Using Pennyweight anywhere else

Pennyweight links banks in the US only. If your bank is anywhere without its own page here, you add each account by hand in its own currency, and your AI reads your statements or screenshots into it. New to this? Start with use Pennyweight without a bank link.

Pick your currencies first

You choose a base currency when you sign up, and it can't be changed later. A new ledger takes it unless you name another, and a new account takes its ledger's currency unless you name another. See choosing your base and ledger currencies.

Each account can have its own currency. Name it when you add the account, using its three-letter code, such as AED, ZAR, KES or EGP. Pennyweight accepts active ISO 4217 currency codes, not fund, metal or other special codes, and refuses anything else.

What your bank gives you

Your AI can work from a PDF statement or from a screenshot of your banking app. What your bank offers depends on the bank. One example from a bank's own page: Emirates NBD sends its e-statements as PDFs to your registered email, protected by a password, which is your CIF ID.

Pennyweight has no reader for PDFs or images, and it saves the transactions, not the file. Your AI opens the file in your chat and sends the transactions to Pennyweight as rows. See import a PDF or screenshot statement and import from your phone.

How to do it

1. Ask your AI to add a manual account in your bank's currency. Give the balance at the start of your oldest statement as its opening balance. A new manual account needs one before its first import saves.
2. Share the statement, or a screenshot of your banking app, and name the account.
3. Check the preview: how many rows are new, and the account's balance after the import. For a statement, that balance should equal its closing balance.
4. Say yes. Your AI saves the rows and reports how many went in.
5. Repeat with the next statement, oldest first. Later imports build on the opening balance already set.

What you'll see

For the first prompt, your AI adds Dirham Current in AED, reads the statement and shows a preview: how many rows are new and the account's balance after the import. For this statement, that balance equals the closing balance printed on it. After you confirm, your AI reports how many rows were saved.

For the second, your AI adds Shilling Account in KES, reads the rows off the image and previews them, then saves them after you confirm.

Good to know

• Your currency stays your currency. Rows without their own currency take the account's currency. 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.
• Protected PDFs. Whether your AI can open a password-protected PDF depends on your AI app. If it can't, open the file yourself and save a copy without the password.
• Overlapping screenshots. A row that matches one already in the account on date, amount and merchant is flagged as a likely duplicate and skipped. A row that repeats inside the same import, such as one that shows on two overlapping screenshots, is saved and flagged for a look, because nothing in a screenshot tells it apart from a second real purchase. Check the preview, and ask your AI to drop any row you know is a double.
• CSV downloads. Pennyweight can also read a CSV file directly. It converts dates written YYYY-MM-DD, MM/DD/YYYY, DD/MM/YYYY, DD.MM.YYYY or YYYYMMDD once your AI names which order the file uses. It never guesses the order, and a date in any other form blocks the whole file. For those, let your AI read the file. See bank CSVs with decimal commas, semicolons and day-first dates.
• A balance that doesn't match. Check the opening balance and each row's direction. Your AI can undo the whole import and run it again. See undo an import. See balance looks wrong after an import.
• Other regions. See the pages for the UK and Europe, Canada, Australia and New Zealand, Latin America, India and Japan.