Questions and answers

Quick setup

Two ways to get your transactions in. Start with either, and add the other later from Accounts. See the quick setup with pictures.

A Import a statement (free)

1. On your bank's website, download your activity as CSV or OFX/QFX. Chase PDF statements work too.
2. Put the file in Files: Safari downloads land there, or AirDrop it from a computer.
3. In OpenStatement, choose Import statements (later: Accounts › + › Import statement) and pick the file.
4. Check the preview, choose an account, and tap Import.

B Connect SimpleFIN Bridge (automatic)

1. Create a SimpleFIN Bridge account (beta-bridge.simplefin.org). You pay SimpleFIN directly.
2. Link your banks there.
3. Create a setup token for OpenStatement.
4. In OpenStatement, choose Connect automatically, paste the token, and tap Connect.

Then you'll see your accounts, two quick choices (Face ID and renewal reminders), a short welcome tour, and your Statement. To try it first, choose Look around first for fictional sample data.

Getting started

What do I need?

An iPhone with iOS 27 or later. To sync automatically you also need a SimpleFIN Bridge account (see below), which you pay SimpleFIN for; importing statements needs nothing else.

Is there an account or ads?

No. There's no OpenStatement account, sign-in or advertising.

Where do I start?

When you first open OpenStatement, choose how your statement arrives: Connect automatically (SimpleFIN), Import statements (CSV or OFX/QFX files from your bank's website), or Look around first. Then choose whether to lock the app with Face ID and whether to get reminders before subscriptions renew.

What's the sample data?

A fictional “Sample Bank” with Everyday Checking, a Rewards Card, a Travel Card and High-Yield Savings, so you can try every screen. It's removed automatically the first time you connect SimpleFIN or import a statement, and Accounts has Remove sample data.

Is there a tour?

Yes. A short welcome tour runs after setup, and small tips appear now and then (at most one a day). Replay the tour or show tips again from Settings › Help.

Price and availability

What does OpenStatement cost?

Nothing. OpenStatement is free, with no in-app purchases, subscription or ads. Importing statements is always free. The only optional cost is SimpleFIN Bridge, if you want automatic sync, and you pay that to SimpleFIN, not to us (see below).

Where is it available?

On the App Store in the United States and Canada. SimpleFIN Bridge covers US and Canadian institutions. The CSV presets are for US banks, and the column mapper reads any other layout. Choose your currency, such as CAD, in Settings › Display.

Who's in between me and my bank?

Not us. There's no OpenStatement server or account, so we never hold your data. If you connect SimpleFIN, it's an account you hold yourself: SimpleFIN and its bank-connection partner handle your bank data under their own privacy policy, and you can switch off OpenStatement's access there at any time. If you only import statements, nobody is in between.

Is OpenStatement open source?

Not today; the code isn't public. Our goal is to open-source OpenStatement in the future.

The five tabs

Statement

This month so far: spent so far against the same point last month, the next charges, your cash and what you owe on cards; then Where it went, the pace chart and every transaction day by day. Turn your iPhone sideways to read the month as a printed statement table.

Recurring

What you pay every month: must-pay bills and subscriptions added up, against a typical month's income. People you pay and Places you go often are here too.

Accounts

Balances by institution, sync status, and + to connect SimpleFIN or import a statement.

Snapshots

Closed months, the last three side by side, and a forecast for this one.

Activity

Every transaction in one feed, with jump to month, search and filters.

Where are Sync, Discreet mode and Settings?

In the toolbar: Sync fetches new transactions (you can also pull down on the Statement), the eye button turns on Discreet mode, and Settings is in the More menu (the three dots).

Connecting SimpleFIN Bridge

SimpleFIN Bridge is an independent service that gives apps you choose a read-only feed of your bank accounts at US and Canadian institutions. You sign up and pay SimpleFIN directly: on 8 October 2026 their site listed US$1.50 a month or US$15 a year, plus tax. Check their site for the current price. OpenStatement doesn't sell SimpleFIN and earns nothing from it.

1. Create an account at SimpleFIN Bridge (beta-bridge.simplefin.org).
2. Link your banks there.
3. In SimpleFIN, create a new connection and a setup token for OpenStatement.
4. In OpenStatement, open Connect SimpleFIN (during setup, from Accounts › +, or in Settings) and paste the token.

