Using Pennyweight in Australia and New Zealand

If you bank in Australia or New Zealand, your accounts can't be linked to Pennyweight, but your bank's transaction export keeps them up to date. Add an account in AUD or NZD, share the export with your AI, and it brings the rows in after you approve a preview. For the general steps, see use Pennyweight without a bank link.

What your bank can export

Examples from banks' own help pages:

• Westpac's business Online Banking exports CSV, QBO, QIF or OFX. You choose a file format and a date format when you export.
• Suncorp Bank's business Internet Banking saves transaction results as CSV, OFX, QIF or ASCII.
• Macquarie's business online banking exports CSV or QIF.
• BNZ Internet Banking exports CSV, GIFTs or QIF. BNZ's Internet Banking for Business transaction-history CSV writes dates as DD/MM/YYYY, shows debits with a minus sign, and has Payee, Particulars, Code and Reference columns.

Pennyweight has no reader for OFX, QBO or QIF files. Your AI reads the file and sends the rows to Pennyweight, each with a date in YYYY-MM-DD form and a signed amount. See OFX, QFX and QBO files and QIF files.

How to do it

1. Add the account in its currency. Ask your AI for an AUD or NZD account. If you don't give a currency, the account takes its ledger's currency, then the workspace's. See add a manual account.
2. Give an opening balance. A new manual account needs the balance it had before the first transaction in your file before its first import saves. See set or correct an opening balance.
3. Export from your bank. If your bank lets you choose a date format, any order works. Tell your AI which one you picked.
4. Share the file and name the account it belongs to.
5. Check the preview, then say yes.

What you'll see

For the first prompt, your AI adds the AUD account and previews the rows with the balance they would leave. After you confirm, it reports how many rows were saved to the new account.

For the second, your AI names the currency the OFX file declares and previews the rows. Nothing is saved.

Good to know

• Day-first dates. A date such as 03/04/2026 is 3 April when it's day first and 4 March when it's month first. If every day in your file is 12 or lower, tell your AI the order. For QIF files, see QIF files.
• The direct CSV upload needs the date order named. Pennyweight can also read a CSV file itself. It converts dates written DD/MM/YYYY, such as 25/09/2026, once your AI names that order. It never guesses the order, and a date it can't convert, such as one with a two-digit year, blocks the whole file. The upload picks the merchant from a ranked list of headers, such as Payee, Description, Narrative or Particulars. See the CSV format reference and bank CSVs with day-first dates.
• Check the currency. An OFX file names its default currency in a CURDEF line, so make sure it matches the account. The preview flags any row your AI sends in a currency other than the account's. Each amount is stored in its own currency and is never converted. Totals that combine your ledgers, such as your net worth, keep the figures per currency and add one figure in your display currency; see choose the currency for totals across ledgers and accounts and totals in more than one currency.
• One account per import. Each import goes into one account. A file that covers several accounts is imported in parts.
• Wrong rows? Your AI can remove the whole import and run it again. See undo an import.
• Your rules run on import. Your active rules categorize matching rows when the import is saved. To skip them, ask your AI to import without applying your rules. See who wins: you, your rules, or the bank.