Bank statement analysis for visa and immigration applications

The problem

Visa and residency applications ask for months of bank statements to prove funds and steady income. What the case officer looks for is narrower than the pile you send: the closing balance held over a qualifying period, where the money came from, regular salary or client payments, and any large deposit that needs an explanation. Reading that out of raw PDFs, often across two banks and two currencies, is slow for you and slower for the person reviewing the file.

How Karchu helps

Upload the statements your bank already gives you and Karchu builds the summary around them: monthly closing balances across the period, income grouped by source and cadence, total money in and money out per month, and the largest deposits listed so you can prepare an explanation for each one. Every figure links back to the transaction it came from, so nothing in the summary is invented and you can show the original line if you are asked. Export it as PDF or Excel and attach it alongside the bank's own statements, which most applications still require in original form.

Recommended workflow

1. Upload six or twelve months of statements for every account you are declaring, in PDF, CSV or Excel.
2. Check the monthly closing balance line across the qualifying period.
3. Review income by source so salary, client payments and transfers are separated.
4. Look at the largest deposits and note an explanation for each: gift, sale, bonus, loan.
5. Export the categorized summary as PDF or Excel and attach it with the original statements.

What users say

Being able to point at where a single large deposit came from saved a round of follow-up questions.

Related pages

• Bank statement analyzer overview
• Automatic transaction categorization
• Pricing
• Other use cases