Understand every transaction from your PDF bank statements. Prove every number.
ScrutiBank is the only forensic-accounting desktop app that automatically categorises every transaction from your PDF bank statements, traces money across unlimited accounts, and generates custom court-ready reports — all in seconds, fully on your computer. Your data never leaves your device.
What makes ScrutiBank different
Four capabilities you won't find in any other forensic-accounting tool — combined in one private desktop app.
Automatic transaction categorisation
Every transaction in every statement gets labelled automatically — groceries, salary, rent, transfers between your own accounts, undisclosed assets. No other consumer-grade forensic tool categorises bank statements at this granularity, and it all happens locally on your machine in seconds.
Custom forensic reports
Build monthly, yearly, or multi-year reports tailored to your case. Pick the accounts, the date range, the categories, and ScrutiBank assembles a court-ready PDF or Excel exhibit with totals, narrative, and supporting transaction tables — ready to hand to a judge or counterparty.
Multi-account money flow tracing
Link unlimited accounts across banks, currencies, and entities. ScrutiBank reconstructs the chain of transfers automatically, flags circular payments, and highlights money that lands in accounts that weren't disclosed up front.
100% local processing
Statements are parsed, categorised, and reported entirely on your own computer. There is no cloud upload, no API call to a third-party LLM, no remote storage. Your most sensitive financial data never leaves the machine you're sitting at.
Spot tampered & AI-faked bank statements
Editing a PDF bank statement — or generating a fake one with AI — has never been easier. ScrutiBank now screens every statement you import for the tell-tale signs of manipulation and gives each file a clear tamper-risk rating, so you know which numbers you can trust before you build a case on them.
Content added after creation
Flags statements that were modified, annotated, or re-saved after the bank issued them — the most common tampering signal.
Software & metadata forensics
Checks which program produced the file and whether its history matches a genuine bank export — not a photo editor or a document generator.
Opens password-protected PDFs
Import statements your bank encrypts with a password — entered on your device only, never uploaded — and analyse them like any other file.
Every finding is an indicator, not a verdict. ScrutiBank shows you exactly why a file was flagged so you can investigate further — some banks legitimately use the same tools, so a warning is a prompt to confirm with the issuing bank, never proof of fraud on its own.
Reconstruct money flow chains automatically
ScrutiBank uses advanced pattern matching to trace transactions across multiple accounts and entities. It builds a high-fidelity visual map that helps you discover suspicious transfers and hidden financial connections in seconds.
Cross-Account Mapping
See how funds travel through different banks and intermediaries in one unified view.
Suspect Discovery
Our AI flags circular payments and irregular transfer patterns for your immediate review.
Every euro in and out, categorised at a glance
One picture tells the whole story. ScrutiBank reads your statements, sorts every transaction into categories and sub-categories, and reconciles total money in against total money out — so income sources, spending patterns, and oversized or unusual flows are obvious without reading a single line of the statement.
Automatic categorisation
Every transaction sorted into categories and sub-categories on your device — no manual tagging.
Money in vs money out
Income sources and total spending reconciled side by side, so the gaps are impossible to miss.
Outliers stand out
Ribbon width tracks the euros, so a single oversized or unusual flow jumps out for review.
Financial analysis doesn't have to be a nightmare
Traditional methods of tracing money are slow, expensive, and prone to mistakes. We built a better way.
The "Excel" Trap
Manually cleaning bank statements in spreadsheets takes days. One copy-paste error can ruin your entire investigation.
The "Expert" Cost
Forensic accountants are powerful but cost thousands. Most people need answers now, not after a six-week billing cycle.
The ScrutiBank Way
Forensic-grade analysis at your fingertips. Automated, accurate, and ready in seconds on your own private desktop.
From Financial Chaos to Court-Ready Clarity
The High Cost of Hidden Data
A single bank statement can contain thousands of uncategorized transactions in just a few months. When multiple accounts are involved, that number quickly grows to hundreds of thousands—or even millions.
Add cross-border accounts with different languages, formats, and structures, and the complexity becomes overwhelming. For most, Excel isn't just time-consuming—it's nearly impossible to do accurately.
"Financial decisions—such as alimony or legal settlements—can be based on misleading information. The only alternative is often hiring a forensic analyst, costing between €300 to €500 per hour."
ScrutiBank changes this completely.
By automatically categorizing transactions and linking unlimited accounts, ScrutiBank gives you a complete, accurate, and transparent view of your finances in seconds.
- Eliminate manual Excel errors
- Zero forensic consultant fees
- Instant multi-currency mapping
Simply drag, drop, and breathe
Bringing your files into ScrutiBank is as easy as moving a photo. Just drag your bank statements from your computer. We handle the heavy lifting of organizing everything for you, and it all stays private on your own machine.
Understanding where the money went
We help you spot the things that matter without you having to dig through rows of numbers. See transfers and connections instantly, making it easy to identify what's important.
Get answers through simple visuals
Stop guessing and start seeing. Our visual maps show you exactly how funds moved from one place to another. It's like having a GPS for your bank data.
Full Financial Audit Report
Generate comprehensive, court-ready reports in seconds.
Peace of mind.
Your data stays with you.
Completely Private
We never see your bank data. Your bank statements data never leave your computer—everything is processed right on your own machine, so your information stays exactly where it belongs: with you.
Fast and Responsive
Because it runs on your desktop, there's no waiting for websites to load. See your results instantly, even with thousands of transactions.
Works Where You Work
A native app built specifically for macOS and Windows, designed to feel comfortable and familiar from the very first click.
Simple. Safe. Desktop.
ScrutiBank is a friendly, powerful app for your computer, designed to make sense of financial mess without the headache.
Ready to see the full picture?
Download ScrutiBank for macOS or Windows today and start finding answers — your first 200 transactions are free, with no signup required.