PennyRa is the simplest way to manage your money in the UK. No Open Banking connection, no shared credentials — just download your statement CSV from Barclays, HSBC, Lloyds, NatWest, Monzo, or Starling Bank and upload it in seconds. PennyRa categorizes your transactions automatically and helps you set budget goals in pounds sterling. The free plan covers 100 transactions per month and requires no credit card.
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.