Bank statement parsing API documentation

StatementBear turns a bank or credit card statement PDF into JSON. One POST returns every transaction, the account it belongs to, and a check that the figures reconcile. No bank login, no end-user account, nothing stored.

The request#

Send the PDF as a raw body or as a multipart file part. There is one endpoint, one verb, no SDK and nothing to poll.

POST /api/v1/documents HTTP/1.1
Host: statementbear.com
Authorization: Bearer sb_live_...
Content-Type: application/pdf
Idempotency-Key: 6f1b1f22-9c62-4c0e-b6a4-1d0f5f0b6f5a

<the PDF bytes>

HTTP/1.1 200 OK
Content-Type: application/json
X-Billable-Documents: 1

{ "id": "doc_...", "issuer": { ... }, "accounts": [ ... ], "verification": { ... } }

What you get back#

• Every transaction, with the date and payee line as printed, a positive amount and an explicit direction.
• Every account on the PDF, kept separate. Some issuers bill a current account and three savings accounts on one statement.
• Totals we summed and totals the issuer printed, side by side.
• A verification object holding our check of the extraction against the statement's own balances.
• The issuer and the period, so a document can be filed without anyone opening it.

What it does not do#

• Store anything. The PDF is parsed and returned. See Security and data retention.
• Score or decide. You get the rows. Affordability, risk and eligibility are yours.
• Create an account for your customer. The person whose statement it is never hears from us.
• Clean up payee names. description is the line as printed, branch and reference included.
• Read scans. Send the PDF the bank issued. A photo or a flattened scan returns 422 and is not charged.

When to use it#

Open Banking needs the account holder present, consenting, and banking with a covered institution. Mortgage files, SME lending, tenant screening, immigration and legal disclosure still run on PDFs the applicant hands over. Use this for those. Plenty of customers run both.

What it costs#

$0.49 for every document that returns 200. The first 25 are free and need no payment method. One file is one document, however many accounts or months are inside it. Errors are free. Every response carries X-Billable-Documents. See Pricing and billing.