I don’t want to give a budgeting app access to my online banking credentials just to track expenses.

The app lets you track expenses without sharing your online banking credentials. It provides a safer, privacy-focused way to manage spending while keeping account logins completely under your control.

This feature enables expense tracking without requiring you to connect your bank accounts or provide online banking credentials. Instead of asking for direct account access, it supports privacy-first workflows that keep your login details private and separate from the app. You can still record and categorize purchases so you can understand where your money goes. This reduces the security risk associated with storing or sharing sensitive banking credentials with third-party services. It also helps users who are uncomfortable with bank integrations, or whose banks are not supported by traditional linking providers. The feature is useful for people who want to start budgeting quickly without completing a bank-connection flow. It supports use cases like tracking cash purchases, shared expenses, subscriptions, and occasional discretionary spending. Overall, it prioritizes user control and data minimization while still enabling practical expense awareness and budgeting habits.