How to read a bank or card statement PDF
The useful PDF is the one your bank creates, with text you can select. A photo of a statement is harder to read, and it is easier to mix it up with another file.
Download the file the bank made
Sign in to the bank or card site and download the statement for one period. Use a PDF. If the file asks for a password, download a copy that does not need one. Expenvo does not upload the PDF, and it cannot open a file that asks for a password.
Check the period dates and the last digits of the account. If you have both a US card and a Canadian account, keep the files apart. A US statement stays in USD. A Canadian statement stays in C$.
Four kinds of lines
Purchases and withdrawals are money out. Payments you made to the card, paycheques, and transfers in are money in. Refunds are money back from a merchant, not new spending. Fees and interest are the bank's own charges.
The closing balance printed on the statement is the balance. It is not the sum of your purchases. A payment, a refund, and an opening balance all sit between those two numbers.
Before you upload
One statement per file is enough. A text PDF reads faster than a scan. If you do upload a photo, Expenvo can try to read the picture on your device, and that takes longer.
If Save to my account is off, the charges stay in the browser tab. If you sign in and leave it on, the charges are stored in your account in Canada. The PDF itself is not stored. Categories are a starting point. Change any charge that was put in the wrong category.