Download a statement
Sign in to your credit union’s website or app and look for Statements, Documents or Export. Choose CSV, Excel or PDF, covering the last three to six months.
Spensyble › Credit union members
For credit union membersA budgeting app that doesn’t need to connect to your credit union.
Many budgeting apps link to your accounts through a bank-connection service, and coverage of credit unions can be patchy. Spensyble works from a statement you download yourself, so there is nothing to connect.
7-day free trial for new subscribers, then $79.99/year or $9.99/month. Cancel anytime.
How it works
Three steps, using your credit union’s own statement.
Add it to Spensyble
Spensyble reads the transactions and finds your paycheck and your recurring bills for you. You confirm what it found.
See what is safe to spend
Enter today’s balance. Spensyble takes out every bill due before your next payday and shows what is actually yours.
What you get
One clear number until payday.
Your balance, minus the bills due before your next paycheck. No categories to set up and no account to link.
- Bills and paychecks detected from your own statement
- A bar that splits money locked for bills from money that is yours
- A dated list of the bills due before payday
- A heads-up if your balance will dip before payday
Good to know
What this approach does and doesn’t do.
It needs a file, not a connection
It works if your credit union lets you download transactions or a statement. Look for Statements, Documents or Export in its website or app.
It isn’t a live feed
Your number is as current as the statement and balance you give it. Add a newer statement to refresh it.
It stays on your phone
Statements are processed on your iPhone. No bank login, no account linking, and no server that receives your financial data. Read the privacy policy.
FAQ
Questions from credit union members.
Does Spensyble work with my credit union?
If your credit union lets you download your transactions or a statement as a CSV, Excel or PDF file, yes. Spensyble never connects to your credit union, so there is no list of supported institutions to check.
Do I have to give Spensyble my online banking login?
No. Spensyble never asks for a bank login and never links to your account. You add a file you download yourself.
Is my statement uploaded anywhere?
No. Statements are processed on your iPhone, and there is no server that receives your financial data. The privacy policy has the details.
Will my balance update on its own?
No. Spensyble works from the statements you add, not a live feed. To refresh your number, add a newer statement and enter today's balance.
What if my PDF statement can't be read?
CSV and Excel files are the most reliable. PDFs are read from the text inside the file, and Spensyble shows a preview so you can check the rows before importing. A scanned or photographed PDF has no text to read, so download an electronic copy from your credit union instead.
How much does it cost?
New subscribers get a 7-day free trial, then $79.99 a year or $9.99 a month. You can cancel anytime in your App Store settings.
Find out what is really yours to spend.
Download Spensyble and add the statement you already have.
7-day free trial for new subscribers. No bank login.