The problem
You don't bank in one place. So why does your money live in ten?
Chequing here, a card there, investments somewhere else. Nowhere does it all add up, and no bank will build that place for you. Keeping you under one roof is the point.
The apps that promise to fix it want your banking password. The ones that don't make you type in every transaction by hand. Both last about two weeks.
NBU is the third option.
Export a statement from each bank. It takes about 30 seconds, and every major bank supports it. NBU pulls them into one view, and your password never leaves your bank.
How it works
It's a once-a-month thing. We built it that way on purpose.
One focused session a month, and you're done until the next one. That's the design.
Export your statements.
A CSV from each bank, about 30 seconds per account.
Drop them into NBU.
Valerie maps the columns and sorts every transaction in under a minute.
See where you stand.
Spending, net worth, progress: every account in one picture.
Close the tab.
Nothing nags you to come back. See you next month.
The part no one else does
Cards that pay you back.
Done well, churning is one of the most lucrative things a disciplined person can do, and the overhead is what stops most people. NBU tracks every chase against your real spending, with a straight answer when the math doesn't work.
- Spend targets and deadlines, tracked from your statements
- Cancel-by alerts before the annual fee hits
- Every chase checked against your real spending
The toolkit
Everything else, handled.
The boring part, done for you.
"TIM HORTONS #4821" becomes Dining Out, automatically. When Valerie is unsure, she asks instead of guessing.
Meet ValerieAsk your money anything.
"Why did I spend more in March?" Valerie knows your numbers and answers in plain language.
See howRewarded for logging off.
Sparks get cheaper the less often you show up. No streak to keep, and none of the guilt.
How Sparks workPrivacy-first
We don't need your bank login. And we don't want it.
Most budgeting apps connect to your bank by screen-scraping or third-party access. Both mean handing over your credentials. NBU never does that: you upload a file you already downloaded, and your login stays between you and your bank.