# What can't Bills AI do with bank statements?

Bills AI does not connect to your bank, so it only sees statements you upload or have saved, and it is not a bank, financial adviser or accountant. The free converter cannot read scanned PDFs, and extracted transactions need checking against the original statement. The MCP server is read-only: it cannot change or delete anything.

Last reviewed: 2026-11-13. Canonical page: https://billsai.cc/solutions/what-bills-ai-cannot-do-with-bank-statements

## Steps

1. Upload statements yourself. Bills AI does not use Plaid or online-banking credentials, so it cannot pull new transactions on its own.
2. Give the free converter a text-based PDF up to 10 MB. It has no AI and no OCR, and it copies values as printed without normalising dates or amounts.
3. Check extracted transactions, categories and recurring charges against the original statement, because the AI provider (OpenAI gpt-4o-mini) and the converter can both make mistakes.
4. Treat the output as information about your own statements, not as financial, tax or accounting advice.
5. Plan for the allowances: the Free plan includes one statement analysis, Starter ($5 a month or $49 a year) allows up to 100 statement scans, Pro ($12 a month or $99 a year) has no statement-count limit and up to 1,000 transactions each, and Business is $29 a month or $249 a year.

## When this will not work

- Bills AI makes no guarantee about savings, categorization accuracy or bank coverage.
- We have not tested the converter on any named bank, only on synthetic layouts.
- Saved data is encrypted at rest, but not end-to-end: Bills AI holds the keys.
- Through MCP, an assistant can read but cannot change or delete anything, and what it reads is visible to that assistant under its provider's terms.

## Frequently asked questions

### Does Bills AI link to my bank account?

No. It works from statement files you upload and does not use Plaid or online-banking credentials.

### Is Bills AI a financial adviser or accountant?

No. Bills AI is not a bank, financial adviser or accountant. Its output is information drawn from your own statements.

### Can it read scanned statements?

The free converter cannot, because it has no OCR. The Bills AI statement analysis accepts image files as well as PDFs, and its extraction should be checked against the original.

### Does it work with every bank?

We make no claim about bank coverage. Statement layouts vary, and we have only tested the free converter on synthetic layouts, not on named banks.

## Related

- [Plans and pricing](https://billsai.cc/pricing)
- [Free bank statement PDF to CSV converter](https://billsai.cc/tools/pdf-to-csv)
- [Converter test results, including the layouts that fail](https://billsai.cc/tools/pdf-to-csv/accuracy)
- [Bills AI MCP server](https://billsai.cc/mcp)
- [Privacy policy](https://billsai.cc/privacy)

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