Karchu

TSB statement analyzer

Analyze TSB bank statements in seconds

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

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

How to get a TSB bank statement

  1. Sign in to tsb.co.uk internet banking.
  2. Open the account and choose Download.
  3. Pick CSV or PDF and a date range.
  4. Upload the file to Karchu.

What is a TSB bank statement

A TSB bank statement is the official record of every transaction posted to your TSB 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 TSB statement typically covers one month, but you can export any custom date range from online banking.

What Karchu does with your TSB 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 TSB statement you upload.

TSB statement to Excel and CSV

Karchu works as a TSB PDF to Excel converter and a TSB 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.

TSB export notes

TSB CSVs use UK date format and abbreviated transaction types (DD, DR, FPO). Karchu translates these codes to human-readable labels.

Common uses for a TSB statement analyzer

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

Privacy for TSB statements

Karchu never asks for your TSB 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 TSB statements

How do I get a TSB bank statement online?

Sign in to TSB 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 TSB are listed on this page.

Is a TSB bank statement proof of address?

Yes. Most landlords, government agencies, and lenders accept a recent TSB 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 TSB bank statement look like?

A TSB 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 TSB statement for a mortgage or bank statement loan?

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

Does Karchu need my TSB online banking password?

No. Karchu never asks for your TSB 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 TSB PDF statement to Excel or CSV?

Yes. Upload any TSB 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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