Your accounts appear, and OpenStatement reads your recent history.

It says the token was already used.

A setup token works once. Create a new one in SimpleFIN, and disable the old one there.

How often does it update?

Bank data at SimpleFIN updates about once a day. OpenStatement checks when you open it after a few hours away, when you tap Sync, and in the background when iOS allows, so the exact timing is up to iOS.

My bank emailed me about a new sign-in or a new network.

That can happen when SimpleFIN or your bank sees access from a new network, for example as your iPhone moves between Wi-Fi and cellular. It's expected.

A bank says it needs attention.

Tap Fix at SimpleFIN in Accounts and sign in to that bank again on SimpleFIN's site.

A card balance has the wrong sign.

Open the account in Accounts and switch Bank reports what I owe as a positive number.

Managing or cancelling SimpleFIN

Your SimpleFIN subscription is between you and SimpleFIN. You bought it from them, not through the App Store, so it doesn't appear in your iPhone's Settings › Subscriptions, and we can't change, cancel or refund it.

1. In OpenStatement, tap Settings › Manage or cancel SimpleFIN (also in Accounts, and in Help › SimpleFIN). It opens SimpleFIN Bridge in Safari.
2. Sign in to your SimpleFIN Bridge account. There you can disable OpenStatement's access token, unlink banks, and manage or cancel your SimpleFIN subscription. For billing questions, use the contact page on SimpleFIN's site.
3. To stop syncing on this iPhone as well, choose Settings › Disconnect. It removes the SimpleFIN access from your iPhone's Keychain.

What happens to your statements? Cancelling SimpleFIN stops new data. What's already in OpenStatement stays on your iPhone until you erase it, and you can keep adding statements by importing files. Deleting OpenStatement doesn't cancel SimpleFIN; cancel it at SimpleFIN.

Importing statements

Accounts › + › Import statement, then pick a file in Files. Files are read on your iPhone and never uploaded.

• CSV: presets for many large US banks and card issuers, plus a column mapper with a live preview for any other layout.
• OFX, QFX or QBO: the “Quicken” or “Money” download most banks offer.
• PDF: Chase card and checking statements. Turn on Allow Chase PDF statements in Import in Settings › Your data first, and check the rows before importing.

Importing the same file again skips duplicates. Import works alongside SimpleFIN, for example to add history older than SimpleFIN provides.

Bills, utilities and subscriptions

How are subscriptions found?

Charges that repeat (weekly, monthly, quarterly or yearly) start as Suggested, with a dashed outline. Most need three charges; yearly ones need two. Tap Confirm if it's yours, or swipe left and choose Not a subscription.

How are bills found?

A payee counts as a bill once you've paid it in two of the last three months, about once a month. Amounts can vary, so the figure shown is a typical month. Bills appear under Must pay as Paid, Due or ▲ Not seen yet.

How do utility bills work?

Electricity, gas, water, internet and phone bills each show this month against their usual, the middle of up to six earlier bills: “▲ $38 more than usual”, “▼ $12 less than usual” or “about usual” (small changes count as about usual). Utilities this month adds them up. Tap a utility for its last 12 bills (fewer if your history is shorter) and the same month last year. Your bank sends what you paid, not what you used, so trends are in dollars, and a company that bills gas and electricity together stays one bill, since the bank shows only the total.

Reminders and price changes

You get a notification the day before a subscription renews, or three days before a yearly one; swipe right on a confirmed subscription to turn its reminders off or on. When a subscription costs more than before, its card shows ▲ and the difference.

It says “Possibly cancelled”.

An expected charge is later than its usual gap allows. If you've cancelled it, swipe left and choose Mark cancelled.

People and shared bills

Payments through Zelle, Venmo, Cash App and Apple Cash name the person on the other end, so OpenStatement can group them by person in Recurring › People you pay: what you sent, what you got back, the difference, the largest payment and any monthly share.

• Shared rent & bills: when you pay the same person about the same amount (within 15%, and at least $200) in two or more months, such as your share of the rent, it counts under Must pay. Switch this on or off for a person in People you pay; that makes a rule.
• One-off payments go under Paid to people, in Everything else.
• Money people send you shows in teal with a + and is set against what you've paid to people, rather than counted as income.

