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Bankflow

bankflow.app

From $14.99/mo Free plan WebWindowsmacOSLinuxiOSAndroid
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Spec score 9.4 #1 of 29 in Cash Flow Management Software

What it is

Bankflow turns bank and card statements into categorized transactions, monthly profit and loss, and cash runway figures for small businesses. It accepts PDF, CSV and Excel files in batches without requiring a bank or template selection first. Transactions are categorized automatically, merchant names are resolved, and users can save corrections as rules for later statements.

The cash flow view shows monthly income and spending, with runway estimates for current burn, essentials-only burn and no income. Users can model events such as losing a client or taking on a large one-off expense against their own history. Bank statement emails can be forwarded to a private import address; Bankflow says it does not request mailbox login access. Exports include Excel, CSV, OFX and QBO, with accounting layouts or imports for QuickBooks, Xero, Sage, MYOB and NetSuite. API access and webhooks are included on every plan, including Free, and API usage draws from credits. Free provides 50 one-time credits; paid plans start at $14.99 a month for 300 monthly credits. Every plan includes live chat and email support.

Spec sheet

What it does
Bankflow converts bank statements, invoices and receipts into reviewable, categorized and export-ready financial data.Read 15 Oct 2026 · bankflow.app
Purpose
Bankflow turns bank and card statements into categorized transactions, monthly profit and loss, and cash runway figures for small businesses.Read 4 Oct 2026 · bankflow.app
API
A versioned REST API at api.bankflow.app accepts authenticated document uploads and returns normalized transaction data.Read 15 Oct 2026 · bankflow.app
Integrations
Document outputs are supported for QuickBooks, Xero, Sage, NetSuite, MYOB, Wave, FreshBooks, GnuCash and Moneydance.Read 15 Oct 2026 · bankflow.app
Security
Bankflow says browser communications use TLS 1.2 or later, stored data is encrypted at rest, and access to production systems and customer data is restricted to authorized personnel.Read 4 Oct 2026 · bankflow.app
Support
All plans include live chat and email support from the Bankflow team.Read 15 Oct 2026 · bankflow.app
License
The terms state that Bankflow and its underlying technology are owned by the company and protected by intellectual-property law.Read 15 Oct 2026 · bankflow.app
Maker
Launch Llama identifies Alan Mark as Bankflow's maker, and Mark describes Bankflow as a side project he started.Read 15 Oct 2026 · tools.launchllama.co
Accounting exports
Exports include CSV, XLSX, JSON, OFX, QBO and other accounting-system formats.Read 15 Oct 2026 · bankflow.app
API availability
API keys, the v1 API and webhooks are included on every plan, including Free.Read 15 Oct 2026 · bankflow.app
Auto-categorization
Transactions are automatically assigned categories and can be refined with user rules.Read 15 Oct 2026 · bankflow.app
Automated intake
Users can forward bank statement emails to a private import address, and Bankflow says it does not request mailbox login access.Read 4 Oct 2026 · bankflow.app
Cash flow
The cash flow view shows monthly income and spending plus runway at current burn, essentials-only burn, and with no income.Read 4 Oct 2026 · bankflow.app
Cash-flow analytics
Dashboards provide inflow, outflow, net-position, trend, category and merchant analysis.Read 15 Oct 2026 · getapp.com
Categorization
Transactions are categorized automatically, merchant names are resolved, and users can turn corrections into rules for future statements.Read 4 Oct 2026 · bankflow.app
Community listing
Launch Llama's listing recorded 41 community upvotes and an August 31, 2026 update.Read 15 Oct 2026 · tools.launchllama.co
Compliance limitation
Bankflow states that it has not completed its own SOC 2 audit; listed provider attestations cover infrastructure providers.Read 15 Oct 2026 · bankflow.app
Data retention
Source documents can be deleted after processing, while parser working text is automatically removed after 30 days.Read 15 Oct 2026 · bankflow.app
Documentation
Public documentation covers getting started, installation, settings, connected accounts, dashboard use and API reference material.Read 15 Oct 2026 · bankflow.app
Exports and integrations
Bankflow lists Excel, CSV, OFX, and QBO exports, plus accounting layouts or imports for QuickBooks, Xero, Sage, MYOB, and NetSuite.Read 4 Oct 2026 · bankflow.app
Import workflows
Users can upload files, forward emails, use client upload links or connect cloud-folder workflows.Read 15 Oct 2026 · bankflow.app
Input formats
The service accepts PDF, CSV, XLSX and JSON statements, plus photographed receipts and invoices.Read 15 Oct 2026 · bankflow.app
Installation
Bankflow is a progressive web app installable from browsers on Windows, macOS, Linux, Chromebook, iOS and Android without an app-store download.Read 15 Oct 2026 · bankflow.app
Invoice integrations
Invoices and receipts can be sent to QuickBooks and Xero as bills or CSV data.Read 15 Oct 2026 · bankflow.app
Limit: bank connectivity
Independent directory descriptions note that Bankflow does not connect directly to bank accounts and instead processes uploaded or forwarded statements.Read 15 Oct 2026 · capterra.com
Limit: credit usage
Credits are consumed per processed page, and documents with no extracted transactions still consume credits.Read 15 Oct 2026 · bankflow.app
Limit: service availability
The terms disclaim guaranteed uninterrupted access and say outages or maintenance may occur.Read 15 Oct 2026 · bankflow.app
Merchant intelligence
Bankflow normalizes merchant names and identifies recurring charges and duplicate merchants.Read 15 Oct 2026 · capterra.com
No native store app
The installation guide explicitly says there is nothing to download from an app store.Read 15 Oct 2026 · bankflow.app
Notable news
Bankflow's changelog records client workspaces and expanded statement-workspace search features on October 1, 2026.Read 15 Oct 2026 · bankflow.app
Praise: independent coverage
No repeated user praise is available because G2, Capterra, GetApp and Software Advice each show no user reviews.Read 15 Oct 2026 · capterra.com
Pricing limits
Paid-plan credits reset each billing cycle; oversized pages and unusually heavy documents can use more than one credit, while top-up credits roll over for six months.Read 4 Oct 2026 · bankflow.app
Privacy and retention
Bankflow says uploaded files are not permanently stored beyond the account, financial data is not used for advertising, and users can delete documents or wipe application data in Settings.Read 4 Oct 2026 · bankflow.app
Rating on Capterra
0.0 out of 5 from 0 reviewsRead 15 Oct 2026 · capterra.com
Rating on G2
0.0 out of 5 from 0 reviewsRead 15 Oct 2026 · g2.com
Rating on GetApp
0.0 out of 5 from 0 reviewsRead 15 Oct 2026 · getapp.com
Rating on Software Advice
No rating from 0 reviewsRead 15 Oct 2026 · softwareadvice.com
Runway projections
The product offers net-burn, essentials-only and full-burn cash-flow projections.Read 15 Oct 2026 · capterra.com
SDKs
The public API documentation provides cURL and JavaScript fetch examples; no official SDK package is listed.Read 15 Oct 2026 · bankflow.app
Security claims
Bankflow says API keys are stored as SHA-256 hashes and connected-account credentials use AES-256-GCM encryption.Read 15 Oct 2026 · bankflow.app
Security transport
Connections use TLS 1.2 or later and stored documents use AES-256 encryption through Cloudflare R2.Read 15 Oct 2026 · bankflow.app
Statement imports
It accepts PDF, CSV, and Excel statement files in batches and says no bank or template needs to be selected first.Read 4 Oct 2026 · bankflow.app
Statement verification
Imported statements are checked against balances and source-page rows before export.Read 15 Oct 2026 · bankflow.app
Technical architecture
The maker describes a monorepo with React, Express, Python parsing, worker processes, an admin panel and email ingestion.Read 15 Oct 2026 · alanmarkz.com
Transaction ledger
Each extracted transaction includes fields such as date, description, amount, balance and category.Read 15 Oct 2026 · capterra.com
Webhooks
Webhook events include statement.completed, transactions.created, statement.failed, statement.deleted and transaction.updated.Read 15 Oct 2026 · bankflow.app
What-if analysis
Users can model events such as losing a client or incurring a large one-off expense against their own history.Read 4 Oct 2026 · bankflow.app

