Audits major Nigerian bank statements against the official CBN Guide to Bank Charges — with guided import for other layouts, and never guesses.
CBN rules differ by account type — for example, maintenance fees are only lawful on current accounts, while card maintenance fees are only lawful on savings accounts. Getting this right is what lets the audit be exact.
Salary accounts are exempt from the ₦50 electronic transfer levy/stamp duty — any levy charged becomes refundable.
Supports major Nigerian bank statements, with guided import for other layouts — Wema/ALAT, FCMB, GTBank/GTW, Fidelity, OPay, Pocket and more as parser coverage expands. CSV or Excel exports from internet banking give the most reliable read; text-based PDF statements also work.
For the cleanest result, export CSV/Excel from internet banking first. If you only have PDF, use a text-based statement rather than a scanned image. After upload, confirm Date, Narration, Debit/Credit/Amount and Balance columns before running the audit.
The file is read entirely inside your browser. It is never uploaded, stored or sent anywhere — you can even use this app offline.
Every verdict below carries its arithmetic and the exact CBN provision it rests on. Where the statement alone cannot prove a charge right or wrong, the auditor says so instead of guessing.
Rules that cannot be judged one charge at a time — recomputed across the whole statement: the ₦1/mille maintenance cap from your actual turnover, levy counts against qualifying transfers, monthly ATM allowances and quarterly card fees.
Pre-filled from your audit findings with the exact CBN citations. Fill in the bracketed details, print it on paper or send by email to your branch. If the bank does not resolve it within 14 days, escalate to the CBN Consumer Protection Department — cpd@cbn.gov.ng.