No bank login required
Budgeting without linking
your bank account.
Almost every budgeting app starts the same way: connect your bank through an aggregator and hope the connection stays reliable. deezbills is built on a different idea. Your bank credentials never leave your bank, and your budget still runs itself.
The short version
deezbills is a budgeting app with no bank linking, on purpose. Spending arrives through your Gmail inbox, receipt photos, statement uploads, texting Fred, or a three-second quick add, and deezbills turns it into the one answer you actually want: what is safe to spend today. No Plaid, no aggregators, no shared credentials, not because those tools are bad, but because deezbills is built to not need them. Nothing needs to connect, so it works no matter where you bank.
Want a budget that never asks for your bank login?
Start a free trialAt a glance
Your bank credentials
Works with
Canadian bank connections
When a connection breaks
How spending gets in
Effort from you
Data incentives
Recurring bills
| Feature | deezbills | Bank-linking apps |
|---|---|---|
| Your bank credentials | Stay with your bank, always | Authorized through an aggregator (Plaid and similar) |
| Works with | Wherever you bank | Whatever the aggregator supports |
| Canadian bank connections | Nothing to connect | Reliability depends on the bank and connector |
| When a connection breaks | No connection to break | Data may pause until reconnected |
| How spending gets in | Gmail, receipt scan, statements, SMS to Fred, quick add | Automatic transaction feed |
| Effort from you | Seconds here and there | Near zero, while it works |
| Data incentives | Paid product. No ads, data never sold | Varies by app; check the privacy policy |
| Recurring bills | Found, tracked, price jumps flagged | Detected from the feed |
The right column describes bank-syncing apps as a category (Mint before shutdown, Monarch, and similar), not any single product. All product names mentioned are trademarks of their respective owners; deezbills is not affiliated with any of them.
Keep your bank login where it belongs?
Start a free trialThe trade, stated plainly
What you give, what you get
Bank linking buys convenience, and it costs you three things: an aggregator holding a live connection into your accounts, reliability that varies by bank and connector, and a dependency you only notice when it breaks. The day the sync pauses is the day your budget stops being true.
Your budget should not depend on someone else's connection.
No sync to break, no login to share, nothing to quietly stop working.
deezbills flips the trade. You put in seconds here and there: forward a receipt, snap a photo, text Fred, or let Gmail do it for you. In return you get a plan that cannot fall out of date on its own, privacy that does not depend on anyone's API, and a product that works the same whether you bank with RBC, a tiny credit union, or a bank in another country entirely.
The open banking question
What about open banking?
Open banking deserves a straight answer, because it is a real improvement. Instead of handing an app your bank password, you authorize your bank to share specific data through a regulated connection. The UK has worked this way since 2018, and open banking is coming to Canada, with a consumer-driven banking framework now law and read access to account data planned first. But it is not the default reality for most people yet. Until the system is fully running, many apps that sync Canadian bank accounts still rely on third-party connection workarounds.
deezbills is designed so your budget does not have to wait for that rollout. Even the best open banking is still a live connection between your accounts and a third party, something to authorize, renew, and trust. deezbills does not need one, so there is nothing to wait for and nothing to reauthorize next year. Your budget works the same in Toronto, London, or anywhere else, because it never depended on a connection in the first place. And if open banking one day meets the standard our users expect for reliability and security, it could become one more optional way in. The promise that does not change: your budget will never require it.
Track your finances, your way
Five ways in, none of them a password
Hands-off: connect your Gmail inbox so receipts and bills file themselves, or forward one the moment it lands. Snap and upload: photograph a paper receipt or upload a bank statement and deezbills reads it. Just tell Fred: text him from anywhere, chat in the app, or quick add in three seconds. Every path feeds the same plan and the same safe-to-spend number.
Fred is the reason this stays effortless. He is a financial copilot who knows your plan: he logs whatever you send him, keeps budgets paced, shows you where each paycheck should go every payday, and tells you what changed and why. You approve every change he suggests, and your bank login is never part of the conversation. Here is what capture without a password looks like:
A Fred moment
An honest fit check
Choose a bank-linking app if
- You want every transaction imported with zero participation, ever, and accept credential sharing as the price
- Your bank connections have always held up, and reconnecting once in a while does not bother you
- You want automatic investment holdings tracking today (automated investment, mortgage, and interest account tracking is on the deezbills roadmap)
Choose deezbills if
- You have always been uneasy typing your bank password into someone else’s app
- You bank somewhere aggregators handle badly, a Canadian credit union, a smaller bank, or another country
- You would trade a few seconds of input for a budget that can never silently stop syncing
- You want one safe-to-spend number and a copilot doing the math, not another dashboard
Common questions
How do my expenses get in without bank syncing?
Pick whatever fits the moment. Connect your Gmail inbox and receipts file themselves. Forward an email receipt. Snap a photo of a paper one. Upload a bank statement and deezbills reads it. Text Fred from the checkout line. Or quick add in about three seconds. Most people land on a hands-off mix: Gmail does the heavy lifting, Fred catches the rest.
Is manual tracking a chore?
It would be if it were manual in the spreadsheet sense. It is closer to forwarding an email. The capture paths exist so that keeping your plan current takes seconds, not sessions, and many expenses, recurring bills, rent, subscriptions, are tracked automatically once deezbills knows about them. It logs them when they hit, flags price jumps, and notices when one goes missing.
Why not just use Plaid like other apps?
Plaid and similar aggregators are useful tools, and this is not a claim that they are unsafe. deezbills simply chooses not to depend on them, for three reasons. Privacy: linking means authorizing a third party into your account data, and we think the simplest place for your credentials is with your bank. Reliability: connection quality varies by bank and connector, and a budget that quietly stops syncing becomes a budget you stop trusting. Universality: without linking, deezbills works no matter where you bank, on day one.
Is open banking available in Canada?
Not yet, for most people. Canada’s consumer-driven banking framework is now law and the rollout is underway, with read access to account data planned first and payments later, but timelines have moved before and open banking is not the default reality in Canada today. Until the system is fully running, many apps that sync Canadian bank accounts still rely on third-party connection workarounds. deezbills does not depend on any of it: there is no connection to wait for.
Will deezbills use open banking when it launches in Canada?
Maybe, one day. deezbills is built so it never needs a connection to your bank, and that stays true whatever happens with open banking. If Canada’s framework matures to the standard our users expect for reliability and security, we may integrate it as one more optional way in. Either way, nothing about your budget waits on a rollout, and no bank login stays the default.
Is deezbills actually private?
Your information is encrypted in transit and at rest the way a bank protects sensitive data. We never ask for your bank login, never sell your data, and run no ads. deezbills is a paid subscription, which is exactly why it does not need to monetize your financial life.
What is the catch?
Honestly: if you want every transaction to appear with zero involvement ever, a bank-syncing app like Monarch will suit you better, as long as you accept the linking that comes with it. deezbills asks for a little participation, a connected inbox, an occasional photo or text, and gives you back privacy, reliability, and a plan that works no matter where you bank.