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Fake Bank Statement Detector

Upload a bank statement PDF or image and get a risk score. The detector looks for edit traces in the PDF, balances and dates that do not add up, fonts that change inside the transaction list, and IBANs or account numbers that fail their checks. The first check needs no account.

PDF edit traces Balances, dates and fonts 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. A free account adds the finding titles and the full PDF inspection; the complete report is $19. This is a review aid, not a final fraud decision.

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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.

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.

Statement Intelligence

From one upload to a repeatable review workflow.

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.

View multipart API and polling contract
Weekly reviews Statement Checks 100 $49/month 100 reviews / month Choose 100 checks

What the fake bank statement detector checks

Each upload goes through three independent checks. Together they show whether a statement looks like an original download from online banking or a file that was changed afterwards.

  • PDF structureThe program that produced the file, its creation and modification dates, saves made after the original was created, the edit history, embedded fonts and text placed on top of the page.
  • Account numbersIBANs are checked against their checksum and country format, US routing numbers against the ABA checksum. These checks are exact and do not use AI.
  • The document itselfAn AI review reads the statement like a reviewer: is it a bank statement at all, does the bank identity fit, do the running balances, transaction dates and amounts add up, and do fonts or alignment change inside the transaction list.
  • Risk score with evidenceA score from 0 to 100 with the findings behind it, so you can accept the statement, ask for the original PDF or verify with the bank.

How the check works

One statement per upload, a result in minutes, and a clear next step.

  • Upload one statementDrop a PDF or image of a single bank statement. The original PDF from online banking gives the most evidence, because screenshots and photos hide the PDF structure.
  • Read the risk scoreWithout an account you see the score. A free account adds the finding titles and the full PDF inspection.
  • Decide what to do nextA low score is a reason to ask for the original PDF or to verify with the bank. Unlock the complete report when you need every finding for a case file.

Who uses a fake bank statement checker

Anyone who accepts a bank statement as proof and cannot call the bank for every file.

  • Landlords and letting agentsCheck the statement a tenant sends as proof of income or savings before signing a lease.
  • Lenders and brokersPre-screen statements in loan and mortgage applications before underwriting spends time on them.
  • Onboarding and KYC teamsTriage statements uploaded for proof of address or source of funds, and keep the JSON report in the case file.
  • Marketplaces and employersReview statements used to prove payouts, balances or salary payments.
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Is the fake bank statement detector free?

Yes. The first check needs no account and shows the risk score. A free account adds the finding titles and the full PDF inspection. The complete report with every finding is part of the $19 pack of 10 checks (valid 14 days); teams use 100 checks a month for $49 or 400 checks with API access for $149.

How does it detect a fake bank statement?

Three checks run on each upload: the PDF structure (which program made the file, dates, saves after creation, fonts and text laid over the page), the account numbers (IBAN and US routing checksums) and an AI review of the document itself (bank identity, statement period, running balances, dates, amounts and fonts inside the transaction list).

Is the check done by AI?

Partly. An AI model reviews the document the way a reviewer would. The PDF structure inspection and the IBAN and routing number checks are deterministic and do not depend on the AI.

Can it prove a bank statement is real?

No. No automated tool can prove that an uploaded file is genuine. You get a risk score and the evidence behind it. For a high-risk or high-value decision, verify directly with the bank or use open-banking account data with the applicant's consent.

Which files can I upload?

One bank statement per upload as PDF, PNG, JPG, JPEG or WEBP, up to 8 MB. The original PDF downloaded from online banking gives the strongest evidence; screenshots and photos can be reviewed but hide the PDF structure.

Does it work for any bank or country?

Yes. The review works for statements from any bank. IBANs are validated for IBAN countries and routing numbers for US banks; a statement without an IBAN is not treated as suspicious in countries that do not use IBANs.

Can I check bank statements by API?

Yes. The Statement Checks 400 + API plan includes an API: upload one file, poll for the result and receive the risk report as JSON.

Statement risk report

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