Upload a bank statement from any EU bank and see your spending categorised, your subscriptions detected, and cheaper alternatives suggested. No bank connection. No credentials. Ever.
Free during alpha · no credit card · EU-hosted
CSV, Excel, PDF or MT940 — from N26, Trade Republic, Revolut, Sparkasse, DKB and 25+ more banks. Drop the file and you're done. Your bank login is never asked for.
Every transaction automatically categorised, with clear charts of your monthly spending. Correct anything with one tap — the app learns from you.
Recurring costs like insurance, mobile plans and energy are spotted automatically — with cheaper alternatives and realistic yearly savings next to them.
Leave your email — no commitment, no credit card. That's the whole application.
The alpha opens in small groups. When it's your turn, an invitation email lands in your inbox — that's what unlocks sign-in.
Upload a bank statement and see where your money goes — within minutes, no bank connection needed.
Pocket Money Advisor is in private alpha: some edges are still rough, and that's the point — early users directly shape what gets built next.
Your bank statement is uploaded to our server hosted in the European Union (Frankfurt, Germany — via Hostinger). Parsed transactions are stored in a database on that same server. Your financial data never leaves the EU.
It's a deliberate choice: your bank credentials never touch our servers. You export a statement from your banking app and upload the file — nothing else ever leaves your bank. If we ever add automatic synchronisation, it will be through regulated PSD2 providers where you authenticate directly at your bank — never by giving us your credentials.
No. Your file (CSV, Excel, PDF, or MT940) is processed on the server and only the parsed transactions are saved — the original file is discarded immediately after parsing. One exception: if we don't recognise your bank's format yet, we keep a small structural sample of the file layout so we can add support. Names, addresses, IBANs and account numbers are automatically redacted from that sample before it is stored, and it is deleted within 30 days once support is added.
No. Clerk handles authentication only — it sees your email, name, and session token, never your bank data. Sentry captures application errors only and is configured to exclude financial data. Neither service ever receives your statements or transaction history.
Only you. We do not sell, share, or transfer your financial data to any third party. Our team can access anonymised, aggregated statistics only.
Yes. Our server is in an EU country (Germany). Clerk and Sentry both provide GDPR Data Processing Agreements. You have the right to access, correct, and delete your data at any time from Settings.
During the alpha we record basic product events (pages visited, features used, import errors) linked to your account email, so we can fix problems and improve the app. Server logs are automatically redacted of personal data and deleted after 30 days. All usage events are permanently erased when you delete your account.
Go to Settings → Data & Privacy → Delete Account. This immediately and permanently erases all your transactions, imports, preferences, and account data.