Does Winnow require a live bank connection?
No. Winnow does not require a persistent live bank feed. You choose the receipts, manual entries, recurring transactions, and optional statement files you want to use.
For privacy-conscious budgeting
Build a useful budget without a permanent bank feed.
Winnow starts with purchases you choose to record: paper receipts, forwarded digital receipts, manual entries, and recurring costs. Use a statement only when you want an occasional completeness check—not as an always-on connection.
How it works
Stay deliberate about what enters your record.
Some people want budgeting context without granting a third party continuous access to every account transaction. Winnow is designed around the receipts and records you choose to add, with optional statement review when it is useful.
- 1
Capture what matters
Scan paper receipts, forward email receipts, or enter a transaction manually when you want it in your purchase history.
- 2
Organize the detail
Review item-level categories, edit smart rules, and set monthly budgets from the same records.
- 3
Use statement review occasionally
Upload a CSV or PDF statement when you want to compare it against recorded transactions and review unmatched rows.
- 4
Keep control of the record
Export itemized data when needed, request data deletion, and share only scoped read-only links for a split.
A realistic purchase
Example: a monthly completeness check
At the end of the month, you upload a statement and compare its rows with your receipts and manual purchases. An unmatched pharmacy charge is brought to review, then you decide whether to add it.
You get a useful prompt to review your history without turning on a persistent live feed.
Questions, answered
Does statement review guarantee every purchase is found?
No. It is a review aid that compares statement rows with what you have already recorded. You decide how to handle unmatched rows.