The questions people actually ask

Is Moniqo a bank?

No. Moniqo is a personal finance tracker. We have no banking licence and we don’t hold money. Your bank is the source of truth — we are the lens.

Do you connect to my bank account?

No. Moniqo imports the PDF and CSV statements your bank already emails you. We don’t store your bank credentials and we don’t run a credentialed scrape. There is no bank-login aggregator integration of any kind.

Is Moniqo an alternative to apps that connect to your bank?

Many money apps connect to your bank using a third-party aggregator (such as Plaid, Tink or MX) and read your transactions in real time. Moniqo takes a different approach: you import the PDF or CSV statements your bank already emails you, so there are no stored bank credentials and no third-party data pipeline. Neither approach is universally better — but if you’d rather not hand over bank logins, Moniqo is built for you.

What currencies does Moniqo support?

Every currency. The app is currency-agnostic — track accounts and cards in any currency, and Moniqo automatically converts everything into your chosen base currency using live, cached exchange rates.

Can I track banks from different countries in one account?

Yes. Add accounts and cards from any banks you use, in any currencies, and Moniqo consolidates them into one view in your base currency. It goes deeper than most trackers — with native statement parsers for major banks today, and new regions and parsers being added continuously.

Can I ask Moniqo questions in plain English?

Yes. Ask Moniqo is built into every account — ask in plain English (“how much did I spend on groceries?”, “which subscriptions should I review?”) and get answers from your own data. The AI only ever sees PII-redacted aggregates, never your raw transactions. Free, with a sensible monthly limit.

Is Moniqo an AI personal finance assistant?

Yes. Moniqo is built around an AI personal finance assistant (“Ask Moniqo”) that answers questions about your money in plain English — backed by automatic categorisation, anomaly detection, salary-and-rent countdowns and monthly insights. The AI sees only PII-redacted aggregates, never your raw transactions, and is free with a sensible monthly limit.

Can your team see my transactions?

No — your data isn’t ours to browse, and we never look without your explicit permission. If you ask for help and resolving it genuinely needs a look, you approve a one-time, time-limited support session with a 6-digit code: scoped to that support task, fully logged, and revocable anytime. Support access exists to help you — not to see your data.

Where is my data stored?

In secure, encrypted cloud infrastructure — encrypted in transit and at rest, with nightly encrypted backups. If you need data residency in a specific jurisdiction, that’s an enterprise-tier conversation: same code, different deployment region.

Which banks do you support for PDF import?

We support PDF statements from major banks, with new banks being added continuously. Encrypted (password-protected) PDFs work, and CSV import works for any bank that can export to a spreadsheet.

Is Moniqo available in Arabic?

Yes. Moniqo supports English (en-AE, en-IN) and Arabic with full right-to-left layout.

Can I export my data?

Every list page has a Download menu (CSV or JSON). A full account export is also one click away from your privacy settings.

Can I delete my account?

Yes — with a 30-day grace period. Within that window you can restore. After 30 days your data is purged.

What happens to my data if Moniqo shuts down?

We’d give you a minimum 60 days’ notice and email you a full data export.

Where can I report a security issue?

Email security@moniqo.me. We acknowledge within 48 hours.