Free Bank Statement Health Check

  • Understand what your spending means to lenders

  • See where to improve your financial health

  • Get your bank statement health score

Find out your bank statement health score
Find out your bank statement health score


Our Promises

Best match guarantee

100% free to use

Credit Score

Anonymous and secure data analysis

Lender loan assessment

Easy to understand report

Australian Lenders

Clearly show how to improve your score

How it works



Create a free secure account


Securely send your bank statement data


Money Matchmaker® algorithm analyses



Understand your report


Make changes to your spending


Apply with confidence

We'll help you understand and improve your bank statements to make you financially stronger

Bank Statement Health Check

Find out how financially strong you are - before you apply

Lenders use financial technology to assess your bank statements to make a final decision on your financial strength and ability to repay your loan.

Money Matchmaker® Bank Statement Health check works in a similar way, analysing your bank statements like a lender would to give you an overall health score, and show you any areas that could flag you with a lender.

Hear from people who improved their bank statements           

Waving Robot

What is Bank Statement analysis?

Everyone has a bank statement, a universal document that contains all of their transaction histories. A bank statement is a valid record of your income and expenses and gives a fair view of your financial health.

Bank Statement analysis is the process of reviewing your statements to assess the level of risk involved in lending you money.

It looks at whether you have an acceptable history in maintaining funds and if you are capable of repaying a loan.

It summarises your spending patterns, level of income and discretionary spending amount at the end of the month.

What the analysis looks at

Money Matchmaker® looks at the key areas that lenders use to determine your ability to service the loan:

  • Income type
  • Discretionary spending
  • Current debt
  • Dishonours
  • Collections or fines
  • Overdrawn account
  • Gambling spending
  • Banking patterns

Bank Statement Analysis FAQs

We ask you to login via a secure 3rd party provider, they are an Australian leading provider in bank statement data so are incredibly secure. Your login details are never stored. You can find out more about them here:

  • We never store online banking credentials
  • Our service is independently tested and audited by external security experts
  • Data is encrypted with bank level 256-bit encryption, secured by 2048-bit keys
  • Statements are only provided to Money Matchmaker®

You do. We can’t get your bank statements without your permission. We can only draw them once. So when you want to review them again we need your permission again to fetch them. We use an independent provider of web based bank statement data retrieval services.

We store them in a secure database so that Money Matchmaker's® algorithm can access them and analysis the data.

It's a completely free service, there are no ongoing fees either. You can analysis your bank statements each month as you make changes.

Security is our highest priority. All data sent to our server is encrypted with 256-bit encryption, secured by 2048-bit keys. This is the same level of encryption that the banks use.

Written by

Shaun McGowan founder

Loans Expert

Shaun McGowan

Reviewed by

Sean Callery Editor


Sean Callery