01
Upload a statement
Start with a supported bank statement or CSV export. There is no bank login and no open-banking setup to get through first.
Built for UK households
Upload a statement. See where your money goes.
PennyPal helps UK users upload supported bank statements and CSV files, organise transactions, and quickly see spending, income, categories and monthly insights. No bank login is needed, and the experience stays private, simple and easy to trust.
No login. Ever.
Open the app and you're in.
No account, no email, no password required. PennyPal works the moment you download it.
Free — all of it
No paywalls, no trial timers.
Import statements, view insights and track categories completely free. No catch.
Private by default
Data lives on your device only.
Nothing leaves your iPhone unless you choose to share it with your household. No servers.
How it works
From statement upload to a clearer monthly picture.
PennyPal is designed to feel straightforward from the first file import. Upload a supported bank statement or CSV file, let PennyPal organise the transactions, then review where your money is going month by month.
02
PennyPal organises transactions
Imported entries are grouped into a cleaner picture of income, spending and categories so the month starts to make sense quickly.
03
Review insights
See monthly patterns, category totals and household context in a format that feels clearer than a spreadsheet or a generic budgeting app.
Screenshots
See PennyPal in action.
These screens show the import flow, dashboard, transactions and insights views you use after uploading a supported bank statement or CSV file.
Dashboard
See monthly totals, trends and category context in a cleaner overview.
Transactions
Review the imported entries that make up the month instead of losing the detail.
Insights
Spot category patterns and monthly shifts more quickly than in a raw statement.
Import flow
Bring in a supported statement or CSV file and move straight into a usable view.
The gallery focuses on the core path most visitors care about: upload a file, review transactions, and understand the month more clearly.
Made for calmer monthly reviews.
PennyPal is for the point where a statement becomes a conversation. Import real data, see what matters, and get to a clearer household picture without turning money admin into a project.
It is designed to feel warm, fast and intentional from the first upload to the monthly insight review.
Bring in supported statements, then organise from there.
Start with actual bank activity instead of guessing categories or rebuilding your financial life by hand.
Review your money without sharing a bank login.
Designed to feel clear, calm and genuinely useful.
From first upload to regular monthly reviews, PennyPal is built to make money management feel simpler and more collaborative.
Try PennyPal free — no login needed.
Start with sample data, or upload a statement you already have.
Free to download · No login required · iPhone · UK users