Frequently asked questions

PrivatBank and Monobank CSV statements; Oschadbank, Raiffeisen Bank, A-Bank and Scotiabank PDF statements; OFX, QFX and QBO files from any bank that offers them; and the CSV export of the Saldo app. MoneyFlux detects the format from the file itself, so you never pick it from a list. How to export a statement from each bank

No. MoneyFlux never connects to a bank and never asks for a banking login, card number or password. You download a statement file from your bank yourself and pick it in the app. MoneyFlux is not affiliated with any bank.

No. Import a statement to add a whole month at once, and on iPhone a Shortcuts automation can log each in-store Apple Pay payment for you. You can still add cash spending by hand in a few taps. Read: import a statement instead of typing

Rows that are already in your ledger are skipped, so importing an overlapping period never adds a transaction twice. Before anything is saved you see every row and can recategorize, tag, annotate or skip it.

On your device and in your own private iCloud, through Apple's CloudKit private database, where only you can read it. The developer cannot access it. Your statement file is read on your phone and the file itself is not uploaded anywhere. Read the privacy policy

Two things, both named in the privacy policy: a subscription receipt if you subscribe to Premium, and, only if you switch the optional AI assistant on, a summary of the totals on the screen you ask about. Individual transactions, account numbers and the names of people you lent to are never sent.

Yes. Turn on the Face ID or passcode lock in Settings. It is off by default, and the app switcher shows an opaque cover instead of your balances.

MoneyFlux is an expense and income tracker for iPhone and iPad that starts from the statement your bank already gives you. Import the file, review every row, and see spending, subscriptions, personal loans, net worth and trading calls side by side. There is no sign-up, no ads and no trackers. See every feature

No, on purpose. MoneyFlux keeps UAH, USD, EUR, CAD, GBP, CHF, PLN and RON side by side and shows totals per currency. It never adds them up with an exchange rate it made up, so every figure is money you actually have. Read: tracking expenses in several currencies

On iPhone, yes. Create a Wallet automation in the Shortcuts app that runs MoneyFlux's Log contactless purchase action, and every in-store Apple Pay tap is saved to the account you choose. Online and in-app payments don't trigger it, so import your statement to catch those. Step-by-step setup guide

Not category budgets. It shows where your money went by category and merchant, compares periods, and lets you set a savings target as a share of your real income plus savings goals with deadlines.

iPhone and iPad with iOS or iPadOS 26.1 or later. It also runs on Apple silicon Macs and Apple Vision Pro as an iPad app. There is no Android or web version.

Your first statement import is free. After that, importing statements is part of MoneyFlux Premium. Adding transactions by hand and logging Apple Pay purchases are always free.

In the US App Store, MoneyFlux Premium is $4.99 a month or $29.99 a year, and the annual plan starts with a 7-day free trial. Prices in other countries differ and the App Store shows yours before you subscribe. The ledger itself is free forever.

Unlimited statement imports, Commitments for subscriptions and loans, Positions with the trader scorecard, capital snapshots and health, period comparison and filters in Analytics, CSV, PDF and JSON export, and the optional Ask AI assistant.

Cancel anytime in your Apple Account settings under Subscriptions; deleting the app does not cancel it. If Premium lapses you keep read access to everything you created, and anyone who ever subscribed keeps export. Refunds are handled by Apple.

Yes, through your own iCloud account. Sign in to the same Apple Account on both devices with iCloud enabled for MoneyFlux, and Settings shows the live sync status.

Premium exports CSV files, a PDF statement and a full JSON backup. Restoring a JSON backup, by merging or replacing, is always free. Settings also has Delete all data, which erases the device and the iCloud copy.

Email support@moneyflux.app or open Settings, then Support, in the app, which pre-fills the app version and device model so we can help faster. Visit the support page