Ledgerline Ask for a seat

A bank export in.
Invoices out.

Ledgerline reads the statement file your bank already gives you — CSV, OFX or a PDF — sorts every line, matches each payout to the client who sent it, and drafts the invoices with the expense categories filled in. You check them and send them.

Ask for a seat See it run on one statement
  • Reads CSV, OFX and PDF
  • £9 a month after the free plan
  • Your file is deleted after 30 days

Four lines off a real export, read in the open

This is what the screen looks like after one April statement is dropped in: two payouts matched to invoices, one payment it would not guess at, and one software subscription filed as an expense.

Statement · April 2026 · 4 of 118 lines

Matched 2 · Needs you 1 · Filed 1

  1. 02 Apr FASTER PAYMENT RECEIVED — HOLLOWAY PRESS £2,310.00 Matched

    Invoice 014 drafted, dated 02 Apr: three placements, £770.00 each.

  2. 04 Apr STRIPE TRANSFER — PENSHAW STUDIO LLP £1,150.00 Matched

    Invoice 015 drafted: brand identity, one line, £1,150.00.

  3. 07 Apr FPS RECEIVED — REFERENCE NOT FOUND £960.00 Needs you

    Left open on purpose. Two of your clients pay in £480.00 halves; name the payer and the next statement remembers it.

  4. 09 Apr ADOBE SYSTEMS SOFTWARE IRELAND −£54.99 Filed

    Expense: software subscriptions, 100% business use, VAT noted.

Sample data. This statement is invented for the page — it is not a customer's, and the four lines above are the whole claim: £3,460.00 invoiced, £54.99 filed, one question asked.

How it works, in the order it happens

1 · Drop in the file
Export from your bank the way you normally would and drop the file on the page. Up to 5,000 lines at a time. Nothing connects to your bank account, because there is no connection to make.
2 · It reconciles the payouts
Incoming payments are matched against what is still outstanding, by amount, by date window and by payer name taken off earlier statements. One payment can clear several invoices and several payments can clear one. Where a match is ambiguous the line is left open for you rather than guessed at.

£2,310.00 in · 770.00 × 3 = 2,310.00 out · Invoice 014 goes out with three lines, not one lump. The arithmetic you would have done on a pad, done once.

3 · You check, then send
Every invoice is drafted, never sent behind your back. Read it, fix what is wrong, and export a PDF or send it from your own address. The corrections you make are the ones that carry into next month's statement.

What it reads, and how well it reads it

  • Bank CSV most accurate

    Monzo, Starling, Revolut, Tide, Wise, Barclays, HSBC, Lloyds, NatWest and Metro Bank exports go straight in. An export we have not seen before usually works first time; when the columns are odd we say which line broke instead of shifting everything up by one.

  • OFX and QFX accurate

    The single file most high-street banks and Quicken produce. Read without a conversion step in between, which matters because conversions are where amounts get flattened.

  • PDF statements with caveats

    Text PDFs read cleanly. Scans and phone photographs go through OCR, which is slower and the least reliable thing here: if a page fails, that page is listed as failed and left out. A missing line you can see is better than a plausible wrong one.

  • What it ignores

    Receipt photos, PayPal fee breakdowns and crypto wallets are out of scope. Personal current accounts are fine — only the lines you mark as business end up in an invoice or a category.

Where it stops

Software that sits near your tax position should say where it ends. These are the edges, written down before you send anyone a file.

  • No filing. It does not submit anything to HMRC — no Self Assessment, no VAT return, no Making Tax Digital. It produces the numbers and the invoices; you or your accountant file them.
  • No tax advice. It will not tell you what you are entitled to claim. It shows what left the account, how it was categorised and what VAT was charged. Whether that categorisation is right for you is a conversation with your accountant.
  • No bank connection. No Open Banking, no read-only mandate, no credentials to hand over. You upload a file; the file is read; the file goes.
  • No invented payers. An unmatched payment stays open until you name it. A wrong client printed on an invoice costs more to fix than an empty cell costs to fill.
  • No payroll, no CIS, no company accounts. This is for sole traders and small limited companies who invoice clients — the shape it fits properly.

What happens to your statement

  • Uploaded over TLS, encrypted at rest, and deleted from the processing store 30 days after upload unless you save it to a tax year.
  • Never sold, never used to train a model, and read by a person only when you ask support to open one specific file.
  • No credentials to leak, because the product never asks for any.
  • Take it all back whenever you like: invoices as PDF, categories as CSV. Deleting the account deletes the files, not just the links to them.
  • UK GDPR: your file is processed on the basis of the contract with you. The sub-processor list is on request — it names two companies and what each of them touches.

Pricing

Per person, not per invoice. Prices in pounds, VAT not included, written for the 2026/27 tax year. There is no card on the free plan and no card to ask for a seat.

Free

£0

One statement a month, up to 60 lines, invoices as PDF carrying a small Ledgerline footer. Enough to run a real month through it before deciding anything.

Start on a real month

Solo

£9 a month

Unlimited statements and clients, expense categories with VAT, your own invoice footer and numbering, and every correction kept for the next statement. £90 a year if you would rather pay once.

Ask for a seat

Studio

£24 a month

For you and your bookkeeper: a read-only link your accountant opens without an account, shared categories, and new bank formats built in the order they are asked for.

Ask about Studio

Cancel whenever you like. Invoices stay downloadable for 90 days after the last payment, then they go with the account. Nothing is held hostage and nothing is kept back.

Questions that come up

Do I have to give Ledgerline my bank login?

No. There is no bank connection to authorise. You export a statement from your bank's website and upload the file — that is the entire intake, and it is why there is nothing here worth stealing.

How long does one statement take?

A 300-line CSV usually finishes inside a minute. PDFs take longer because every bank lays its pages out differently. You get an email when the draft invoices are ready, and the summary tells you how many lines it could not place.

What happens when one payment covers two clients?

The payment is split into the parts you assign, and the line stays open until every part is assigned. Until then it is excluded from the totals, so nothing is quietly attributed to the wrong client.

Does it do VAT?

It reads the VAT on your expenses and keeps the totals labelled the way a return wants them. It does not submit a return. If you are not VAT-registered, the column stays empty and costs you nothing.

Can my accountant see it without an account?

On Studio, yes: a read-only link that opens in a browser with no sign-up. They can see the categories, the statement line each one came from, and the invoice it produced.

What if I stop paying?

Everything stays downloadable for 90 days, then the account and its files are deleted. You can also delete the whole thing yourself from settings, on any plan, including the free one.