Extract data from utility bills
Unstract reads electricity, gas, water, internet and phone bills, from provider PDFs to phone photos, and sends the account holder, service address and bill date to your onboarding or KYC system as checked proof of address.
| DESCRIPTION | USAGE | AMOUNT |
|---|---|---|
| ACCOUNT SUMMARY | ||
| Previous balance | — | 142.67 |
| Payment received 09/18 · thank you | — | (142.67) |
| Balance forward | — | 0.00 |
| CURRENT CHARGES · ELECTRIC | ||
| Customer charge | — | 9.50 |
| Energy charge @ $0.1240/kWh | 712 kWh | 88.29 |
| Delivery charge @ $0.0580/kWh | 712 kWh | 41.30 |
| State and local taxes | — | 8.36 |
| Total current charges | — | 147.45 |
| Total amount due | — | 147.45 |
addr vs app: 3B or 3D? bill 7 days old — MT
Due by Nov 4, 2026 · A late fee of 1.5% applies to unpaid balances
{ "provider": "Northfield Energy Co.", "account_holder": "Priya N. Okafor", "service_address": "418 Alder Ln, Apt 3B, Columbus OH 43215", "account_number": "****-**7714", "bill_date": "Oct 14, 2026", "billing_period": "Sep 12 – Oct 11, 2026", "usage_kwh": 712, "total_amount_due": 147.45, "due_date": "Nov 4, 2026", "confidence": 0.97}
Trusted by lending and onboarding teams around the globe
Applicants prove their address with whatever bill is on hand
A downloaded PDF from the provider's website is the easy case. Many applicants snap the paper bill from the mail pile or screenshot the app.
Paper bills photographed straight out of the envelope, still creased
Three providers, three names for the address that matters
An apartment number corrected in pen after a move
ID, bill, statement and application in a single upload
An application and a bill that disagree by one character
Onboarding staff open each bill, compare the name and address with the application and count the days since the bill date by hand, so new accounts sit in a queue while good customers give up and bank elsewhere.
Unstract reads the bill in its provider's layout, extracts the holder, service address and bill date, checks them against the application and the 90-day window, and sends the result to your onboarding or KYC system.
From a photographed bill to a verified address on one platform
Parse the bill, extract the proof-of-address fields, run the onboarding checks around them. Each product works alone; stacked, they take an application from upload to screening without anyone retyping an address.
Parse utility bills with the holder, address and charges kept apart
Proof of address OCR has to separate the addresses a bill prints: the provider's remittance box, the mailing address and the service address all sit on the same page. LLMWhisperer keeps each one in its own block with the layout intact, reads creased photos and app screenshots, and keeps the charges table on its rows so the bill date never mixes with the due date.
Send the text to your own LLM, or make parsing the first step of a customer onboarding workflow.
Learn more about LLMWhispererTurn utility bills into a name, address and date your KYC check can use
Name the fields your policy needs, usually the account holder, the service address, the provider, the bill date and the billing period, and every bill returns them in one JSON structure. A water company's quarterly bill and a mobile carrier's monthly one give the same record. Each value is checked as it comes out: a holder name that differs from the applicant, a service address that is not the residential address on the application, or a bill dated more than 90 days ago comes back flagged with the reason.
Developers call it as an API from the onboarding app, operations teams run it as an ETL pipeline on the folder the portal writes to, or it becomes one step of an orchestrated KYC process.
Learn more about Document StudioRun customer onboarding KYC from the upload to screening
Describe how your team accepts utility bills as proof of address in plain English, and Flow's agents build the workflow. Each upload is sorted into ID, bill and statement, the bill is read, and its name and service address are matched to the application and the ID. Matched files go to sanctions screening such as LSEG World-Check One or LexisNexis Bridger Insight XG, to Salesforce or HubSpot, and to core banking on Fiserv or FIS. You approve the workflow once, and every application runs through it identically.
Choose when a person steps in: a name or date of birth that doesn't match, an expired ID, or proof of address older than 90 days. Only those applications stop, with the bill and the application side by side for a KYC analyst.
