FinMan is an expense tracker that does not need access to your bank account: you download a statement from your bank's own app (CSV, XLSX or PDF) and upload it — in the app or by sending the file to the Telegram or WhatsApp bot — and add the rest by hand. Bank credentials never leave your bank; connecting Monobank directly is optional.
Many budgeting apps start by asking for your online-banking password or an aggregator consent. If you would rather not, FinMan works the other way round: the data comes from you — a statement file, a photo, a message — and the app has no credentials to lose.
How it works
- Download a statement from your bank's app (CSV, XLSX or PDF)
- Upload it to FinMan — in the app or to the Telegram bot
- Add cash purchases by hand
✅ Your month is complete — and no app ever saw your bank login
Statements you download yourself
Export a statement from your bank's app — CSV, XLSX or PDF — and upload it to FinMan. The importer learns each bank's format on the first file, assigns categories and detects duplicates, so a monthly upload takes a minute. For a format FinMan has never seen, AI builds the template on the spot.
Cash and small purchases: add them by hand
Expenses that never touch a bank card — cash, a market, a shared bill — are added by hand in the web or Android app in a few taps, with the same categories your statements use. Fuel receipts and meter photos can go through the Telegram or WhatsApp bot, so the picture stays complete.
Read more: Automatic expense tracking with Monobank: webhooks instead of manual entry →
Frequently asked questions
- Does FinMan ask for my online-banking login?
- No. FinMan never asks for bank credentials. Statements are files you export yourself; the only direct connection is the optional Monobank integration, which uses a personal token you create in Monobank and can revoke at any time.
- Which statement formats can I upload?
- CSV, XLSX and PDF from any bank. FinMan remembers the format per bank, so after the first import the next file is parsed instantly.
- What happens to duplicates when statement periods overlap?
- FinMan detects transactions that are already in your account and skips them, so re-uploading an overlapping period does not double your expenses.
- Is it free?
- Yes. Statement import, expenses, utilities, cars and family groups are free with no time limit; only AI extras such as building a template for an unknown bank format are metered.