Karchu works with any bank that exports a statement. Below are dedicated guides for the banks our users import from most often, with the exact export steps and any file-format notes. If your bank is not listed, upload the statement anyway: Karchu detects the layout automatically.
There is no shared standard for what a bank statement looks like. Each bank decides its own column order, its own date format, whether debits and credits sit in separate columns or in one signed column, whether a running balance is included, and how much of the merchant name survives into the description field. Two accounts at the same bank can even differ if one is a current account and the other a credit card. That is why generic converters produce shifted columns, dates read as the wrong month, and amounts with the sign reversed.
Karchu handles this by detecting the layout before it extracts anything. It looks at the header row, the shape of the numeric columns, the density of date-like tokens, and the position of any running balance, then picks the interpretation that reconciles against the statement totals. When a file is a scan or an image-only PDF with no embedded text, it falls back to OCR and reads the page visually. The result is the same set of clean rows regardless of which of the two paths was used.
If your bank offers a CSV or Excel export, take it. Those files carry the numbers as data rather than as printed text, so the extraction is exact and nothing depends on image quality. PDF is the universal fallback and works fine, but there are two kinds of PDF and they behave differently. A text PDF, the type you get when you download a statement directly from online banking, contains selectable text and parses quickly and accurately. A scanned PDF, the type you get from a photocopier or a phone camera, is really a picture of a page and needs OCR. Scans still work, but a straight, well-lit, full-page capture makes a noticeable difference to accuracy.
A few practical rules save time. Download the statement rather than printing the on-screen transaction list, because the printed view often truncates descriptions. Avoid password-protected PDFs, or remove the password first, since an encrypted file cannot be read at all. Export one account and one period per file rather than merging several accounts into a single document. And prefer the full statement period over a custom date range, because the statement carries the opening and closing balances that let Karchu verify its own work.
Each bank page above covers the same ground for that specific institution: where the export button lives in that bank's web and mobile apps, which file formats are offered, how far back the history goes, the quirks of that bank's description field, and anything unusual about how it presents dates or currency. If a bank writes dates day-first, the guide says so. If it splits card transactions across two lines, the guide says so. These are the details that decide whether an import is clean or needs an hour of manual correction.
Accounts at Wise, Revolut, and similar providers often hold several currencies in a single statement, with conversions recorded as paired transactions. Karchu keeps the original currency on each row rather than flattening everything into one, so a EUR expense stays a EUR expense and your reporting currency is applied as a presentation layer on top. That matters for anyone filing in one country while earning in another, because the underlying figures stay auditable against the source statement.
The list above is not a compatibility list, it is a list of banks we have written dedicated guidance for. Karchu is layout-detecting rather than template-driven, so a credit union in Ohio, a regional bank in Spain, or a neobank that launched last year all work the same way: upload the file and the parser figures out the structure. If something does come out wrong you can re-run the file with different settings, switch between the deterministic parser and the AI reader, and correct individual fields by hand, and your corrections are remembered for future statements from the same account.
Tell us which bank you use and we will add a guide for it. In the meantime, read how the pipeline works end to end, or start with a statement on the bank statement analyzer.
