Frequently asked questions

Yes. Everything in Bunse is free: your budget and statement imports, savings, investments, pensions, loans and credit cards, your mortgage and Insights. There are no adverts, no card details to add and no account to create.

Bunse is coming to iPhone and Android. Until it's in the App Store and Google Play, you can use the web version on any phone and add it to your home screen.

No. There's no sign-up, email address or password. Open Bunse and start: everything you enter stays on your device.

Emma and Snoop work by connecting to your bank. Bunse never asks for your bank login: you import a statement file instead, and your data stays on your phone. And unlike YNAB, it's free. Our comparisons go into the details: Emma, Snoop and YNAB.

No. Bunse is a tracking tool, not a financial adviser. It shows you figures based on what you enter and never recommends what to buy, sell or hold. For advice about your own circumstances, speak to a qualified financial adviser.

No. Bunse has no Open Banking connection and never asks for your online banking login. You import a statement file you've downloaded from your bank yourself, or enter your figures by hand.

On your device, and nowhere else. Bunse has no server holding your financial data, so there's no account to break into. It also means we can't recover it for you, so export a backup from Settings now and then. If you lose your phone, restore that backup on your new one.

Your financial data never does. Bunse only goes online for exchange rates if you hold investments in dollars or euros, and for investment prices if you add your own Alpha Vantage key. Those requests carry a currency or a ticker, nothing about you. The phone apps collect no analytics. The web version asks first, and only counts which features get used. Our privacy policy has the full detail.

Yes. In the iPhone and Android apps, turn on App lock in Settings and Bunse asks for Face ID, your fingerprint or your phone's PIN before it opens.

Open Settings, tap Reset under Data reset, then Yes, erase it. That erases everything Bunse has stored on that device. We never had a copy, so there's nothing for us to delete.

Each device keeps its own copy, because nothing syncs through a server. To move to a new phone, export a backup from the old one and restore it on the new one.

Download your transactions from your bank's website or app as a file (CSV, QIF or OFX) and import it. Bunse reads it on your phone, picks out your regular bills and subscriptions, and builds your budget from them. You can also set everything up by hand.

Any bank that lets you download your transactions as a CSV, QIF or OFX file, which is most UK banks. There are step-by-step guides for Barclays, HSBC, Lloyds, Halifax, NatWest, Nationwide, Santander, Monzo and Starling. Bunse can't read PDF statements.

Yes. When you import a statement, Bunse spots regular payments to services like Netflix or Spotify and offers to track them. It then shows when each renews, what it costs a year, and when a price goes up.

A quick rating of up to three money habits: your savings rate, your emergency fund and how much of your credit card limits you use. Each is scored against a UK rule of thumb, from Safety flame through Warming up to Full heat.

Yes. Add each fund or share you hold and log what you buy and sell. For live prices, add a free Alpha Vantage key; or update a holding's value yourself from your broker's app.

Yes. Add each pot, whether workplace, SIPP or defined benefit, and log contributions as they go in. Your employer's contributions are tracked separately from yours, so you can finally see them add up.

Yes. Add each rate deal as it starts, and Bunse estimates your balance, shows what overpaying would save, checks your plan against the usual 10% a year allowance, and can remind you before your deal ends. Want to try the numbers first? Use the free overpayment calculator.

Yes, as many as you have. Bunse shows what you owe on each and how much of your credit limits you're using, and can remind you before a 0% deal ends.

A quick way to ask about your own numbers. Pick a question such as "How much did I spend on Groceries last month?", fill in the blanks, and get the answer straight away. It's worked out on your phone from your own data: it isn't an AI chatbot and sends nothing anywhere.

Email hello@bunse.uk. A real person reads every message, and bug reports and feedback shape what gets fixed and built next.

Please email hello@bunse.uk with the details. See reporting a vulnerability for what to include.