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Upload a bank statement (BAI2, MT940, CAMT.053 or CSV). F20 pulls out every charge, groups it by type, and shows the recurring charges, the months that spiked, and the accounts costing the most.
Free bank fee analyzer: group every charge on a BAI2, MT940, camt.053 or CSV statement by type. Nothing stored. Upload the file this page names, review the result in the browser, and download CSV or Excel when offered.
A statement with several bank-fee categories. These are synthetic fixtures, processed in memory and never stored.
Your file is processed in memory and never stored. Nothing is written to disk, and nothing is retained after the response.
Only debits are ever treated as charges -- a positive amount is money the bank paid in, whatever the description says. Charges that match no known pattern are shown in an explicit 'unclassified' bucket rather than absorbed into 'other'. The avoidable-fee figure is an estimate over fee types that are usually avoidable and a starting point for a conversation with the bank, not an audited saving.
Takes the statement's own sign convention as the first gate: a positive amount is money the bank paid into the account, so it is never classified as a charge however its description reads. Each debit is then bucketed by keyword pattern, plus the three BAI2 charge type codes the reconciliation rules already recognise. There is no AI classification anywhere in it — a row matching no known pattern lands in an explicit 'unclassified' bucket rather than being folded into 'other' as though it had been understood — and the avoidable-fee figure is labelled an estimate over the fee types that are usually avoidable, never a per-row certainty.
Upload the statement. Debits are bucketed by keyword and known BAI2 charge type codes. A row matching no pattern lands in an explicit unclassified bucket. The avoidable-fee figure is an estimate, never a per-row certainty.
Open the page, drop a BAI2, MT940, camt.053 or CSV statement, and read the result in the browser. Download CSV or Excel when the tool offers those exports.
Yes. There is no charge and no account required. Every tool on F20 FinanceOps runs without signing in. A run made without an account is not recorded.
No. Uploaded files are processed in memory and dropped when the response is sent. Nothing is written to disk. They are never stored.
Have the statement (BAI2, MT940, camt.053 or CSV). Sign convention matters: a positive amount is money the bank paid in, so it is never classified as a charge from the description alone.
Read the unclassified bucket — those rows matched no known pattern. Then look at cash position, or reconcile the statement so fee lines sit as expected outstanding items rather than mysteries.
Fee analysis sits after you can see the rows and before you argue the bank's invoice. Debits are bucketed by keyword and known BAI2 charge type codes. Unclassified is explicit. The avoidable-fee figure is an estimate, never a per-row certainty, and never an AI verdict.