Use Pennyweight without a bank link

Last updated October 13, 2026

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If your bank can't be linked to Pennyweight, you can still keep every account up to date. Add the account by hand, then give your AI a statement or an export, and it adds the transactions after you approve a preview. Before you start, connect your AI.

Why there's no bank link

Pennyweight links banks in the US only. If your bank is elsewhere, or a US bank you can't link, use a manual account and statement imports. The "Outside the US? Add manually" link on the connect-a-bank page brings you here.

How it works

Add the account. Ask your AI to add it, or open Settings, go to Accounts and choose Add manually. The New manual account form takes a name, an optional institution, a type, a starting balance, a currency and a ledger. See add a manual account.
Pick the currency when you add it. If your AI doesn't give one, the account takes its ledger's currency, then the workspace's.
Give an opening balance. A manual account needs the balance it had at the start of your first statement before the first import saves. An account you add in Settings still needs one, because the form's starting balance isn't recorded as an opening balance. Your AI asks for it. See set or correct an opening balance.
Share the file with your AI and name the account it belongs to.
Check the preview, then say yes. Your AI saves the rows and reports how many went in.

Try asking

Read iso.csv and add its transactions to my Everyday Checking account.

Try asking

Add a checking account called Cedar Valley Credit Union to my Household ledger, with 2,500.00 in it, so I can import its statements.

Your AI does the reading

Pennyweight has no reader for PDFs, images, spreadsheets or bank formats such as OFX, QIF or MT940. Your AI opens the file in your chat and sends the transactions to Pennyweight as rows, each with a date in YYYY-MM-DD form, a signed amount and a merchant. Pennyweight saves the transactions, not the file. Whether your AI can open a particular file, such as a scanned page or a password-protected PDF, depends on your AI app.

This is the default route for every format, CSV included. Pennyweight can also take a CSV file directly. That route is for advanced use: if the dates aren't written as YYYY-MM-DD, your AI has to tell Pennyweight the file's date order, such as day first, or the whole file is refused. Pennyweight never guesses it. See import a CSV and bank CSVs with decimal commas, semicolons and day-first dates.

Find your path

By region

By file

Good to know

One account per import. Each import goes into one account. If a file covers several accounts, your AI imports it in parts.
Duplicates are matched exactly, in the target account. A row with the same date, the same amount to the cent, the same currency and the same merchant name as a transaction already in that account is marked a likely duplicate and skipped. Merchant names count as the same when they differ only in capitalization, or in the spacing or punctuation between words. A row with the same date and amount but a different merchant is flagged for a look and imported unless you say otherwise. A line repeated exactly inside the same file is usually flagged for a look and imported unless you say to skip it, because two identical charges on one day can both be real. Reading an import preview explains when a repeat is skipped. Transactions in other accounts aren't checked, so a statement imported into the wrong account isn't flagged. See find and fix duplicates.
Overlapping statements. If your bank words a merchant differently in two statements, the repeat is flagged for a look, not skipped. If the date differs, it isn't matched at all. Check the preview before you confirm.
No conversion at import. Each transaction is saved in the currency it was imported in, even when that differs from the account's currency. See accounts and totals in more than one currency.
Undo. Imported the wrong file? Your AI can undo the whole import. Removed rows can be restored for 30 days. See undo an import.
Using ChatGPT? See ChatGPT won't add or change data.