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How to Detect a Fake Bank Statement

Signs of an edited or forged bank statement: balances that do not add up, font and layout edits, impossible dates, invalid IBANs and PDF metadata. Upload one statement for a free risk check. Login is required for file upload.

8 signs to check by hand Risk report on upload IBAN and account checks

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Only upload bank statements. Try it without an account: the AI review runs and you see the risk score. Create a free account to unlock the findings: your first full check is free. This is a review aid, not a final fraud decision.

Document intake

The file is saved server-side for a statement-only review job, retained for 24 hours after upload, and then pruned with its review artifacts. You can delete a completed review sooner through the review controls or API. A separate copy of each uploaded file is kept for fraud prevention for 12 months and is disclosed to law enforcement or other competent authorities only on a lawful request.

Account identifier cross-check

IBANs and supported domestic routing identifiers are checked independently from the AI review.

Structured report

The agent returns parseable JSON for score, evidence, inconsistencies, and next steps.

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Every completed review can be downloaded as structured JSON for case files, QA evidence, or API integration. Teams get predictable monthly capacity without turning a risk score into an automatic approval decision.

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8 signs of a fake or edited bank statement

Check these before you accept a statement for a tenancy, loan or onboarding decision. One sign is a reason to look closer; several together are a reason to verify directly with the bank.

  • Running balances do not add up: opening balance plus transactions does not equal the closing balance.
  • Fonts, spacing or alignment change inside the transaction list, a typical trace of edited amounts.
  • Dates that cannot exist, weekend salary payments on a fixed-weekday payroll, or a period that does not match the statement number.
  • The IBAN or account number fails its checksum, or the bank code in the IBAN belongs to a different bank than the logo.
  • Round, repeated amounts and salary credits from employers that leave no other trace.
  • PDF metadata shows an editor (for example a generic PDF tool) instead of the bank's statement system, or a creation date after the statement period.
  • Missing fields every real statement has: bank address, page numbers, statement period, sort code or BIC.
  • A screenshot or photo instead of the original PDF downloaded from online banking.
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How do you spot a fake bank statement?

Recalculate the running balance, compare fonts and alignment in the transaction list, check that dates and the statement period are possible, validate the IBAN or account number, and look at the PDF metadata. The check above flags mixed fonts inside amounts, invalid IBANs and missing fields for free; the AI review on paid plans also reads balances, dates and PDF metadata.

Can fake bank statements be verified?

An uploaded file can show risk signals but cannot prove authenticity. For a decision, verify directly with the bank or use open-banking account data with the applicant's consent.

Can this prove a bank statement is real?

No automated tool can prove authenticity from an uploaded file alone. IBANgen returns a risk score and evidence to support review.

What suspicious signals are checked?

The report can flag document-type mismatch, missing bank-statement fields, weak transaction structure, inconsistent amounts, invalid identifiers where present, and other visible review signals. Absence of IBAN alone is not a risk for non-IBAN jurisdictions.

Does the detector support screenshots?

Screenshots can be reviewed, but original PDFs downloaded from a bank portal usually provide stronger evidence for review.

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