which banks will it work with?
The goal is any bank that lets you download a statement as a PDF or CSV. CSV statements come first because every bank lays out its PDFs differently.
When will it be ready?
We’re building it now. Join the list and you’ll get one email the day it opens, with your first statement free.
Is this tax or accounting advice?
No. Categories are suggestions to save you and your bookkeeper time. Your bookkeeper or tax professional makes the final call.
What should I do in the meantime?
Start keeping your receipts in ReceiptNest. When the decoder opens, it matches statement lines to the receipts you already have. If a charge leaves you puzzled today, our free guide to bank statement codes explains the common ones.
Be first in line. Your first statement is on us.
One email the day it opens. No spam, and you can unsubscribe anytime.