A Budgeting App Without a Bank Login
MoneyFlow never asks for your online banking username or password. There's no step, on any plan, that involves entering bank credentials anywhere.
What sharing a bank login usually involves
Most apps that automatically import transactions do it by routing your bank username and password through a data aggregator - a company like Plaid, Finicity, or MX - which uses those credentials to establish a connection to your bank on the app's behalf. The credentials are typically only used at setup, and the connection itself is encrypted, but your login still passes through a system outside your bank and the app you're using.
How MoneyFlow avoids it entirely
There's no bank-linking step in MoneyFlow at all. You create an account with your email, and you log income, spending, bills, debts, subscriptions, and goals yourself. Your bank login never enters the picture because there's nowhere in the app that asks for it.
What you still get
Skipping bank login sharing doesn't mean a stripped-down app. Safe-to-Spend, net worth tracking, and debt payoff planning all run on what you enter, the same as they would on imported data.
This is closely related to budgeting without a bank connection - see the full picture on budgeting without bank account linking.
Frequently asked questions
Does MoneyFlow ever ask for my online banking username or password?+
No, on any plan. There's no step in setting up or using MoneyFlow that involves entering bank credentials - you create an account with your own email, not with your bank login.
How do bank logins usually get shared with budgeting apps?+
Most bank-linked apps route your bank credentials through a data aggregator - a company like Plaid, Finicity, or MX - which uses them to pull transaction data on the app's behalf. The connection is typically encrypted, but it still means a third party held your login at some point to set it up.
Is it risky to give a budgeting app my bank login?+
Reputable aggregators use bank-level encryption and generally don't store raw credentials after the initial connection. The tradeoff isn't that it's unsafe by design, it's that it adds a party - your bank, the aggregator, and the app - to the list of systems your credentials or data pass through. Skipping the connection removes that exposure.
If I don't link my bank, how does MoneyFlow know my balance?+
You enter it. Starting balances, debts, and account values are typed in once as a baseline, and MoneyFlow tracks changes from what you log afterward - no login required to keep that number current.
Start tracking without sharing a bank login
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