HOW IT WORKS
What happens when you upload it.
Say it is the company's
Every charge on that account starts as business, so you correct a handful instead of tagging hundreds.
Find what should not be there
The groceries and the school fees that went on the company card, before somebody else finds them.
Hand over a clean list
A CSV with the scope column and the bank's own wording, so every figure can be checked.
The test is per expense, not per account.
Nobody asks which account a charge came out of. Singapore and the UK ask whether it was incurred wholly and exclusively to earn business income. The US asks whether it was ordinary and necessary for the trade. Either way the question is asked of one expense at a time.
Which is why a company account is not the same thing as a clean set of books. Personal spending on it is not deductible just because of where it sat, and claiming it inflates the deduction. That is the kind of thing that draws a question rather than a fine, but it is still a question you have to answer.
Where a cost is genuinely mixed, only the business share is claimable. That judgement is yours, and this cannot make it for you. What it can do is put the charge in front of you instead of leaving it inside a total.
One decision per supplier.
Mark a supplier once and every charge from them moves with it, across what you have already imported and everything that arrives later. A year of statements is a few dozen decisions, not a few hundred.
When one charge is the exception, mark that row on its own. A supplier rule never overrules it, and a re-import cannot undo it.
Records you can still produce in five years.
Singapore asks you to keep supporting records for at least five years, and most places ask for something similar. A tidy category is not a record. The record is the line the bank printed.
So it comes out of the export next to ours, with the account, the date and the scope. One row answers the question:
Plain CSV, not a format that needs this product to open it.
What this is not.
Not accounting software. No invoices, no payroll, no double entry, no filing. Your accountant still does the accounting. This is the step before that, where a year of mixed card spending becomes a categorised list with the bank's own wording attached, which is the part they usually hand back to you.
- One personOne login. You cannot add a co-founder, an employee or your bookkeeper, and there are no permissions to give them.
- One companyOne set of books. Two companies means two separate accounts and no combined view. That is not built.
If either of those is what you came for, this is not the tool yet. Better you hear it now than after you have imported a year.