BankyWatch it stay silent
Run a network monitor while Banky imports a full year of statements. It never reaches the internet on its own, because it has nothing to send there.
Little Snitch · LuLu · Windows Firewall
Local-first banking · Switzerland
Your bank statements, understood — and never uploaded.
Banky reads the camt.053, MT940, PDF and CSV exports you already download from UBS and PostFinance, consolidates every account into one SQLite file on your own machine, and shows you where the money actually goes. No account to create. No cloud. No sync.
iPhone TestFlight beta · Command line free, macOS · Windows · Linux · read-only, by construction
* Being precise, because a privacy claim you have to squint at is worthless: three things can reach the network, all opt-in and every one started by you. The Swiss inflation index (an anonymous GET of a public BFS statistics file, behind a consent dialog — or import the workbook by hand and skip it entirely). A SIX bLink statement pull, read-only and only to your own bank, if you configure one. And the optional AI categorizer, if you point it at a remote Ollama host instead of the local one. None of them phones home to us — there is no "us" to phone.
Trust, not marketing
Don't trust us. Check for yourself.
Banky's source isn't public yet — so we don't ask you to take privacy on faith. The strongest promise is one you can test in a minute, without reading a line of our code.
Own the whole database
Every transaction lives in one plain SQLite file on your disk, next to the archived source documents. Open it, back it up, encrypt it, delete it. We can't see it — it was never anywhere else.
~/data/bank.sqlite
It cannot move money
There is no payment code in Banky to go wrong. It reads statements and writes to your own database — that's the whole surface. Even the bank connector is Account Information only.
no payment rails · AIS only
What you get
Built for how Swiss banking actually works.
Not a budgeting app that happens to import CSV. An importer that understands PostFinance PDFs, UBS credit-card exports and Depot trades — and then makes them make sense.
camt.053 · MT940 · PDF · CSV
Reads what your bank exports
Swiss ISO 20022 camt.053, SWIFT MT940, UBS and PostFinance CSV, PDF statements, and the ZIP bundles eBanking actually hands you. The format is sniffed from content — you never rename a file.
No duplicates
Import the same file twice, safely
Every file and every transaction is fingerprinted, so re-importing an overlapping statement never doubles a franc. Overlapping periods add only what's new.
Sorted automatically
Categories, not chaos
Your manual choices are sacred, then your rules, then a built-in Swiss merchant table, then a small model trained on your own labels. An optional local LLM sharpens the rest — offline.
Budgets · transfers
Monthly and annual budgets that add up
Several accounts, credit cards and Depots consolidated into one view. Transfers between your own accounts are paired and excluded, so moving money never looks like spending.
Fee report
What the bank actually charges you
Every fee found in your statements, totalled and rated against the Swiss market — so "account maintenance" stops being invisible.
Subscription radar
Every recurring charge, surfaced
Recurring payments detected with cadence, an "Nth of M" pill, active/lapsed state and price-increase warnings. The gym you cancelled in March, still billing.
Receipts
Down to the line item
Migros and Coop receipts — bulk export, PDF, or a photo OCR'd on-device — matched to the booking that paid them. Groceries become food, not one number.
Vacations · money flow
See the shape of a year
A money-flow Sankey, and a vacation detector that groups spending away from home into editable trips with day-by-day detail and travel legs.
Real terms
Adjusted for Swiss inflation
Three years of the Swiss consumer price index (LIK), so last year's spending is comparable to this year's in real francs, not nominal ones.Source: BFS · shown with its as-of month
Lock · backup
Encrypted, snapshotted, yours
Lock the database behind a PIN or password, Face ID on iPhone. Automatic compressed snapshots on a 28-day cadence, kept where you can reach them.
CLI · JSON
Scriptable all the way down
Every read command speaks --json, with MD/CSV exports and stable exit codes. The UI is a convenience, not a cage.
Yours, forever
No subscription, no connection
It keeps working on a plane, on an air-gapped laptop, in ten years. No login to expire, no server to shut down, no monthly bill.
Where Banky fits
The local importer for the half of Switzerland nobody serves.
The tool most Swiss users reach for is Mac-only. The self-hosted options want a server. The popular budgeting apps put your transactions on someone else's machine. Banky is the one that's local, cross-platform and buy-once.
| Banky | MoneyMoney | Actual Budget | YNAB / Monarch | |
|---|---|---|---|---|
| Platforms | macOS · Windows · LinuxiPhone in beta | macOS only | Win · Mac · Linux | Web + mobile |
| Where your data lives | Your diskone SQLite file | Your Mac | Your diskserver for sync | Their cloud |
| camt.053 + PDF import | Both, nativeplus MT940 and ZIP bundles | Both | camt.053 onlyno PDF | Bank-linking, not files |
| On-device categorization | Model + optional local LLM | Rules only | Rules / manual | Cloud AIyour data leaves |
| Receipt line items | Migros · Coopmatched to the booking | — | — | — |
| Setup | Run one binary | Double-click | Local; server for full features | Sign up + link bank |
| Price | Free CLI today$29 once later — indicative | ~€39.99 once | Free / open-source | ~$100 / year |
Comparison reflects competitor research from July 2026. Competitor platforms, features and prices are point-in-time and change — check theirs before deciding.
Get Banky
Two ways in. Both free today.
The iPhone app is in TestFlight beta. The command-line tool — the same engine, the same importers, the same local web UI — is a free download you can use right now.
01 / iPHONE
Beta
Banky for iPhone
The full app on your phone: import statements straight from Files or Mail, Face ID lock, encrypted snapshot sync from your computer over a folder you choose. Read-only, like everything else here.
- Runs the whole engine on-device — nothing is uploaded
- PDF statements parsed natively; receipt photos OCR'd on-device
- Face ID unlock, auto-lock, encrypted local database
Public TestFlight link — coming soon
Ask for an invite
A plain email until the public link is live. No form, no list, no tracker.
02 / DESKTOP
Free
Banky command line
One self-contained binary. Import your statements, categorize, budget — or run bank server and get the full web UI on 127.0.0.1. No installer, no runtime, no dependencies to chase.
- Every read command speaks
--json; MD/CSV/JSON exports - Ships the same web UI the iPhone app hosts
- Compiled binary — no source, no telemetry, no phone-home
Open it, drag the bank binary into the bin folder it shows you, and you're done. Checksums in SHA256SUMS.
$29
Later, and only once
When Banky does go on sale, it will be a one-time $29 — indicative, not a commitment, and nothing is for sale today. No subscription, ever: there is no server to keep running, because your data never touches ours, so there is nothing to charge you rent for.
Cloud budgeting apps run ~$100 every year. Banky is a tool you own, like a calculator.
Drop in a file
Banky recognizes it and does the rest.
camt.053 ISO 20022 XML
MT940 SWIFT
PDF account statement
CSV DE / EN headers
ZIP eBanking bundle
UBS
UBS credit cards
UBS Depot
PostFinance
Migros receipts
Coop receipts