Find duplicate charges in your bank statement

Upload a bank or credit card statement. Get likely double charges with the merchant, amount, dates, reason, and possible extra cost.

Drop your bank statement hereUpload your bank statementorFind duplicate chargesPDF from any bank. Scans and photos work too.

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1,000+ statements analyzed · View sample duplicate report

See possible duplicate charges in context

Net saved in October 2024

$2,868
+37.2% of income

Income

$7,712

Spent

$4,844

Activity

47 tx · ~$103/day

Find money you're leaving on the table

$215/mo$2,580/yr
$

Cancel unused subscriptions

3 services you haven't used in 60+ days

$47
$

Switch to cheaper phone plan

You're overpaying vs similar usage profiles

$35
$

Cook 3 more meals per week

You averaged $42/meal eating out — 18 times this month

$133

Ask your statement anything

Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.

See where every dollar went

$4,844 across 7 categories

Total spent$4,844
Housing$1,850
Dining$765
Shopping$683
Transport$504
Utilities$422

Your financial health, scored

87/100
Excellent
Savings Rate37.2%
Spending ControlGood
Subscription Load$349/mo
Emergency BufferStrong

Spot hidden recurring charges

8 subscriptions found · $349/mo

N
Netflix$15.99
S
Spotify$10.99
C
ChatGPT Plus$20.00
$4,188/year if you keep them all$349/mo

What does a duplicate charge finder check?

A duplicate charge finder compares merchant names, exact amounts, and transaction dates across a bank statement. It highlights repeated payments that do not follow a normal billing schedule, while filtering out subscriptions, transfers, and other expected activity. Each result is a review signal, not proof that a charge is incorrect.

Possible duplicate

Best Buy — charged twice

  • Jun 12 · 14:02$89.99
  • Jun 12 · 14:03$89.99

Same merchant, same amount, one minute apart. No monthly pattern.

Possible extra cost$89.99

Find double charges without mistaking every repeat for an error

The useful question is not simply whether an amount repeats. It is whether the merchant, timing, and billing pattern make that repeat suspicious.

Same merchant and exact amount

Two or three identical payments to the same merchant are grouped together before the pattern is reviewed.

Charges posted close together

Repeated charges within a few days are more suspicious than payments following a normal monthly or weekly schedule.

No regular billing cadence

Stable subscriptions, utilities, rent, loan payments, and other expected repeats are filtered out to reduce false alarms.

Merchant payment, not money movement

Transfers, top-ups, cash withdrawals, brokerage funding, and internal account movements are excluded from duplicate candidates.

How to check a statement for duplicate transactions

  1. Upload the statement

    Use a PDF or clear image from a bank or credit card account. You do not need to connect your bank.

  2. Repeated charges are compared

    The report groups same-merchant, same-amount payments and checks their timing and cadence.

  3. Review the duplicate-charge alert

    Likely duplicates appear with the merchant, amount, dates, confidence, reason, and possible extra cost.

  4. Confirm before disputing

    Check the original entries in your banking app. A pending authorization, reversal, or legitimate repeat can look duplicated at first.

Check your statement for duplicate charges

Upload the PDF once and review possible double charges inside the full transaction report.

Bank statement analyzer pricing

Your first upload is free. Pay once for a single statement, or subscribe if you have many.

Pass

$7once

One statement · no subscription

  • 1 upload, up to 100 pages
  • Every transaction, categorized
  • Subscriptions and savings found
  • Report kept for a year
Try it free first

Pro

Most popular
$12/ month

$144 billed yearly · save 37%

  • Everything in Pass, plus
  • 100 pages every month (~20 statements)
  • Reports kept for as long as you want
  • Priority support

Business

$31/ month

$372 billed yearly · save 37%

  • Everything in Pro, plus
  • 500 pages every month (~100 statements)
  • Never blocked: $0.08 per extra page
  • REST API with your own keys
Your file stays privateSecure checkoutCancel subscriptions anytimeInvoice with every paymentMoney-back guarantee

Duplicate charge finder —
questions & answers

How does the duplicate charge finder work?

Upload a bank or credit card statement. The report groups transactions with the same merchant and exact amount, checks how close together they occurred, filters out regular bills and transfers, and flags the repeats that look most like duplicate charges or billing errors.

Where do duplicate charges appear in the report?

Likely duplicates appear in a dedicated alert with the merchant, amount, number of repeats, transaction dates, confidence, reason, and estimated extra amount. The same report also keeps the surrounding transactions available for context.

Is the duplicate charge finder free?

You can upload one statement as your one free upload without connecting a bank account. The free allowance is one upload total, ever. Paid plans provide higher page limits per billing cycle and full report access.

What counts as a possible duplicate charge?

The strongest signal is the same merchant charging the exact same amount two or three times within a short window, without a normal weekly or monthly cadence. Every flag still needs to be checked against the original account activity.

Are recurring subscriptions treated as duplicates?

Not when they follow a stable billing schedule. Monthly subscriptions, utilities, rent, mortgage payments, installments, and other expected recurring charges are filtered out unless the timing looks genuinely unusual.

What should I do if I was charged twice?

First check whether one entry is still pending, reversed, or refunded. If both charges settled and only one purchase was made, contact the merchant. If the merchant cannot resolve it, contact your bank or card issuer promptly and follow its dispute process.

Does it work with credit card statements and any bank?

Yes. It works with transaction-based bank and credit card statements from banks worldwide. Upload a PDF or a clear JPG or PNG image.

Something else on your mind? Write to contact@mybankstatementanalysis.com.

Check your statement for double charges

Upload a bank or credit card statement and see every likely duplicate with its dates and possible extra cost. Your first upload is free.