Three steps. No bank login required.

Import the PDF or CSV statements your bank already emails you — password-protected PDFs included. There’s no aggregator, no screen-scraping, and Moniqo never stores your bank credentials. You can also snap receipts; on-device OCR reads the amount, vendor and date.

Transactions are matched against a 5,500+ merchant catalogue and tagged automatically — correct one once and Moniqo remembers it. Every currency is converted into your chosen base currency using live, cached exchange rates.

One private view across every bank and currency: spending by category, a debt-free projection, anomaly alerts, and a salary + rent countdown. Monthly AI insights are generated from PII-redacted aggregates only — your raw transactions never leave the server.