Plans and prices

Free Free 50 credits one-time 1 client workspace · all features Read 15 Oct 2026 · bankflow.app
Starter $14.99 a month 300 credits a month Unlimited client workspaces · all features Read 15 Oct 2026 · bankflow.app
Pro $39.99 a month 1,000 credits a month Unlimited client workspaces · all features Read 15 Oct 2026 · bankflow.app
Business $99.99 a month 3,000 credits a month Unlimited client workspaces · all features Read 15 Oct 2026 · bankflow.app

Every Bankflow plan and price →

Strong points and limits

Strong points

  • Imports PDF, CSV and Excel statements in batches.
  • Models runway across three burn scenarios.
  • Corrections can become rules for future statements.
  • API access and webhooks are on every plan.
  • Plans include live chat and email support.

Limits

  • Free plan provides 50 one-time credits.
  • Paid credits reset each billing cycle.
  • Oversized pages may use more than one credit.
  • Bank synchronization is not available.

Who it suits

Bankflow suits small businesses that want to turn statement files into categorized transactions and cash-flow views without connecting a bank account. It may also suit teams that need accounting exports or API access.

Verdict

Bankflow focuses on statement-file intake, categorization and cash-flow analysis rather than bank synchronization. Check credit allowances against document volume, since unusually heavy files can consume extra credits.

Where Specifiction places it

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