Read-only eBanking · Switzerland

Your bank statements, understood.

Banky.cool reads the camt.053, MT940, PDF and CSV exports you already download from UBS and PostFinance. Everything lands in one SQLite database on your own machine: accounts, credit cards, Depots. No account to create, no cloud, no sync.

Join the iPhone beta Download the app, free

iPhone TestFlight beta. Command line free for macOS, Windows and Linux. Read-only, by construction.

Banky.cool showing Money flow

Money flow Where the money came from and where it went, by month, year or decade. Transfers between your own accounts are paired up and left out.

I kept wondering what it would look like if e-banking had kept evolving instead. So I built that version. It's called Banky.cool 🦉.

Matthias, creator of Banky.cool

Get it

Two ways in.

The iPhone app is in TestFlight beta. The command line tool is free and works today.

01 / iPHONE Beta

Banky.cool for iPhone

The whole app on your phone. Import statements straight from Files or Mail, unlock with Face ID, and sync an encrypted snapshot from your computer through a folder you choose.

  • Runs on the device, nothing is uploaded
  • PDF statements parsed natively, receipt photos read with Vision
  • Face ID unlock, auto lock, encrypted database
Ask for an invite

Until the app is publicly available, just send an email and we will invite you to TestFlight.

02 / DESKTOP Free

Banky.cool for desktop

Double-click Banky and your browser opens on the interface above, running on 127.0.0.1. The bank command line ships inside the app, for importing, categorising and budgeting from the shell.

  • An app to double-click, and a command line inside it
  • Every read command speaks --json
  • Compiled binary, no telemetry, nothing phoning home
macOSApp + command line, Apple silicon + IntelWindowsApp + command line, 64 bitLinuxx86-64, .tar.gzLinuxARM64, .tar.gz

Drag Banky into Applications and double-click it. Checksums in SHA256SUMS, install notes on support.

$29
once

When it goes on sale it will be 29 dollars once, and never a subscription. There is no server to keep running, because your data stays on your machine, so there is nothing to charge you rent for.

What you get

Built for how Swiss banking actually works.

Not a budgeting app that also reads CSV. An importer that understands PostFinance PDFs, UBS credit card exports, Depot trades and soon more banks, and then makes them add up.

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 detected from the content of the file, so names do not matter.

No duplicates

Import the same file twice

Every file and every transaction is fingerprinted. A file you already imported is skipped, and overlapping statement periods only add what is new.

Local mini AI

A categoriser, not a chatbot

Not an LLM: a small neural net built for this one job. It reads merchant text as character 3 and 4 grams, so it still recognises the cryptic one-liners credit card statements are famous for, spellings it has never seen included. It starts from a built-in Swiss merchant table and then trains on your own labels, on your machine. About two microseconds per transaction, so ten thousand of them are sorted in roughly 20 milliseconds. It also knows when it does not know: each category gets a calibrated confidence threshold, and anything below it is left for you rather than guessed.

Budgets · transfers

Budgets that add up

Several accounts, credit cards and Depots in one view, monthly and annual. Moving money between your own accounts is paired up and never counted as income or expense.

Fees

What the bank charges you

Every fee found in your statements, totalled and rated against the Swiss market, so account maintenance stops being invisible.

Subscriptions

Recurring charges, found

Cadence, active or lapsed, and a warning when a price goes up. The gym you cancelled in March, still billing.

Receipts

Down to the line item

Migros, Coop, Lidl and Digitec Galaxus receipts, from a bulk export, a PDF or a photo read on the device, matched to the booking that paid them. More vendors to come.

Vacations

Trips, detected

Spending away from home grouped into trips you can edit, with day by day detail and travel legs. The place lookup runs offline.

Inflation

Comparable in real francs

Three years of the Swiss consumer price index, so last year's spending can be compared with this year's. Source: BFS, always shown with the month it is from.

Lock · backup

Encrypted and snapshotted

Lock the database behind a PIN or a password, Face ID on iPhone. Compressed snapshots on a 28 day cadence, kept where you can reach them.

AppleScript · PowerShell · Shortcuts

Scriptable all the way down

Ask Banky.cool what you spent from AppleScript on a Mac, PowerShell on Windows or Shortcuts on iPhone, over one small contract on your own machine. It is off until you switch it on, and you choose how far it reaches. Every read command also speaks --json, exports to MD and CSV, and returns stable exit codes.

Offline

No subscription, no connection

It keeps working on a plane, on a laptop that never goes online, and in ten years. Nothing to expire, no server to shut down, no monthly bill.

Who keeps it open

Four kinds of people, one tool.

Nothing below is a separate edition. It is one app that happens to answer all four questions, because they turn out to be the same question asked from different sides.

