Early access from January 2027

Your year on your credit card, explained.

Upload your statements and get one clear report: what you spent versus what you paid, where your money really goes, and costed ways to save. No bank login needed.

Get early access See how it works

Built for UK cards: Amex, Barclaycard, HSBC, Lloyds, NatWest and more.

Your card year 2026Sample report

Total spend£14,820

Payments made£13,950

Interest and fees£212

Where it went

Groceries

Travel

Dining out

Subscriptions

Savings idea: 3 subscriptions unused for 6+ months. Cancelling them saves £264 a year.

How it works

Three steps, a few minutes, and a report you'd be happy to hand to your accountant.

Step 1

Upload your statements

Drop in up to 12 months of PDF or CSV statements, across one or several cards.

Step 2

We check and sort every line

Purchases, payments, refunds and fees are separated, categorised and reconciled to each statement's balance.

Step 3

Get your report

A professional summary of your year, where you spend most, and specific, costed ways to save. Download as PDF or CSV.

Who it's for

Planned launch pricing. Waitlist members get first access and an early-bird discount.

Most requested

Side-business owners

Sellers, freelancers and landlords who put business costs on a personal card.

Business vs personal split
Expense summary by category
Accountant-ready CSV, up to 3 cards

£29per year

Personal use

Anyone who wants a clear look back at a year of card spending.

Spend vs payments, month by month
Top categories, merchants and subscriptions
Interest and fees, with savings ideas

£9one-off report

Professionals

Accountants, mortgage brokers and debt advisers working with client statements.

Unlimited client reports
Your branding on every PDF
Bulk upload across banks

£49per seat / month

Your data, handled with care

No bank loginYou upload statements yourself. We never connect to your accounts.

Files deleted after processingStatements are removed once your report is built. Delete everything at any time.

Card numbers maskedCard and account numbers are hidden the moment a file is read.

Numbers you can trustEvery total is reconciled against your statement balances.

Join the waitlist

Be first to try Cardlens in January 2027, with an early-bird discount.