Import Any Bank CSV.
AI Does the Rest.

Step 1 — Find your bank's export option

Log into your bank's website. Look for "Download transactions," "Export," or "Statement" under your account activity. Almost every bank offers CSV export. If you can't find it, search "[your bank name] download transactions CSV."

Step 2 — Download the CSV file

Select your date range (we recommend 1–3 months) and download. The file will be named something like "transactions_2026_04.csv" or similar. Save it to your desktop.

Step 3 — Import into PennyRa

Open PennyRa, go to Import, and drag your CSV file in. PennyRa automatically detects your bank format from 35+ supported formats and parses your transactions. No column mapping needed.

Step 4 — AI categorizes everything

Within seconds, AI assigns categories to every transaction — groceries, dining, subscriptions, transport, and more. You can adjust any category manually if needed.

Which banks does PennyRa support for CSV import?

PennyRa supports 35+ bank CSV formats including Chase, Bank of America, Wells Fargo, Citibank, Capital One, US Bank (United States); Garanti BBVA, İş Bankası, Yapı Kredi, Akbank, Ziraat Bankası (Turkey); BBVA Mexico, Banorte, Santander Mexico (Mexico); HDFC, SBI, ICICI (India); Barclays, HSBC, Lloyds (UK); ING, Revolut, N26 (Europe); Nubank, Bradesco, Itaú (Brazil); and more. If your bank isn't listed, contact us — we add new formats regularly.

What format does the CSV need to be in?

PennyRa auto-detects your bank's format. You don't need to reformat or clean your CSV file — just download it directly from your bank and import it as-is. PennyRa handles the parsing automatically.

Can I import multiple bank accounts?

Yes. You can import CSV files from multiple banks and PennyRa will combine them into a single spending view. This is especially useful for users who have both a US bank account and a home-country account.

How often should I import?

Most users import once a month when their monthly statement is available. Some import bi-weekly or weekly. There's no limit on how often you import — each import adds transactions to your existing history.

Is my CSV data secure?

Yes. Your CSV data is encrypted in transit and at rest. We use row-level security — only you can see your transactions. We never sell or share your financial data. You can export and delete your data at any time from Settings.