What FLOW Finds in Your Bank Statement in 60 Seconds
Upload one exported bank statement, PDF or CSV, and in about a minute FLOW lists every recurring charge running through your account: subscriptions you forgot, free trials that quietly started billing, prices that crept up, card and bank fees, foreign-exchange markups, and the small repeat habits that add up. No bank login. The first report is free, so you can see the value before you decide anything.
The things one statement quietly reveals
Most of us never read a full month line by line. We scan for the rent and the big card payment, then close the app. The leaks live in the rows we skip. Here is what surfaces when something actually reads every line.
- Forgotten subscriptions. The app you tried in January, the streaming service nobody opens, the cloud storage tier you upgraded once and never touched again. They do not announce themselves. They just renew.
- Duplicate subscriptions. Two music apps. A standalone tool plus the bundle that already includes it. A plan you pay for on the web and again through an app store. Easy to miss, because each charge looks reasonable on its own.
- Free trials that converted. The thirty-day trial you meant to cancel became a real monthly charge on day thirty-one. It rarely emails you. It just appears as a normal line.
- Creeping price rises. A subscription that was €7.99 last year is €10.99 now. Nobody decides to pay more. The increase simply arrives, one quiet step at a time.
- Recurring bank and card fees. Account maintenance, card fees, ATM charges, payment fees on certain merchants. Individually small, monthly forever.
- FX markups. Spending abroad or in another currency often carries a markup baked into the rate. You see one number on the statement and never the spread hidden inside it.
- Small daily habits. The coffee, the delivery fee, the convenience charge. None of them matter alone. Counted across a month, they are often the largest line of all.
How FLOW reads your statement
FLOW parses the file you upload and groups transactions by merchant and pattern. It looks for repetition: same payee, regular cadence, similar amount. From that it separates the genuinely recurring from the one-off, flags trials that turned into charges, and detects when a familiar amount has climbed over time.
Then it ranks everything by impact, so the line costing you the most each year sits at the top, not buried under twenty trivial ones. Each item comes with a first action: cancel, downgrade, switch to annual, dispute a fee, or move foreign spending to a cheaper rail. You are not handed a spreadsheet to interpret. You are handed a short, ordered list of decisions, with the highest-value one first.
What you do not have to give up
FLOW is built privacy-first, and that is not a slogan, it is how it works.
- No bank login. You never hand over banking credentials or connect an open-banking feed. You export your own statement and upload it. That is the whole input.
- You can redact. Black out your account number, your name, anything you do not want to share. FLOW only needs the transaction lines to find patterns.
- Encrypted. Your file is handled over an encrypted connection.
- Delete before you pay. Run the free report, read it, and if you want, delete your data before any payment. The value is meant to be visible first.
An illustrative example
Here is a made-up monthly statement, shown only to make the math concrete. This is an example, not a claim about your account or a typical result.
- Streaming service you forgot: €9.99
- Second music app, duplicate of the first: €6.99
- Trial that converted to a paid plan: €12.00
- Subscription that crept from €7.99 to €10.99: €3.00 of pure increase
- Monthly account and card fees: €4.50
- FX markup on foreign spending: roughly €5.00
That is about €41 a month in this example, or close to €490 a year, before you touch the daily small habits. Your real numbers will differ. The point is that leaks this size hide inside ordinary statements, and you cannot act on what you never see laid out in one place.
An honest note
FLOW is early, and we built it free-first on purpose. You get a real report at no cost so you can judge it on your own statement. If it finds nothing worth more than its price, you should not pay, and you can delete your data before you do. We would rather earn the upgrade than assume it.
Ready to see what is leaking from your own account? Run a free report with VESTELON FLOW and read your first statement in about a minute.
Common questions
Do I have to connect my bank?
No. FLOW never asks for a bank login or open-banking access. You export a statement yourself, as a PDF or CSV, and upload that single file.
What if I do not want to share my account details?
Redact them. Black out your account number, name, or anything sensitive before uploading. FLOW only reads the transaction lines to find recurring charges and fees.
Is the first report really free?
Yes. The first report costs nothing, and you can delete your data before any payment. The idea is that you see the value before you ever decide to pay.
Upload one bank statement. FLOW shows exactly where your money leaks today, what it is worth once you redirect it, and the year it could set you free. Not another tracker: a plan you can act on.
Get my free reportFree first report · No card needed · No bank login · Delete anytime · GDPR-firstRelated guides
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