Collect the statements
Statements arrive as a banking download, as a scan of a printed statement, by upload or from a cloud folder. Classification recognises the statement and assigns it to account and period.
Document type bank statement
Every line becomes a record. Payment and document matched.
Bank statements differ by bank. PaperOffice reads paper, PDF and CAMT.053 in the same flow.
Date, payment reference, amount and running balance per line. Balances recalculated, payments matched.
No credit card No template per bank Balance check per statement
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How it works
From statement to reconciled bank entry.
Every bank uses its own layout, the route stays the same: read the lines, recalculate the balances, match payments to documents.
Read lines and balances
AI-OCR opens up scanned paper statements and smartphone photos. The IDP agent pulls account data, booking date, value date, purpose, reference, counterparty, amount and balance per row as fields, each with source location and confidence. When a CAMT.053 file is present, the fields are taken straight from the file without text recognition.
Reconcile and hand over
Opening balance, entries and closing balance are calculated against each other. Matching then looks for invoices and open items by reference, amount and counterparty. Anything ambiguous goes to review.
Ways into bank statement processing
- Web app Upload a statement and check every line against the original.
- Batch Read a full year of statements or several accounts at once.
- Workflow A new statement in the folder triggers extraction, matching and filing.
- REST API Hand statements over from your banking and pull the lines back.
- MCP Claude, ChatGPT and Cursor query transactions and balances directly.
- Mobile Photograph a printed statement on the road and submit it.
What this solution covers
More than date and amount.
A statement is a table with consequences: every line turns into a posting. These are the points PaperOffice covers.
- PDF, scan, photo and CAMT.053
Native PDF, scanned paper statement and smartphone photo, plus JPEG, PNG, TIFF, WebP and HEIC — and CAMT.053 as a structured file.
- Account and counterparty
Bank, account number, IBAN and BIC, holder, statement number, period, currency and the counterparty per entry.
- Transaction lines and balances
Booking date, value date, payment reference, reference number, amount and balance per line, plus opening and closing balance.
- Balance check with approval
Opening balance, entries and closing balance are calculated against each other. On a deviation the statement goes to review.
- Matching to documents
Entries are linked to invoices and open items by reference, amount and counterparty name.
- Handover to accounting
Transaction lines as CSV or as a record, through export, the REST API or a workflow into your system.
- Bank data with limited access
IBAN and turnover are stored encrypted, the workspace decides who may open and export which statement.
- Retention and log
Statements are filed with a retention period and versions, every change appears in the audit trail.
What PaperOffice solves it with
Six building blocks, one reconciliation.
Bank statement processing uses the same products and modules as the rest of your filing.
IDP Agents The IDP agent reads account details, every transaction line and the balances as fields. AI-OCR AI-OCR opens up scanned paper statements, including tables and the position of each line. Entities Entity recognition ties IBAN, company name and reference number together per entry. Financial Analytics Financial analytics put incoming and outgoing payments, open items and due dates side by side. Classification Classification spots the statement in the inbox and assigns it to account and period. Workflow Agents Workflow agents trigger extraction, matching and filing and report deviations.
Security and compliance
Bank data does not leave the EU.
A bank statement shows every payment, every partner and every balance. Processing, access and filing stay traceable.
EU data centerISO 27001SOC 2 Type IIGDPR
Security and compliance Location
Processing in our own EU data centers, no US cloud.
Encryption
AES-256 at rest, TLS 1.3 in transit.
Access
The workspace decides who may view and export the statements of an account.
Traceability
Every transaction line with source location, confidence and timestamp in the audit trail.
Questions about bank statement processing
What you should know before you start.
Do I need a template per bank?
No. The statement is read through layout and context, not through fixed coordinates. A new bank or a changed statement layout needs no setup.
Which formats can be read?
Native PDF, scanned paper statements and smartphone photos, plus JPEG, PNG, TIFF, WebP and HEIC. Structured CAMT.053 files following ISO 20022 are parsed directly, without text recognition. Multi-page statements run in one pass, and every row read carries source location and confidence.
Are all transaction lines captured, or only the totals?
Every line individually, with booking date, value date, payment reference, reference number, amount and balance. The totals are derived from them and checked against the closing balance shown on the statement.
What happens if the balance check fails?
The statement does not quietly move on. It goes to review together with the deviating line, where you see source location and confidence per field and decide yourself.
How are payments matched to invoices?
By the reference inside the payment text, by the amount and by the counterparty name. Clear matches are proposed, ambiguous cases go to a person.
How does the data reach our accounting?
As a record for export, through the REST API or through a workflow that hands checked transaction lines to your system. A single statement and twelve months take the same route.
Can we run several accounts and currencies?
Yes. Each statement is assigned to account and period, and the currency comes from the statement itself. Clients or departments can be kept in separate workspaces.
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