No open banking

Your bank credentials never leave your bank

We never ask for your username, password or one-time codes, and we don't use an aggregator that does it for us. There are no access tokens to your accounts that could leak, and nothing to revoke: if you stop using netclariq tomorrow, there's nothing to disconnect at your bank.

• Zero bank credentials stored
• No open-banking or aggregator middlemen
• No read access to your real accounts

Importing a CSV takes seconds

Download your bank statement as a CSV and upload it. Choose which column is the date, the amount and the description, and netclariq creates the transactions against the account you pick. The second time, the mapping is remembered — it's a couple of clicks a month.

And what repeats, records itself

Your paycheck, mortgage, subscriptions and recurring bills are set up once as recurring transactions and appear every month. Categorization rules assign the category based on the transaction type or description text, so the manual part is mostly just reviewing.

• Recurring transactions with frequency and end date
• Rules based on transaction type or description text
• Fast search and entry with keyboard shortcuts

You control what you keep and where

You decide the level of detail: track every transaction, or just balances and monthly closes. Data is hosted in the EU, encrypted and isolated per workspace, and you can export it or delete your account whenever you want.