How Bill Identification Works

Last updated: August 2, 2026

When you give Ketzie a bank or card statement, it reads it and suggests the recurring bills it finds, so you don’t have to type them in. This page explains what actually happens — what leaves your phone, what doesn’t, and what you can expect. For the formal version, see the privacy policy.

What happens when I import a statement?

1. You choose one or more statements — a PDF, a screenshot, a spreadsheet, a CSV export, or pasted text — or share them to Ketzie from another app.
2. The statements are sent over an encrypted connection to Ketzie’s own cloud service.
3. An AI model reads them together and proposes a list of recurring bills: names, amounts, and how often they repeat.
4. The proposals come back to your phone for review. Nothing is added until you confirm each bill yourself.

An upload happens only when you take an action that asks for one — choosing a file, pasting text, or approving a share. Ketzie never imports anything in the background.

What exactly leaves my phone?

For an import, at most three things:

• The statement (or statements) you provided.
• Your bill list, if you already track bills in Ketzie — bill names, amounts, and how often they repeat; never balances or account details. It’s sent so Ketzie can propose updates to bills you already have instead of duplicates.
• Proof that you’re signed in, so the service knows the request comes from a real account.

Nothing else is sent as part of an import — not your balances, not your accounts, not your pay schedule.

Is my statement stored anywhere?

No. The statement is processed to produce the suggestions, the results are returned to your phone, and the statement is discarded. Our service does not keep a copy and does not log its contents. It exists on our systems only for the seconds it takes to read.

Is my data used to train AI?

No. The model that reads your statement runs inside Amazon’s cloud (Amazon Bedrock), on our behalf, under terms that do not permit training on your data. Your statement is not shared with the model’s maker (Anthropic) or with anyone else.

Who does the processing?

Two parties, both acting on Ketzie’s behalf:

• Ketzie’s own service receives your statement and returns the results. It runs on Amazon Web Services.
• Anthropic’s Claude model, via Amazon Bedrock, reads the statement. It runs within AWS.

Both appear in the privacy policy, which also describes the terms they operate under.

Why does this need an account?

Reading a statement costs Ketzie money every time, so the feature is limited to signed-in accounts, with a daily cap (currently 25 imports a day — far more than normal use requires). Without those limits the feature could be abused at our expense until we had to shut it off. Sign-in is free.

What if the AI gets something wrong?

It can — a misread amount, or a one-off purchase mistaken for a subscription. That’s why every import ends in a review screen: you can edit, accept, or reject each suggestion individually. A suggestion you reject never touches your numbers.

What kinds of files work?

PDFs, screenshots (PNG or JPEG), spreadsheets (XLSX or XLS), Word documents, CSV exports, and pasted text — up to 4 MB in total. Password-protected PDFs can’t be read — export an unlocked copy from your bank instead. The fastest route is usually your banking app itself: open the statement, tap Share, and pick Ketzie.

One more tip: most bills repeat monthly, and one statement covers about a month — which isn’t enough to prove a pattern repeats. You can add up to five statements and have Ketzie read them together; two or three months’ worth finds bills far more reliably than one.

Why doesn’t Ketzie show up when I share?

It does — just not where you’d first look. On iPhone, newly installed apps start at the very end of the share sheet’s row of app icons, so don’t hunt for the icon at all: scroll down past the icons to the list of actions and tap Extract Bills with Ketzie. It’s there from the moment Ketzie is installed, with no setup.

If you prefer the icon, you can pin it: scroll the app icons all the way right, tap More, then Edit, and add Ketzie to your Favorites. Apple doesn’t let apps place themselves; pinning is up to you — but the Extract Bills with Ketzie action below is the faster path either way.

A few apps also hand the share sheet a statement in a form Ketzie can’t receive. If neither entry appears, save the statement to the Files app and share it from there — or open Ketzie and choose the file from the import screen.

On Android, Ketzie appears in the share sheet automatically for PDFs, images, and text.

Why did Ketzie ask me to confirm before uploading?

If you share a file to Ketzie from another app, Ketzie asks before uploading it. That’s deliberate: a share can be triggered by any app on your phone, so Ketzie doesn’t treat the share itself as permission to upload. Nothing is uploaded until you approve it.

Prefer to keep everything on your device?

Statement import is optional. You can add every bill by hand from the bills screen, and nothing is ever uploaded for bill identification unless you ask for an import. The privacy policy covers everything else Ketzie does — and deliberately doesn’t do — with your data.