Uploading Bank Statements

How Uploading Works

WonderFunds uses a 5-step upload flow to import your bank transactions safely and accurately.

Step 1: Select Source and File

1. Choose the financial source this statement belongs to
2. Drag and drop your file or click to browse
3. Supported formats: CSV (all plans) and PDF (Pro and Expert)
4. Maximum file size: 10 MB

Step 2: File Processing

WonderFunds parses your file using a three-tier detection system:

1. Bank profile match: If your bank's format is known, parsing is instant and accurate
2. Heuristic detection: WonderFunds analyzes column headers and data patterns to identify the layout
3. AI structure detection: As a fallback, AI identifies the column structure

For PDF files, text is extracted and parsed by AI. Scanned or image-based PDFs are not supported.

Step 3: Review and Categorize

Each transaction is shown in a review table with an AI-suggested category:

• Confirm individual transactions or use Confirm All for high-confidence matches
• Flag uncertain transactions for later review
• Change category by clicking the category dropdown
• Batch actions: Confirm all, confirm high-confidence only, or flag uncertain

How Categorization Works

WonderFunds applies categorization in this order:

1. Your custom rules (Expert plan): Merchant pattern matching rules you've created
2. Learned patterns: Patterns learned from your previous corrections
3. AI categorization: AI assigns a category based on the merchant name and amount

Step 4: Confirm and Save

Click Confirm to save all reviewed transactions. WonderFunds also:

• Detects own-account transfers (e.g., moving money between your checking and savings)
• Learns from your corrections to improve future categorization

Step 5: Summary

See a summary of what was imported:

• Number of transactions imported
• Number of duplicates skipped
• Number of flagged transactions for review

Deduplication

WonderFunds automatically detects duplicate transactions by comparing date, amount, and merchant name. If you upload the same statement twice, duplicates are skipped.

Troubleshooting

"No transactions found"

• Make sure your CSV has a header row
• Check that the file contains transaction data (date, amount, description columns)
• Try a different export format from your bank

"Unsupported file format"

• Only CSV and PDF files are accepted
• PDF parsing requires a Pro or Expert plan
• Scanned PDFs (images of statements) are not supported

Wrong columns detected

• If the automatic detection picks wrong columns, try exporting a different CSV format from your bank
• Contact support if your bank's format is consistently misdetected