Citi Bank Statement Analyzer — Credit Card & Checking PDF Analysis

Upload your Citi credit card or checking account statement PDF and get AI-powered spending insights. Works with Double Cash, Custom Cash, Premier, Rewards+, and every other Citibank product. No Citi login sharing, no Plaid, no spreadsheets.

Why Citi Cardholders Need a Better Statement Analyzer

Citibank is one of the largest credit card issuers in the world, with products ranging from the no-annual-fee Double Cash card to the premium Citi Prestige. Millions of Americans carry at least one Citi credit card, and many also hold Citi checking or savings accounts. Each month, these accounts generate statement PDFs that contain a complete record of your financial activity.

The Citi mobile app and website provide a basic transaction feed, but the built-in spending analysis is minimal compared to competitors. Citi does not offer robust category breakdowns, trend charts, or natural language queries against your spending data. If you want to know how much you spent on dining last quarter, or whether your grocery bill is trending up, you are left scrolling through dozens of pages of transactions and doing the math yourself.

That is where an AI-powered statement analyzer changes the equation. Upload your Citi statement PDF and get every transaction extracted, categorized, and visualized on a spending dashboard. It takes under 60 seconds and gives you the kind of spending intelligence that Citi does not provide out of the box.

How to Download Your Citi Statement PDF

Before uploading to Spend & Invest, you need your statement file. Here is how to get it from Citi:

1. Log into citibankonline.com or open the Citi Mobile app.
2. Select your account — credit card, checking, or savings — from the accounts dashboard.
3. Go to "Statements". On the website, click the "Statements" tab within your account view. On the mobile app, tap the menu icon and select "Statements & Documents."
4. Choose the billing period. Citi keeps statements available for up to 24 months online for credit cards and up to 7 years for bank accounts. For older statements, you may need to request them through customer service.
5. Click "Download PDF" or the download icon. Citi credit card statement files are typically named with the billing period, such as Statement_2026-01-15_to_2026-02-14.pdf.

A notable detail about Citi statements: credit card billing cycles often do not align with calendar months. Your January statement might cover December 15 to January 14. Spend & Invest handles this correctly by reading the actual transaction dates rather than relying on the statement period header.

Supported Citi Account Types

Spend & Invest analyzes every type of Citi statement PDF. Here are the most common products and what the analyzer extracts from each:

Citi Double Cash Card

The most popular Citi credit card, known for its flat 2% cash back on all purchases. Double Cash statements list every purchase, payment, cash advance, balance transfer, fee, and interest charge. The analyzer extracts all purchases for categorization while separating out payments, fees, and interest so your spending breakdown reflects only real merchant transactions. The ThankYou points summary section is recognized and skipped since it does not represent spending.

Citi Custom Cash Card

The Custom Cash card earns 5% on your top spending category each billing cycle, up to a cap. This makes understanding your spending categories especially important — you want to know which category is winning each month and whether you are hitting the cap. The statement analyzer provides this insight automatically. After uploading, your dashboard shows exactly how much you spent in each category, letting you verify whether Citi correctly identified your top category for bonus rewards.

Citi Premier and Prestige Cards

These premium travel cards earn ThankYou points at elevated rates on travel, dining, supermarkets, and gas. Statements include detailed purchase listings along with rewards summaries and annual fee charges. The AI handles the longer transaction lists typical of premium cardholders (who tend to charge more to maximize rewards) and correctly identifies the various travel-related merchant codes that Citi uses for bonus point tracking.

Citi Rewards+ and Other Cards

The Rewards+ card rounds up ThankYou points on every purchase, making it popular for small, frequent transactions. The Citi Simplicity card has no late fees. The Diamond Preferred offers 0% intro APR. Regardless of which Citi card you hold, the statement format follows a consistent structure that the AI parses reliably.

Citi Checking and Savings Accounts

Citi offers banking products including the Citi Priority, Citi Accelerate, and Access Account packages. Bank statement PDFs include direct deposits, ACH transfers, debit card purchases, ATM withdrawals, Zelle payments, and service fees. The AI separates deposits from withdrawals and categorizes each expense transaction for a clear picture of where your checking account money goes each month.

What Insights You Get from Your Citi Statement

After uploading your Citi statement PDF to Spend & Invest, here is what appears on your dashboard:

Smart Transaction Categorization

Every purchase is mapped to a spending category. Citi transaction descriptions often include merchant category codes and location data that the AI uses for more accurate classification. A transaction like "UBER *EATS 800-253-6882 CA" is correctly placed in Dining rather than Transportation. "AMZN Mktp US*1A2B3C4D5" goes to Shopping. "COSTCO WHSE #1234 CITY ST" is classified as Groceries. If any categorization is wrong, your single correction trains the system for all future Citi statements.

