Track your net worth without a bank connection
Many wealth-management apps demand access to your bank accounts. That is neither mandatory nor harmless. Here is how to keep a complete view of your net worth — accounts, budget, brokerage and stocks — without ever handing your banking credentials to anyone.
Why so many people refuse to connect their bank
Linking your accounts to an aggregator (Finary, Bankin', Linxo…) relies on “open banking” (PSD2): a third party gains permanent read access to all of your transactions. Convenient, but with real trade-offs.
- One more middleman on your financial data. Every service that centralises your accounts becomes a target for attackers — and one more party you have to trust.
- Permanent access, not a one-off snapshot. The connection keeps reading your accounts in the background for as long as it stays active.
- A business model worth watching. Many “free” services make their money by exploiting aggregated financial data or selling products.
- Fragile connections. A password change, two-factor authentication or a bank website redesign: syncs often break and leave gaps in your history.
What does “without a bank connection” actually mean?
You keep exactly the same information — balances, transactions, positions — but you bring it in, without ever giving a third party the keys to your accounts. Three methods combine:
- Importing statements you export yourself. From your bank's website you download an OFX, QIF or CSV file and import it into the app. The file is parsed locally, transactions are categorised and duplicates detected. No connection to your bank is ever established.
- Quick manual entry. An opening balance, a few recurring transactions, and the bulk of your budget stays up to date in a few seconds a week.
- Public stock prices. Share and ETF quotes and exchange rates are public data: fetching them automatically has nothing to do with accessing an account. Your portfolio values itself, with no credentials.
Track your brokerage and investments without linking your broker
Here too, no access to your securities account is needed for full tracking.
- You enter your orders (buy, sell, dividend), or you import your broker's positions statement in CSV.
- Cost basis, gains and losses and dividends are computed automatically from that information and public prices.
- Time-weighted performance neutralises your deposits and withdrawals, and compares against the benchmark index of your choice — without ever transmitting your broker credentials.
How to do it with PatrimoniApp
PatrimoniApp was built precisely for this scenario: a complete view of your net worth, with no server, no aggregator and no account to create.
- Your data stays with you. Everything is stored on your devices and in your iCloud, end-to-end encrypted (AES-256-GCM). The developer has no server and cannot access it.
- You import your statements. OFX, QIF or CSV exported from your bank: local parsing, automatic categorisation, duplicate detection.
- You add your investment accounts. Brokerage and tax-advantaged wrappers… with positions entered or imported; prices update on their own.
- You let the app do the work. Consolidated net worth, budget, loans, daily portfolio capture and reports — without ever having linked a single account.
Frequently asked questions
Is it less convenient than automatic bank sync?
It's a trade-off: instead of permanent access to your accounts, you import whenever it suits you (often once a week or once a month). In return, you keep full control of your data and never depend on a connection that can break.
Isn't fetching stock prices a “connection” too?
Not in the sense that matters. Quotes are public data, the same for everyone: downloading them grants no access to any of your accounts and transmits no personal information about your holdings.
Is PatrimoniApp really free?
Yes: free, with no ads and no in-app purchases. Every feature is included, and no account is required — your iCloud is enough.
Your net worth, complete and private
Download PatrimoniApp for free and track all your money without ever linking your bank accounts.