Export a CSV from your internet banking, drag it into Budgi, and AI categorises every transaction. It's manual — a two-minute habit once a month — and it works with every Australian bank.
See the live demoThree steps, about two minutes. You choose when to do it.
In internet banking, open the account, pick a date range and download the transactions as CSV. Every Australian bank offers this, usually one or two clicks from the transaction list.
Budgi reads the file as your bank exported it and works out which columns are the date, description and amount. No renaming headings, no reformatting, no template to match.
Each transaction is categorised for you, and duplicates are detected — so if your new file overlaps the last one, nothing gets counted twice. Fix any category and Budgi remembers it.
We'd rather say it plainly than dress it up. Nothing syncs in the background and nothing arrives between uploads — you upload a file when you want your numbers updated.
Roughly two minutes: download the CSV, drag it in, done.
Most people do it once a month, when they sit down to look at their budget anyway.
You can import more often if you want a closer view — there is no limit.
Between uploads, your Budgi numbers reflect the last file you imported. Nothing else changes them.
The trade-off is deliberate: a monthly upload in exchange for no bank connection, no consent to renew, and no third party holding a copy of your banking data.
If your bank lets you download a transaction file — and they all do — it works with Budgi. There is no supported-bank list to check, because there is no connection to support.
CBA, Westpac, NAB and ANZ, plus ING, Macquarie, Up, Bendigo, Suncorp, ME, HSBC and the rest.
Credit unions, mutuals and smaller institutions that bank-feed coverage skipped over. If they export a CSV, you are in.
Accounts on older platforms that data-sharing rules never covered still export transactions perfectly well.
Account types excluded from CDR sharing are no different here — it is just a file you download.
A bank feed means an accredited third party holds a standing connection to your accounts. CSV import means you hand over one file. That is a real difference, not a consolation prize.
Nothing to authorise, nothing to re-consent to every 12 months, no consent dashboard to keep an eye on.
Budgi has no read access to your accounts. It cannot look at your balances or transactions, now or later, unless you upload a file.
No accredited intermediary sits between you and Budgi holding its own copy of your banking data.
You choose what to upload and when. Delete your data and there is no connection left behind to unwind.
Budgi is free. Not a free tier with the useful parts held back — every feature is included, with no paid plans to move up to.
Unlimited CSV imports, AI categorisation, budgets, net worth tracking and the rest. No card, no trial clock.
Every bank that lets you export a transaction file from internet banking — which is effectively all of them. CBA, Westpac, NAB, ANZ, ING, Macquarie, Up, Bendigo, Suncorp, ME, HSBC and the rest. Because the file comes from you rather than from a data-sharing connection, there is no supported-bank list to check.
No. There is no bank connection, no CDR consent to grant, and no ongoing read access to your accounts. You export a file and upload it. That is the entire relationship.
It is manual. You download a CSV from internet banking and drag it into Budgi — around two minutes, and most people do it once a month when they sit down with their budget. Nothing arrives on its own between uploads.
No. Budgi reads the file as your bank exported it and works out which columns hold the date, description and amount. You do not need to rename headings, reorder columns or clean anything up.
Budgi detects duplicates, so re-importing an overlapping date range is safe. You will not end up with the same transaction counted twice.
Nothing. Budgi is free and every feature is included — there are no paid tiers.