Bank statementfor SARS

Upload your bank statement PDF — AI categorizes income and expenses, ready for your SARS tax submission or audit.

CSV & Excel exportIncome vs. expensesAll SA banks supported

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Why analyze first

Prepare your bank statement for SARS

Tax return verification

Match your bank income to your ITR12. AI categorizes salary credits, freelance payments, and investment returns separately.

Audit preparation

Get a categorized summary of all transactions before a SARS audit — know exactly what is in your statement before they do.

Self-employed expenses

Automatically identify deductible business expenses vs. personal spending. Export a clean list for your tax practitioner.

Export for your accountant

Download all transactions as Excel or CSV — ready to hand to your tax practitioner or attach to your SARS submission.

Good to know

When SARS requests bank statements

Tax refund verification

SARS often requests 3–6 months of statements when you claim a refund, to verify the income and deductions you declared match your actual bank activity.

Audit or compliance review

If selected for audit, SARS may request up to 5 years of statements. Having these pre-analyzed saves time and helps you respond accurately.

Self-employed / freelancers

If you earn freelance or business income, SARS compares your stated income to bank deposits. Our tool separates business credits from personal transfers automatically.

Rental income

Landlords must declare rental income. SARS may verify this against regular monthly credits on your bank statement — our analyzer flags these automatically.

Pricing

Simple, transparent pricing

Free

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3 PDF pages / month
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Bank statement for SARS — FAQ

Do I need to submit bank statements to SARS?+−

SARS may request bank statements during an audit, verification process, or when you file for a tax refund. For eFiling submissions, you upload supporting documents directly. Having a clean, categorized bank statement makes it much easier to match income and expense figures to your tax return.

What does SARS look for in a bank statement?+−

SARS typically reviews bank statements to verify: declared income (salary credits, freelance payments), business expenses if you are self-employed, rental income, investment returns, and any unexplained large deposits. Our analyzer categorizes all of these automatically.

How many months of bank statements does SARS require?+−

For a standard tax year verification, SARS usually requests the full 12 months (March to February, following the SA tax year). For audits, they may request up to 5 years. Upload all your monthly PDFs and analyze them together.

Can I use this tool to prepare for a SARS audit?+−

Yes — upload your bank statements and get a full breakdown of income vs. expenses by category. This helps you reconcile figures before submitting to SARS and identify anything that needs explanation.

Does this work with all South African banks?+−

Yes — the analyzer works with statements from all SA banks: Capitec, FNB, Standard Bank, ABSA, Nedbank, TymeBank, and more. It also works with international banks if you have foreign income to declare.

Is the analysis free?+−

Your first 3 pages are free — no account needed. A typical monthly bank statement is 1–2 pages, so you can analyze one or two months at no cost. For a full tax year (12 months), upgrade to Basic or Pro.

Analyze your statement before SARS does.

Upload your bank statement PDF — get a full income and expense breakdown in 30 seconds. Free for your first 3 pages.

Analyze My Bank Statement Free →

✓ 3 pages free · ✓ No signup · ✓ Works with all SA banks