Your money, once a month.
NBU brings every account, across every bank and credit card, into one clear picture. Import your statements once a month, let Valerie sort the mess, and see where you stand. No bank login. No daily check-ins.
Free during beta. No credit card. No bank login.
You don't bank in one place. So why does your money live in ten?
A chequing account here. A credit card there. Investments somewhere else. Maybe a Desjardins account on top. Every Canadian ends up with money spread across institutions that don't talk to each other, with no single place where it all adds up.
The apps that promise to fix that usually ask for your banking password so they can log in as you. A lot of people aren't comfortable with that, and honestly, fair. The ones that don't ask for your password make you type every transaction in by hand, which lasts about two weeks.
So most people give up and go back to a spreadsheet, or to nothing.
NBU is the third option.
You export a statement from each bank. A CSV takes about 30 seconds, and every major bank and financial institution supports this. NBU pulls everything into one view. Your password never leaves your bank, and your accounts finally sit side by side.
It's a once-a-month thing. We built it that way on purpose.
Most money apps want you logging in every day, nudging you, keeping you a little anxious. NBU doesn't. Once a month, you sit down for one focused session, and then you're done until next month. Easy.
Export your statements.
Log into each bank and export a CSV, or a PDF if that's all your bank gives you. About 30 seconds per account, and you're not handing a login to anyone.
Export your statements.
Log into each bank and export a CSV, or a PDF if that's all your bank gives you. About 30 seconds per account, and you're not handing a login to anyone.
Drop them into NBU.
Valerie recognizes the format, maps the columns, and categorizes every transaction. Most imports finish in under a minute. Anything she's unsure about, she flags instead of guessing silently.
Drop them into NBU.
Valerie recognizes the format, maps the columns, and categorizes every transaction. Most imports finish in under a minute. Anything she's unsure about, she flags instead of guessing silently.
See where you stand.
Spending by category, across every account. Your net worth, pulled from your savings and investments. Your progress against last month. One full picture, finally.
See where you stand.
Spending by category, across every account. Your net worth, pulled from your savings and investments. Your progress against last month. One full picture, finally.
Close the tab.
That's it. NBU congratulates you and sends you on your way. No streak to keep, no daily reminder. See you next month.
Close the tab.
That's it. NBU congratulates you and sends you on your way. No streak to keep, no daily reminder. See you next month.
Every account. One number that's actually yours.
This is the part the banks can't do for you, and have no real reason to. RBC won't show you your Scotiabank card. Your Desjardins app doesn't know about your Wealthsimple account, and no bank gains anything by making it easy for your money to live somewhere else. Keeping you under one roof is kind of the point. NBU does it because you bring the data together yourself, with no third party in the middle.
Once it's in, you see total spending across everything, net worth that counts all your accounts, and patterns you'd never spot looking at one statement at a time.
The boring part, done for you.
Categorizing transactions used to mean staring at a list of cryptic merchant names. Valerie reads them for you. "TIM HORTONS #4821" becomes Dining Out, "LOBLAWS" becomes Groceries, and the whole import is sorted in seconds.
She's good, not perfect. When she's unsure, she tells you instead of guessing. Fix anything with two clicks, and she learns your preferences as you go. Got a stubborn unknown merchant? Send it back for a deeper look, and she'll search the web to figure out who it is.
And you can ask her things like, "Why did I spend more in March?", "What's my average grocery bill?" or "Am I on track for my savings goal?". She knows your numbers and explains what she finds in plain language. Not a financial advisor, but a lot more useful than a spreadsheet.
We don't need your bank login. And we don't want it.
Most budgeting apps connect to your bank by screen-scraping or asking you to authorize third-party access. Both mean handing over your credentials. NBU never does that. You upload a file you already downloaded, and your banking login stays between you and your bank. Safe, simple, reliable.
Read our Privacy PolicyKnowing where your money goes is just the start.
For most people, the monthly review is enough: a clearer picture, less stress, better calls. But once your basics are solid, NBU opens a door most money apps don't.
If you're disciplined, churning credit cards and bank accounts pays well. Welcome bonuses, reward categories, sign-up offers. The catch is the overhead: tracking spend targets, remembering cancel-by dates, making sure the chase doesn't quietly blow your budget or cost you a missed payment. NBU tracks all of it against your real spending, so the rewards stay worth it.
We keep these features behind a healthy Financial Health Score on purpose. Churning only pays off when your foundation is solid, so NBU helps you build that first.
See how Strategy worksWe reward you for not being here every day.
NBU runs on Sparks, small credits that power Valerie's AI work. The part we like: the system rewards healthy habits, not addiction.
Well-rested discount.
Been away five days or more? Welcome back: your next 20 AI actions are 50% off. We'd rather you live your life and come back fresh.
Flow state.
Deep in your monthly review? The more you do in one sitting, the cheaper each action gets, down to a single Spark.
Earn by contributing.
Categorize an unknown merchant or map a new bank format, and you earn Sparks. You're making NBU better for every Canadian who comes after you.
No streaks, no guilt about logging off. The system is built to leave you alone.
Your money's been talking. Once a month is enough to listen.
Free during beta. No credit card. No bank login.
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