Free AI tool · No sign-up
Will your bank statement get rejected?
Free AI check for the red flags embassies look for — then get plain-language explanations and a draft explanation letter you can attach. No signup.
Try a demo sample
Synthetic statements — no real bank data. Preview financial summary, checklist, risk flags, and explanations (templates if AI is offline).
Add the consulate and trip length to compare your balance against the published minimum. Explanations and letters use the language you pick (English templates if AI is unavailable).
Drop your bank statement or click to browse
PDF, XLSX, XLS, or CSV · text-based and scanned PDFs supported
Additional documents (optional)
Payslip, ITR / tax return, or FD certificate — we detect the type and update your checklist. Bank statement above is still required.
No sign-up. AI explains flags and can draft a letter — your file is never stored.
What the AI helps you do
AI plain-language explanations
Every flag gets a clear, personalized explanation of why an officer may ask questions — in English, Hindi, Filipino, Urdu, Arabic, and more.
AI draft explanation letter
One click turns flagged issues into a draft letter you can edit, print, and attach with your application — the #1 follow-up most applicants need.
AI action plan + officer Q&A
After the check, get an AI action plan and practice officer questions — then download a branded risk report to share with family or a consultant.
What we flag
Sudden large deposits
Unexplained credits late in the statement that are large relative to your prior average balance — a common reason officers ask for a source-of-funds letter.
Negative / overdraft days
Any day the running balance goes below zero. Overdrafts often weaken financial proof even if the closing balance looks fine.
Short statement history
Whether your file covers fewer months than the destination typically requires (e.g. 3 for Schengen, 6 for the UK).
Statement recency
Whether the closing date is recent enough — many consulates want statements issued within about 10 days of your appointment.
Flags are computed from your statement with clear rules; AI only explains them and drafts letters. This is not a guarantee of approval or rejection. Always confirm requirements with the relevant embassy or consulate.
After the check
Found a flag? Use the AI letter draft and risk report, then turn your export into an embassy-ready PDF — cover page, EUR conversion and highlighted average balance — with the Visa Application Bank Statement Formatter. Browse country requirements for the full checklist.
Frequently asked questions
No. It highlights patterns commonly scrutinized by visa officers. Our AI then explains those flags in plain language and can draft an explanation letter — it does not decide approval. Approval is at the consulate's discretion.