Peppies

A budget app without a bank connection

All the overview, none of the PSD2 hassle. With Peppies you do not link your bank and you never hand over login details — you import your own statement and stay in control of your data.

Free to start Privacy-friendly Made in the Netherlands

Many budget apps want access to your bank account through an open-banking connection. Rather not? Peppies works differently: you download your bank statement and drag it into the app. It is read on your own device and categorised automatically. That gives you a complete expense tracker without any app being able to look into your account around the clock.

No connection, no credentials

You never enter a bank password and you do not link an account. No ongoing access to your balance — you decide what you import and when.

Import your own statement

Download your statement from your bank (CSV, MT940, CAMT or Excel) and drag it in. Peppies recognises duplicate transactions and fixed costs by itself.

On your own device

The import happens locally in your browser. Your transaction file does not need to pass through all kinds of systems — it stays close to you.

Privacy-friendly, made in the Netherlands

We do not sell or share your financial data. You can export everything or delete your account with a single click.

Frequently asked questions

Do I need PSD2 or a bank connection?

No. Peppies works without a bank connection. You import a statement file yourself; you are never asked for your bank credentials.

So how does my data get in?

You download your statement from your bank and drag it into Peppies. It is read on your own device and categorised automatically.

Can you see my balance or transactions?

No, we have no access to that. You decide what you import; your financial data stays yours.

Is it GDPR-compliant and made in the Netherlands?

Yes. Peppies is made in the Netherlands and designed to be data-minimal. You can export your data or delete your account straight away.

Is it free?

Starting is free. The extended budgeting tools are in Complete (€1.99 per month), which you can cancel monthly.

Start today — for free

Create an account in half a minute. No credit card, no download required.

Start for free