Plan your money without linking
your bank account.
Almost every money app starts the same way: connect your bank through an aggregator and hope the connection stays reliable. deezbills is built on a different idea. Your bank credentials never leave your bank, and Fred keeps your plan current anyway.
The short version
deezbills has no bank linking, on purpose. Your credentials stay with your bank, there is no connection to break, and nothing waits on a rollout. Spending comes in whichever way suits the moment: your Gmail inbox, a receipt photo, a statement upload, a text to Fred, or a three-second quick add. Sending something in takes seconds, and everything after that is Fred’s. He already knows your numbers, so when a question comes up you ask him instead of a forum full of strangers or a chatbot that has never seen your finances. He builds the plan, keeps it current, and tells you what is safe to spend. He asks before he changes anything. No Plaid, no aggregators, no shared credentials, not because those tools are bad, but because deezbills is built to not need them.
Want the money work done for you?
Trial for freeYour bank credentials
Works with
Canadian bank connections
When a connection breaks
How spending gets in
Who keeps the plan current
Effort from you
Data incentives
Recurring bills
| Feature | deezbills | Bank-linking apps |
|---|---|---|
| Your bank credentials | Stay with your bank, always | Authorized through an aggregator (Plaid and similar) |
| Works with | Wherever you bank | Whatever the aggregator supports |
| Canadian bank connections | Nothing to connect | Reliability depends on the bank and connector |
| When a connection breaks | No connection to break | Data may pause until reconnected |
| How spending gets in | Gmail, receipt scan, statements, SMS to Fred, quick add | Automatic transaction feed |
| Who keeps the plan current | Fred, as bills, pay, and spending change | You, from the imported feed |
| Effort from you | Seconds here and there | Near zero, while it works |
| Data incentives | Paid product. No ads, data never sold | Varies by app; check the privacy policy |
| Recurring bills | Found, tracked, price jumps flagged | Detected from the feed |
The right column describes bank-syncing apps as a category (Mint before shutdown, Monarch, and similar), not any single product. All product names mentioned are trademarks of their respective owners; deezbills is not affiliated with any of them.
Ready for the work to be done for you?
Trial for freeWhat about open banking?
Open banking deserves a straight answer, because it is a real improvement. Instead of handing an app your bank password, you authorize your bank to share specific data through a regulated connection. The UK has worked this way since 2018, and open banking is coming to Canada, with a consumer-driven banking framework now law and read access to account data planned first. But it is not the default reality for most people yet. Until the system is fully running, many apps that sync Canadian bank accounts still rely on third-party connection workarounds.
deezbills is designed so your budget does not have to wait for that rollout. Even the best open banking is still a live connection between your accounts and a third party, something to authorize, renew, and trust. deezbills does not need one, so there is nothing to wait for and nothing to reauthorize next year. Your budget works the same in Toronto, London, or anywhere else, because it never depended on a connection in the first place. And if open banking one day meets the standard our users expect for reliability and security, it could become one more optional way in. The promise that does not change: your budget will never require it.
So who is Fred?
Fred is the financial copilot inside deezbills, and the reason none of this feels like manual tracking. Connect your Gmail inbox and receipts file themselves. Snap a paper receipt, upload a statement, text him from the checkout line, or quick add in three seconds. Everything after that is his. He files what you send, keeps the plan current, and tells you what changed and why. He suggests, you approve, and your bank login is never part of the conversation.
These are real answers from real runs, not scripts written for this page. Press play, or watch the video.
Actual Fred responses from a synthetic Smith family profile.
How do my expenses get in without bank syncing?
Pick whatever fits the moment. Connect your Gmail inbox and receipts file themselves. Forward an email receipt. Snap a photo of a paper one. Upload a bank statement and deezbills reads it. Text Fred from the checkout line. Or quick add in about three seconds. Most people land on a hands-off mix: Gmail does the heavy lifting, Fred catches the rest.
Is manual tracking a chore?
It would be if it were manual in the spreadsheet sense. It is closer to forwarding an email. The capture paths exist so that keeping your plan current takes seconds, not sessions, and many expenses, recurring bills, rent, subscriptions, are tracked automatically once deezbills knows about them. It logs them when they hit, flags price jumps, and notices when one goes missing.
Why not just use Plaid like other apps?
Plaid and similar aggregators are useful tools, and this is not a claim that they are unsafe. deezbills simply chooses not to depend on them, for three reasons. Privacy: linking means authorizing a third party into your account data, and we think the simplest place for your credentials is with your bank. Reliability: connection quality varies by bank and connector, and a budget that quietly stops syncing becomes a budget you stop trusting. Universality: without linking, deezbills works no matter where you bank, on day one.
Is open banking available in Canada?
Not yet, for most people. Canada’s consumer-driven banking framework is now law and the rollout is underway, with read access to account data planned first and payments later, but timelines have moved before and open banking is not the default reality in Canada today. Until the system is fully running, many apps that sync Canadian bank accounts still rely on third-party connection workarounds. deezbills does not depend on any of it: there is no connection to wait for.
Will deezbills use open banking when it launches in Canada?
Maybe, one day. deezbills is built so it never needs a connection to your bank, and that stays true whatever happens with open banking. If Canada’s framework matures to the standard our users expect for reliability and security, we may integrate it as one more optional way in. Either way, nothing about your budget waits on a rollout, and no bank login stays the default.
Is deezbills actually private?
Your information is encrypted in transit and at rest the way a bank protects sensitive data. We never ask for your bank login, never sell your data, and run no ads. deezbills is a paid subscription, which is exactly why it does not need to monetize your financial life.
What is the catch?
Honestly: if you want every transaction to appear with zero involvement ever, deezbills is not built for that, and accepting credential sharing is the price of the apps that are. deezbills asks for a little participation, a connected inbox and an occasional photo or text, and gives you back privacy, a plan that cannot silently stop syncing, and Fred doing the rest of the work.