Does Winnow require a connected bank account?
No. Winnow does not require a live bank connection. You choose the receipts, manual entries, recurring transactions, and optional statements you want to use.
How Winnow works
From purchase to organized record.
Winnow combines receipts, manual entries, recurring transactions, and optional statement review into one searchable purchase history.
- 1
Capture
Scan a receipt, forward a digital receipt, add a transaction manually, or keep a recurring cost on record.
- 2
Process
Winnow extracts the merchant, totals, tax, tips, and individual items from receipts you add.
- 3
Organize
Built-in categories, custom groupings, and editable smart rules make the record easier to use.
- 4
Review
Upload a statement when you want to compare it with recorded transactions and review unmatched rows.
- 5
Use
Search purchase history, watch category budgets, export records, and split shared costs with others.
The useful difference
A merchant total tells part of the story.
A bank statement may show a single store total. Winnow connects that total to the individual purchases, categories, and source receipt behind it.
Explore item-level recordsTARGET T-2841
$127.43
Laundry detergent
Household
Groceries (12 items)
Food
Phone charger
Electronics
Search examples
How much did I spend on groceries last month?
Find the batteries I bought at Target.
Which purchases are missing receipts?
Guest split link
Assign items or divide a shared purchase, then let a guest review a read-only breakdown in their browser. No installation is needed.
Greenfield Market split
Read-only · expires in 7 days
Questions, answered
A purchase record on your terms.
What does statement review do?
It compares rows from a statement you upload with the transactions you have already recorded, then gives you unmatched rows to review. It is a completeness check, not persistent syncing or guaranteed accounting accuracy.
Can someone review a split without signing up?
Yes. Winnow can create a read-only split link for a guest to review in their browser. The link expires after seven days.