Places you go often

Recurring › Places you go often (also in the Everyday and Everything else group pages) lists places you've been four or more times in the last three months: how often you go, such as “mostly Saturdays” or “about weekly”, what a visit usually costs, and what they add up to. They're habits, not subscriptions, and they're worked out on your iPhone from your transactions; OpenStatement doesn't use your location.

Activity

Every transaction from every account in one scroll, newest first, with the month pinned at the top. Drag the months on the right edge to jump to a month, or use the Jump menu for a month or a date. Search by merchant, amount (for example 42.10), note or category, and filter by kind, group or account.

Snapshots and the forecast

What's a snapshot?

When a month ends it's filed like a paper statement: money in, money out, totals by category and what went on subscriptions. A charge that posts after its month closed is added as an adjustment line rather than quietly changing the month.

How does the forecast work?

It estimates where this month will end: one figure and a range, with the reasons listed, such as bills still due, renewals, your usual everyday pace and one-offs left out. It's calculated on your iPhone from your own history. No AI guesses the numbers.

Categories, rules and Apple Intelligence

How do I change a category?

Swipe a transaction and tap Category, or tap it to open it. Turn on Always to make a rule, so that merchant lands in the same place next time. Rules are in Settings › Categories & rules.

Something I moved between my own accounts counts as spending.

Change its category to Transfer, or to Savings & investing for money you put aside elsewhere.

How do I use Sort with Apple Intelligence?

Go to Settings › Sort with Apple Intelligence and tap Sort. Apple Intelligence on your iPhone suggests a category for each merchant nothing else recognised. Accept, reject or pick a different category, then tap Apply. It runs on your iPhone only, never on a server. It needs an iPhone that supports Apple Intelligence, with it turned on in Settings › Apple Intelligence & Siri; otherwise the screen says why it isn't available.

Privacy and security

• Face ID lock is on by default, including when the app first opens. Choose Lock after Immediately, 1 minute or 5 minutes in Settings › Privacy & security. The app switcher shows a plain cover.
• Discreet mode (the eye button) replaces every figure with ••••.
• What we store (Settings) shows exactly what's kept and where. The Network log lists every request the app made; it should only ever show your SimpleFIN host.
• There's no OpenStatement server. Your iPhone talks to SimpleFIN directly, and your statements stay on your iPhone. Read the privacy policy.

A new iPhone, backups and export

Is my data in iCloud Backup?

No, never. OpenStatement's data is always excluded from iCloud Backup and from backups to a computer, so your statements don't leave the phone that way.

Can I export my data?

No, by design. OpenStatement keeps your statements in one place, on your iPhone. Your bank's website still has your statements and downloads.

How do I move to a new iPhone?

OpenStatement starts empty on a new iPhone. Create a new setup token in SimpleFIN and connect again (it fetches recent months), or import your statements. Your SimpleFIN access is kept on the old iPhone only, so disable that token at SimpleFIN, and use Erase Everything on the old iPhone.

Deleting your data

You can stop using OpenStatement at any time. There's no OpenStatement account to close, and we hold none of your data.

• Settings › Erase Everything asks for Face ID, then deletes the database, the SimpleFIN access in the Keychain, scheduled notifications and settings. It can't be undone. Afterwards, revoke the access at SimpleFIN too.
• Deleting the app removes its data. iOS can keep Keychain items after an app is deleted; OpenStatement removes any leftover SimpleFIN access the next time it's installed. To remove it straight away, use Erase Everything first.

Notifications and settings

Which notifications are there?

Renewal reminders, price changes, a month's snapshot being ready, and sync problems. Turn each on or off, and choose whether amounts show, in Settings › Notifications. They're scheduled on your iPhone; no server sends them.

Can my month start on payday?

Yes. Month starts on in Settings › Display takes any day from the 1st to the 28th. Snapshots and the pace chart follow it.

Themes and display

Choose Paper, Carbon, Ledger or System, a currency, and whether to show cents, in Settings › Display.

How often does it sync?

Settings › Sync: daily, twice daily or manual. iOS decides when background sync actually runs, so treat the schedule as a hint.

Contact

OpenStatement is made by Syed Javaid. See also the privacy policy.