Germans value privacy — and PennyRa is built with that in mind. There is no bank login, no Plaid, and no third-party access to your account. Simply download your account statement as a CSV from Deutsche Bank, Commerzbank, DKB, or your local Sparkasse and upload it to PennyRa. Your transactions are categorized instantly, your budget is tracked automatically, and your data stays under your control.
Free plan available · No bank login required
PennyRa never asks for your bank credentials. Download your CSV statement and upload it — your login stays yours.
Every bank in the world lets you export transactions as a CSV file. PennyRa auto-maps the columns and categorizes everything.
Up to 100 transactions per month and 3 accounts — completely free. No credit card, no trial that auto-charges.