What this tool does (in one minute)

This page gives you a fast, private way to understand your money coming in and out of your Royal Bank of Scotland accounts. Upload your CSV or OFX/QFX file, and the analyzer will standardise columns, auto-categorise transactions, spot subscriptions and repeating bills, and generate a tidy export you can reuse in budgeting apps or for tax prep. Because the processing happens in your browser, nothing is uploaded to our servers. You can clear the session any time by hitting Delete data. The design is practical: a clean import, straightforward insights, and an export you can trust.

How to export your RBS statements (web & mobile)

Exporting a statement from RBS is simple once you know where to click. The steps below work for most current accounts and credit cards. If you can’t see the exact labels, look for similar wording—banks occasionally refresh their UI. We recommend exporting the last 12 months for a useful overview, or 3–6 months for a focused review of recurring costs.

RBS Online Banking (web)

1. Sign in at the RBS online banking portal and choose the account you want to export.
2. Select a date range (last 3/6/12 months or a custom period).
3. Click Download / Export and choose CSV for best results. Tip CSV preserves headers and works with this tool and Excel/Sheets.
4. Save the file, then return here and drop it into the uploader above.

RBS Mobile App (iOS/Android)

1. Open the app → pick your account.
2. Find Statements / Documents or Export transactions.
3. Choose a period and export as CSV. If the app only offers PDF, you can still try the file—but text-based PDFs work better than scanned PDFs.

RBS CSVs commonly include columns: Date, Type, Description, Money in, Money out, and Balance. Dates are usually DD/MM/YYYY. If your file looks different, you can still import it: the analyzer will attempt to map columns automatically.

How the analyzer works (and why it’s private)

The tool converts your RBS statement into a standard format: date, amount (signed), currency, merchant, category, and balance if available. For RBS CSVs with separate debit/credit columns, we resolve a single signed amount where money out is negative and money in is positive. We then normalise merchant names (e.g., trimming reference strings) and apply rules to detect obvious categories like groceries, transport, eating out, utilities, rent/housing, subscriptions, and fees. Finally, we surface recurring charges by scanning for repeated merchants at monthly or weekly intervals.

Everything happens locally in your browser tab. We don’t upload, store, or share your files. If you refresh the page or click Delete data, your session clears. This privacy-first design makes the tool suitable for sensitive statements and also reduces friction—you can get answers without creating an account or handing data to a third party.

RBS preset mapping (columns we expect)

Here’s the default mapping used for most RBS CSV downloads. You can import files that vary slightly; the analyzer attempts a best-match when exact headers aren’t present.

If your CSV only has a single Amount column with negative values for debits, that also works. For OFX/QFX, we read <STMTTRN> blocks, capture <DTPOSTED>, <TRNAMT>, and <NAME>, and then normalise the date and amount.

Insights you’ll get (and how to use them)

The first thing most people check is the month-by-month net—what’s left after income minus outgoings. The analyzer shows totals at the top and a category breakdown so you can quickly see where money goes: groceries, eating out, transport, shopping, utilities, housing, entertainment, health, fees/charges, and transfers. The recurring detector highlights likely subscriptions and bills: streaming services, mobile plans, cloud storage, gym memberships, and recurring donations. This is the fastest way to find charges you no longer need or forgotten trials that turned into monthly fees. You can rename any category inline and export the updated data as a clean CSV for budgeting apps or a spreadsheet.

For tax prep and reimbursements, use the export to filter specific categories and merchants across the year. If you’re self-employed, tag business-related items and export a separate spreadsheet to keep costs tidy. When in doubt, keep the original bank file as well as the tidied export—you’ll appreciate the paper trail later.

Known RBS quirks (and how we handle them)

• Debit/Credit split: RBS CSV commonly separates Money in and Money out. We convert that cleanly into a single signed amount so charts and pivots behave.
• DD/MM/YYYY dates: If you see dates flipped, set the date format dropdown to DD/MM/YYYY (default) before analyzing.
• References in Description: We trim trailing codes (e.g., strings of numbers, authorisation tokens) so merchant names are readable.
• Balance drift: If a balance column is present, we include it in the export; if not, we leave it blank rather than guessing.
• Duplicate lines: We collapse exact duplicates unless they differ by amount or sign.

Privacy & security

This tool is designed with a **privacy-first** approach. Parsing runs in your browser tab and does not leave your device. We don’t log uploads, and there’s no account to create. If you share a device, use your browser’s private window and click Delete data before you close the tab. For more information, see our Privacy Policy.

Frequently asked questions

Do you store my RBS statement?

No. Files are processed locally in your browser and never leave your device.

Which formats work best?

CSV is ideal. OFX/QFX works for most accounts. Image-based PDFs are not supported here—use your RBS CSV export for best results.

Can I edit categories?

Yes. You can rename categories and click Download cleaned CSV to save your changes.

How do you detect subscriptions?

We look for repeated merchants at monthly/weekly intervals with similar amounts (e.g., streaming services, phone bills, gyms). You can confirm or ignore suggestions.

What about joint accounts and transfers?

Transfers between your own accounts are tagged as Transfers so they don’t inflate spending totals.

Is this financial advice?

No. The analyzer is an informational tool. For personal advice, speak to a qualified professional.

Where can I use the export?

Anywhere that accepts CSV: spreadsheets, budgeting apps, or your own records. Keep the original file for reference.

Can I use this for business expenses?

Yes—filter by category or merchant and keep a separate export for tax time. Always retain receipts where required.

Changelog (RBS)

• v1.0 — Initial release with CSV + OFX support, recurring detection, clean CSV export.