Higher privacy
No bank login details and no mandatory bank access.
Privacy by design
Track your money without connecting your bank
Neto is manual on purpose. It does not ask for banking credentials or bank access. You decide what matters and keep control of your data.
No banking credentialsFace IDHide balances
What you gain from a manual model
More flexibility
Cash, international accounts, and assets outside a bank still fit the model.
Better control
You decide what belongs in your financial picture instead of importing everything blindly.
Manual doesn't mean slow
The trick is cutting steps. Neto includes shortcuts so that logging a movement never turns into a task you postpone.
- Log expenses and income with account, category and date.
- Scan receipts to fill in the details faster.
- Siri, Apple Pay, widgets and deep links, so you log without opening half the app.
- Recurring transactions with Neto PRO for payments that repeat.
What connecting your bank actually involves
When an app "connects to your bank", it is almost never the app: it is an intermediary aggregator granted permission to read your transactions. That permission can go through the regulated route (PSD2, with consent and an expiry date) or the old route, where you hand over your credentials and the aggregator logs in as if it were you.
With the regulated route the risk is reasonable and bounded. With the second you are giving the keys to your online banking to a third party you neither know nor chose, and one that is a far more attractive target than you are: whoever breaches it does not get one account, they get thousands.
What you gain and what you lose by not connecting
It is worth saying in full: not connecting your bank has a cost. You have to record transactions yourself, and that is a few seconds a day you would not spend with a connection.
In exchange you get three things. First, nobody has access to your accounts. Second, it does not break: bank connections fail every few weeks, the bank changes something and you are left without data exactly when you were relying on it. And third, the least obvious one, recording an expense forces you to look at it. Plenty of people who have tried both say real control arrived when it stopped being automatic.
It is not the right choice for everyone. It is the right choice if you care that your banking data never leaves your bank.
- No banking credentials, at any point.
- Works with any bank in the world, because it does not depend on your bank offering an integration.
- Does not break when the bank changes its website or its API.
Frequently asked questions
Is not connecting the bank worse?
Not necessarily. It's a choice. Neto puts privacy, control and flexibility ahead of full automation.
Do my banking details leave my control?
Neto never asks for bank passwords or access to your accounts, so there are no banking credentials to share with the app in the first place.
Can I track investments?
Yes. With Neto PRO you can track crypto, stocks, ETFs, funds, custom assets and debts.
So I have to record everything by hand?
Expenses yes, but designed to take seconds: from the widget, without opening the whole app. Account balances get adjusted occasionally, not daily.
Is it genuinely safer or does it just look safer?
It is safer by construction: what does not exist cannot leak. If Neto stores no banking credentials, neither a bug on our side nor a breach can expose them.
What if you add bank syncing one day?
The whole premise of the product is the opposite, and it is what makes it different. If it ever existed, it would be optional and off by default.