How it works
No bank login. No connecting anything. Just export from your bank, drop it in, and Beholdr does the rest.
Look for "export transactions" or "download statement" in your banking app or internet banking. If your bank exports a CSV file, Beholdr can read it. It takes about 2 minutes.
⏱ About 2 minutes
Spending breakdown
Disney+
Last used 4 months ago
Spotify Family
Subscriptions
iCloud 2TB
Subscriptions
Gym (unused)
Last used 8 weeks ago
Select which account the file belongs to, drop it in, and Beholdr does the rest. Every transaction is sorted into categories automatically — groceries, bills, subscriptions, all of it.
⏱ About 30 seconds
Dashboard
$4,280
available · 12 days to pay day
Woolworths
Groceries
Campos Coffee
Coffee & Cafes
Netflix
Subscriptions
Salary
Income
Your Dashboard shows where your money went, how your budget is tracking, and — most importantly — what you can safely do next. Real numbers, not estimates.
⏱ Instant
Plan Ahead
Safe: $1,240
What file format do I need?
A CSV file (.csv). This is the most common export format from banking apps. If your bank offers multiple formats, choose CSV.
Does it work with my bank?
If your bank lets you export transactions as a CSV, yes. Most do — look for "export transactions" or "download statement" in your banking app.
Do I need to hand over my bank login?
No. You export the file yourself from your bank's app, then import it here. We never ask for your bank credentials.
What happens to my CSV file?
It's processed in your browser. Only the structured transaction rows reach our database — the raw file never leaves your device.
Can I import multiple accounts?
Yes. Import separately for each account. Beholdr keeps them distinct and lets you filter by account.
How often should I import?
Once a month is typical. Some people do it weekly. The more up-to-date your imports, the more accurate your Plan Ahead projections.
Import your first statement. Under 5 minutes.
Start for free — no credit card neededOr try the demo first — no account needed.