Category-Level Spending Charts

A visual pie chart breaks down your total spending into categories. This is especially valuable for Custom Cash cardholders who want to verify their top spending category for bonus rewards. It is also useful for anyone who wants a clearer picture than what Citi provides in its basic app view. Click any slice to see the individual transactions within that category.

Multi-Month Trend Analysis

Upload several months of Citi statements and get month-over-month comparisons. Bar charts show how your spending in each category changes over time. If your dining spending jumped 30% from last month, you will see an amber alert flag calling it out. Track seasonal patterns, identify months where you overspent, and set informed budgets based on actual data rather than guesswork.

Vendor Spending Rankings

See which merchants receive the most of your money. The top vendors analysis normalizes Citi's sometimes verbose transaction descriptions into clean merchant names. Five different Amazon transaction descriptions all consolidate under "Amazon" in the vendor ranking, giving you a true picture of your total spend with each retailer.

Statement Reconciliation

The analyzer totals every extracted transaction and checks it against the balance summary on your Citi statement. A match confirms that every transaction was captured correctly. A discrepancy is flagged immediately so you can investigate. This automated cross-check replaces the tedious manual process of adding up transactions to verify your statement balance.

Manual Tracking vs Spend & Invest for Citi Statements

Here is what it looks like to analyze your Citi credit card statement manually versus using an AI-powered analyzer:

Why You Do Not Need to Share Your Citi Login

Connecting your Citi account to a budgeting app through Plaid or similar services means handing your Citi credentials to a third party. That third party then maintains an ongoing connection to your account, pulling data in the background. While this is convenient, it creates a security surface area that many people are not comfortable with.

With the PDF upload approach, your Citi login credentials never leave Citi. Here is what that means in practice:

• Zero credential sharing. Your Citi username, password, and two-factor authentication codes stay exclusively between you and Citibank. No third-party service ever sees them.
• No persistent account access. Plaid-connected apps maintain long-lived access tokens that can pull your data at any time. PDF upload is a one-time action — data transfers only when you initiate it.
• No dependency on aggregator connectivity. Citi occasionally blocks or restricts aggregator access, causing budget apps to lose connection to your account for days. PDF upload always works because you are downloading directly from Citi.
• Granular data control. Upload only the statements and accounts you want analyzed. Keep your savings account private while analyzing credit card spending. You make the choice every time.

How the AI Handles Citi Statement Formats

Citi credit card statements have a distinctive format that differs from other major issuers. Transactions are grouped under headings like "New Charges," "Payments and Credits," "Balance Transfers," and "Cash Advances." The AI recognizes each group and treats them appropriately — only "New Charges" count as spending, while payments and credits are tracked separately for reconciliation.

Citi transaction descriptions tend to be more detailed than some banks, often including a reference number, the merchant city and state, and sometimes the merchant category code. The AI uses all available information for categorization. A description like "WHOLEFDS MKT 10234 AUSTIN TX 73301 US" provides strong signals that this is a grocery purchase at Whole Foods in Austin, Texas.

One quirk of Citi statements: they sometimes split a single merchant transaction across two lines when the description is long. The AI handles multi-line transaction descriptions seamlessly, joining them into a single entry before categorization. This is a common source of errors for template-based parsers that assume one row equals one transaction.

Ask Questions About Your Citi Spending

Once your Citi statement is analyzed, use the natural language query bar to ask questions about your spending:

• "What is my top spending category on my Citi card this month?"
• "How much did I spend on travel with my Premier card?"
• "Show me all my Amazon purchases across all accounts."
• "Am I spending more on dining compared to three months ago?"

The AI interprets your question and runs the calculation using deterministic integer-based math. Every answer is computed from your actual transaction data, not estimated or approximated. You get the exact total along with the list of transactions that make up that number.

Get Started with Your Citi Statement

Create a free Spend & Invest account and upload your first Citi statement today. Whether you carry a Double Cash, Custom Cash, Premier, or any other Citi product, the analyzer handles it. The process takes under 5 minutes and delivers a categorized spending dashboard with trend analysis, vendor rankings, and natural language querying.

Combine your Citi statements with statements from other banks to see your complete financial picture. Many users upload their Citi credit card alongside their primary checking account from another bank, giving them a unified view of all spending across institutions.

Related reading: How to Analyze Any Bank Statement PDF with AI | Best Budget App Without Bank Login | Spending Tracker Without Plaid