Nationwide FlexAccount · joint

Joint Account Ledger

Drop in statements and they are parsed, reconciled against their own printed balances, and folded into everything below. Categories are yours to correct — a change sticks for every transaction from that payee, past and future.

Sources
Transactions
First entry
Last entry
Reconciled
Statement cycle 27th → 26th Complete calendar months Closing balance

Add statements

PDF statements or CSV exports, as many at once as you like. Statements own their dates; a CSV is used only for days no statement covers, so an overlapping export can never double-count.

Drop statement files here

or · .pdf and .csv

The shape of it

Averages use only the calendar months fully covered by a source. Income means salaries and child benefit; spending excludes capital movements — money to your own accounts, money into savings, and the house purchase.

Money in, money out

Monthly income against spending
Income Spending
Closing balance at each statement
Statement close

Where it goes

Average monthly spend per category, over complete months only.

Average monthly spend by category

Correct a category

One row per payee, biggest spend first. Change the category and every transaction from that payee moves with it — including ones you import later. Order references are collapsed, so a merchant's forty order numbers are a single row.

PayeeTxnsTotalLast seenCategory

Standing commitments

Every direct debit, standing order and internal mortgage payment still running in the last three months, with what the same commitment cost twelve months earlier.

CommitmentCategoryLatestA year agoChangeSince

Stopped in the last year

CommitmentCategoryWas costingLast taken

The large one-offs

Single payments of £900 or more, excluding transfers between your own accounts.

DateAmountCategoryPayee

Every transaction

DateDescriptionCategoryOutIn