How accurate is BankTidy? We ran it on 15 real statements — including a credit card.

Not a demo, not cherry-picked screenshots — actual bank, business-account and credit-card statements from 7 institutions across 3 countries, scored by the one metric you can't fake.

real statements

100%

reconciled to the penny

institutions

countries

Every statement reconciled to the penny. All 15. Zero discrepancy.

Across ~187 transactions — from a business credit card and a 2-line summary to a 79-line Spanish-language statement from an Ecuadorian bank, and a scanned US statement other tools can't read. Each one's extracted transactions tie out exactly to the printed balance.

Why "reconciled" is the honest metric

For every bank statement, BankTidy adds the opening balance to the sum of every transaction it extracted and compares the result to the printed closing balance. A credit card carries no running balance, so there the same check uses the card's own identity: previous balance, plus purchases, fees and interest, minus payments and credits, must equal the printed new balance. If they match to the penny, the statement reconciles — which is only possible if every transaction was captured, with the right sign, and no line was invented. Miss one row, flip one sign, or hallucinate a number, and the total won't tie. It's a self-proving test, which is why we publish it instead of a softer "fields detected" score — and why every statement below carries a green check earned by the math, not by our say-so.

Full results — every statement in the test

Institution	Country	Account / format	Txns	Result
Bank of Montreal (BMO)	Canada	Business chequing	23	Reconciled ✓
Bank of Montreal (BMO)	Canada	Business chequing	2	Reconciled ✓
Bank of Montreal (BMO)	Canada	Chequing (French)	15	Reconciled ✓
Western Alliance Bank	USA	Money market	3	Reconciled ✓
Western Alliance Bank	USA	Operating account	25	Reconciled ✓
Royal Bank of Canada (RBC)	Canada	Chequing	10	Reconciled ✓
Royal Bank of Canada (RBC)	Canada	Chequing	4	Reconciled ✓
Royal Bank of Canada (RBC)	Canada	Chequing	2	Reconciled ✓
Royal Bank of Canada (RBC)	Canada	Digital Choice business	3	Reconciled ✓
Royal Bank of Canada (RBC)	Canada	Chequing	8	Reconciled ✓
Royal Bank of Canada (RBC)	Canada	Business Visa (credit card)	2	Reconciled ✓
Banco Bolivariano	Ecuador	Business (Spanish)	79	Reconciled ✓
National Bank of Canada	Canada	USD account	2	Reconciled ✓
Stripe	USA	Payout statement	8	Reconciled ✓
City National Bank	USA	Scanned PDF	1	Reconciled ✓

Every statement in the test set is shown above — nothing dropped to flatter the number.

Methodology

Each statement ran through the exact production engine at app.banktidy.com — the same code path any customer uses, one attempt each, no cherry-picked reruns.
"Reconciled" means opening balance + sum of extracted transactions = printed closing balance, to the cent (zero discrepancy).
Scope: this benchmark covers bank, business-account and credit-card statements. Bank statements reconcile as opening balance + transactions = closing balance; credit cards reconcile as previous balance + charges - payments = new balance. Both are documents bookkeepers reconcile every month.
Statements are real (personal and client documents); we publish the institution and format, never the account holder, account number, or the documents themselves.

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Benchmark run July 2026 on the live BankTidy engine. This page reports exactly what happened on a fixed set of 15 real statements; results on other statements will vary. Output is unaudited and intended for bookkeeping use — verify before filing.
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