Karchu

NatWest statement analyzer

Analyze NatWest bank statements in seconds

Karchu reads NatWest statements in PDF, CSV, OFX and turns them into a categorized picture of your money. Cash flow, top merchants, recurring charges, and category breakdown, without a spreadsheet.

  • PDF / CSV / OFX supported
  • OCR for scanned statements
  • Deterministic categorization
  • Cash flow and top merchants
  • Recurring charges surfaced
  • Clean Excel and CSV export

How to get a NatWest bank statement

  1. Sign in to natwest.com online banking.
  2. Open the account and choose Download transactions.
  3. Pick CSV, OFX, or PDF and a date range.
  4. Upload the file to Karchu.

What is a NatWest bank statement

A NatWest bank statement is the official record of every transaction posted to your NatWest account during a given period, along with the opening and closing balance. It is the same document your lender, landlord, or accountant will ask for when they need proof of income, proof of address, or documentation for a bank statement loan or mortgage. A NatWest statement typically covers one month, but you can export any custom date range from online banking.

What Karchu does with your NatWest data

Once the file is uploaded, Karchu extracts every transaction, normalizes the columns, and applies rule-based categorization. You see a dashboard within seconds with total income and expenses, category breakdown, top merchants, recurring subscriptions, and any anomalies worth a second look. Every categorization is explainable, so if a transaction lands in the wrong bucket you can open the rule that decided it and edit it once. The change applies retroactively across every NatWest statement you upload.

NatWest statement to Excel and CSV

Karchu works as a NatWest PDF to Excel converter and a NatWest statement to CSV converter. Upload a scanned or digital PDF and download a clean spreadsheet with dates, descriptions, amounts, and categories in separate columns, ready for QuickBooks, Xero, or your own workbook. There is no signup required to try a single statement, no bank login, and no aggregator like Plaid.

NatWest export notes

NatWest CSVs use DD/MM/YYYY dates and a single signed Value column. Karchu detects UK date format automatically.

Common uses for a NatWest statement analyzer

  • Preparing 3 month or 6 month bank statements for a mortgage or bank statement loan application.
  • Using a NatWest statement as proof of address or proof of income.
  • Reconciling a NatWest account against a business ledger or a personal budget.
  • Separating business and personal expenses from a single NatWest account.
  • Tracking recurring subscriptions and finding forgotten charges.
  • Building a monthly cash flow view from raw NatWest transactions.

Privacy for NatWest statements

Karchu never asks for your NatWest online banking password and never uses a bank aggregator. CSV and Excel files are parsed in your browser before anything is saved. Saved data lives in a private workspace protected by row-level security. See the security page for details.

Frequently asked questions about NatWest statements

How do I get a NatWest bank statement online?

Sign in to NatWest online banking, open the account, choose Statements or Export, pick a date range, and download the PDF, CSV, or Excel file. The exact steps for NatWest are listed on this page.

Is a NatWest bank statement proof of address?

Yes. Most landlords, government agencies, and lenders accept a recent NatWest statement dated within the last three months as proof of address, as long as it shows your full name and current address.

What does a NatWest bank statement look like?

A NatWest statement includes a header with your name, address, account number, and statement period, followed by a transaction table with date, description, amount, and running balance, and a summary of opening and closing balance plus total credits and debits.

Can I use a NatWest statement for a mortgage or bank statement loan?

Yes. Bank statement loans use 12 to 24 months of NatWest statements to verify income for self-employed borrowers. Karchu can summarize deposits, average monthly income, and recurring expenses across a full set of NatWest statements in one view.

Does Karchu need my NatWest online banking password?

No. Karchu never asks for your NatWest login and does not use a bank aggregator. You upload the statement file directly and Karchu parses it locally in your browser before anything is saved.

Can Karchu convert a NatWest PDF statement to Excel or CSV?

Yes. Upload any NatWest PDF, scanned or digital, and Karchu returns a clean spreadsheet with date, description, amount, and category columns ready for Excel, Google Sheets, QuickBooks, or Xero.

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