Savings rate

You are working towards financial independence

Your savings rate is a number you actually track, and it is only as good as the figures under it. Banky.cool takes both from your real statements, month by month, with moves between your own accounts paired up so they never inflate either side.

  • Income and spending per month and per year, every account in one figure
  • Last year against this year in real francs, using the federal consumer price index
  • Every fee and every recurring charge that quietly eats the rate
No cloud

You would rather not hand your finances to anyone

There is no account to create, no server to trust, and no terms of service that change next spring. Your database is one file on your own disk. The privacy claim on this page is written to be tested rather than believed.

  • Opens no connection on its own. Point Little Snitch, LuLu or your firewall at it
  • One SQLite file you can open, back up, encrypt or delete
  • There is no payment code in it, so it cannot move money
Scriptable

You would rather pipe it than click it

The interface is optional. Banky.cool is one compiled binary with a full command line underneath it, so your own report is a shell pipeline rather than a feature request.

  • bank search, bank budget, bank fees, each with --json, CSV and Markdown
  • One SQLite file, so every SQL tool you already like still works
  • Stable exit codes: 0 fine, 1 your mistake, 2 the environment's
Several banks

You moved here, and your money did not follow neatly

A Swiss salary account, a card from the country you came from, a broker somewhere else, and statements written in a language you did not pick. Banky.cool reads the files instead of asking each bank for permission, so a foreign account is something you drop in, not an integration you wait for.

  • German and English column names both read, inside the same import
  • Everything in one place without giving any service access to any of it
  • The interface speaks English, German, French and Italian

Check it, do not trust it

The privacy claim is written to be testable.

The source is not public yet, so nothing here asks you to take privacy on faith. Everything below you can verify in a minute.

01

Watch it stay quiet

Run a network monitor while it imports a full year of statements.

Little Snitch · LuLu · Windows Firewall
02

One file, and it is yours

Every transaction sits in one SQLite database, next to the archived source documents. Open it, back it up, encrypt it, delete it.

data/bank.sqlite
03

It cannot move money

There is no payment code in it. It reads statements and writes to your own database. That is the whole surface.

read-only, by construction

Two things can use the network, and only when you ask for them. The Swiss inflation index, a public file from the Federal Statistical Office, so your spending can be compared in real francs. And an external Ollama model, if you want to point the categoriser at one. You do not need it: a tiny AI categoriser ships with the app, runs on your own machine and is very fast.

Where it 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 keep your transactions on someone else's machine.

 Banky.coolMoneyMoneyActual BudgetYNAB / Monarch
PlatformsmacOS · Windows · LinuxiPhone in betamacOS onlyWin · Mac · LinuxWeb and mobile
Where your data livesYour diskone SQLite fileYour MacYour disk, server to syncTheir cloud
camt.053 and PDF importBoth, nativeplus MT940 and ZIP bundlesBothcamt.053 onlyBank linking, not files
Categorising on your deviceLocal mini AI built inexternal Ollama optionalRules onlyRules and manualCloud AI
Receipt line itemsMigros · Coop · Lidl · Digitec Galaxusmatched to the booking, more to comenonono
SetupRun one binaryDouble clickLocal, server for everythingSign up and link your bank
Automation and storageAppleScript, PowerShell, Shortcuts, full CLIone binary to run, one SQLite file you own, MD/CSV/JSON/OFX export, --json everywhereAppleScriptAPI, open sourceWeb API
Price29 dollars once, laterabout 40 euro oncefree, open sourceabout 100 dollars a year

Competitor platforms, features and prices are from July 2026 and change. Check theirs before you decide.

Drop in a file

It works out what the file is.

camt.053 ISO 20022 XMLMT940 SWIFTPDFCSVZIPUBSUBS KreditkartenUBS DepotPostFinanceMigrosCoopLidlDigitec Galaxus

Today Banky.cool supports PostFinance and UBS. More banks are coming.

Who is behind Banky.cool

Getting an overview of your own finances should not be an evening with a highlighter.

Anyone who wants to know where their money goes prints out statements, picks up a highlighter and works through a stack of PDFs. One evening a quarter, and if we are honest: never. Yet that is exactly where the money is. Not in the one large purchase, but in the thirty small charges a month, the subscriptions, the fees, the card payments with cryptic names.

And it is not only about saving. It is about seeing it at all: the subscription that has been running since March. The fee nobody mentions. The price that was different last year.

I am Matthias, a family man, and I would rather spend time with my family than with accounts at several banks, credit cards and depots. I wanted the overview without having to study documents for it. At the push of a button, low effort, not after an evening of work.

Banky.cool is my conviction that everyone should be able to see their own finances at a glance, without handing them to anyone.
  • Your data stays on your device
  • No ads, no commissions
  • No account, no cloud

Check it → Support →