Learn more about FlowRead your applicants' bills now. Automate onboarding when you're ready.
Start for free and run your own proof-of-address uploads through parsing and extraction today. Matching, the 90-day rule and handoff to screening begin with a consultation.
Every bill an applicant might send, and the onboarding file around it
Documents
- Electricity bills
- Gas bills
- Combined gas and electric bills
- Water and sewer bills
- Internet and cable bills
- Mobile and landline phone bills
- Utility account welcome letters
- Property tax bills
- Lease agreements
- Bank statements
- Mortgage statements
- Government benefit letters
- Passports
- Driver's licenses
Fields captured
For the teams who decide whether an address is good enough
Branch and digital onboarding staff stop reading bills line by line. A matching address clears in minutes, and only the one-character mismatch waits for a phone call to the applicant.
App-first sign-ups clear address verification while the customer is still in the flow, from a photo or screenshot of whatever bill they have, so fewer abandon before funding the account.
Analysts see every bill with the extracted name, address and date beside it, the reason it was flagged and who cleared it, ready for an examiner asking how residency was verified.
New account applications for brokerage and advisory clients carry a verified residential address, which also settles the state of residence for registration and tax reporting.
Address verification finished before an analyst picks up the file
Guarding the name-and-address pair that opens accounts
A utility bill puts a customer's full name beside their home address and a live account number. That pairing is exactly what a fraudster needs to pass someone else's proof-of-address check and open credit in their name.
- Encrypted in transit and at rest.
- Applicants' bills are never used for model training.
- Access by role and onboarding queue, with every corrected field and cleared address flag recorded against the application.
- You set retention: bills are kept for as long as your customer identification records require, then deleted.
- Self-hosted deployment for banks and credit unions that keep customer identity data inside their own environment.
What onboarding and KYC teams ask about utility bills
Unstract reads all three in one onboarding upload. LLMWhisperer parses each page, Document Studio extracts a separate schema for the payslip, the statement and the bill, and Flow matches the names and addresses across them. Use the first two alone, or all three for the whole file.
Look for one that reads bills from providers it has never seen, flags a name or address that differs from the application, checks the bill date against your window, and keeps a record of who cleared each flag. Unstract does all four and deploys as an API, an ETL pipeline or an MCP server.
Upload a bill, name the fields you want, and run it. Start free with your own applicants' bills, or point an ETL pipeline at the folder your onboarding portal writes to so each new bill is read on arrival.
Yes. LLMWhisperer straightens skewed and creased photos, reads screenshots from a provider's app, and repairs malformed PDFs, with the layout kept so the service address stays separate from the mailing address.
A JSON record with the provider, account holder, service address, masked account number, bill date, billing period and the amount due, plus usage and charges if you want them. You define the schema, so it matches the fields your onboarding or KYC system imports.
Yes. The holder name and service address are compared with the application and the ID, allowing for abbreviations such as "Ln" for "Lane". A different apartment number, a different surname or a business address is flagged with both values side by side.
The bill date is extracted and compared with the application date against the window your policy sets, 90 days or otherwise. A bill outside it is flagged before an analyst opens the file, with its exact age in days.
Electricity, gas, water and sewer, internet, cable and phone bills, including combined energy bills and quarterly water bills. Bank statements, lease agreements and tax bills that your policy also accepts as proof of address are read the same way.
Yes. LLMWhisperer reads printed text in 300+ languages, and Document Studio returns the same fields whatever the country's address format, so a UK council tax bill and a US electric bill produce one schema.
Unstract is SOC 2, ISO 27001, GDPR and HIPAA compliant. Bills are encrypted in transit and at rest, never used to train models, and deleted on the schedule you set. Banks that keep identity data in-house can self-host; see the Trust Center.
Bring a week of proof-of-address uploads to the consultation
Creased photos, app screenshots, a quarterly water bill and the one whose apartment number doesn't match. We read them live and show the extracted address, the match and every flag.