BankStmt is an account aggregation utility for UK Retail Banks and Credit Cards. It currently supports American Express, Co-operative Bank, First Direct, Halifax, MBNA, Marks & Spencer Credit Cards, Nationwide, Post Office Savings, Royal Bank of Scotland (RBS), Santander, Barclaycard, NatWest Lloyds, TSB, Barclays and Paypal but more services will be added in future. BankStmt holds all your bank statements in one place: and synchronises them with your online bank, without requiring you to login. Credentials are stored encrypted within the application, and these are then used in the background to retrieve your statement data from your bank.
BankStmt is not affiliated to any banking provider and is an independent development. American Express, Amex, Co-operative, First Direct, Halifax, MBNA, Marks & Spencer, M&S, M&S Bank, Nationwide, Post Office Savings, RBS, Royal Bank of Scotland, Santander, Barclaycard, NatWest, Barclays, Paypal, Lloyds and TSB are trademarks of their respective owners.
BankStmt is safe. We happily submit BankStmt to any third party independent tests. It includes configurable proxy settings so that you can test it yourself on any home network using freely downloadable industry-standard tooling (Fiddler2 on Windows). If you want to test it yourself, you can always look at the activity logs of your own local wireless network when your device is on wifi to establish that no other hosts than those required are being accessed.
All data is stored encrypted to AES-256. Like PassBx, the full decryption key is not stored on your device, so your details are safe. 3 consecutive failed logins will destroy all data on the device, should your device fall into the wrong hands. If this happens accidentally, you will need to re-register all of your accounts, and historical statement data will be lost.
No communication is made to any other service than your bank - there is no server part of this application - communication occurs between your android device and your bank only, over the normal HTTPS connection that any web browser uses. Each account you set up also has a "Restricted To" setting, which is used as a host-based white-list. These white-lists are pre-configured when you set up a new account for the currently supported banking providers (changing them will cause account refresh to fail).
Accounts may be bookmarked, and the main view filtered for quick and easy access to the statements that matter.
Auto-synchronisation can be enabled on login and on schedule. However, daily scheduled synchronisation requires your passphrase to decrypt the login details and retrieve data. Scheduled synchronisation represents a security risk - and you will be required to accept security warnings when enabling it. If you do not choose to enable it, (and we understand why you wouldn't) only the most recent transactions are retrieved, so we recommend you log in and refresh at least once every few days, or gaps may appear in your statement history.
BankStmt has been 10 years in the making (the idea was born in 2002, but technology has been somewhat slow to catch up), so we think it's worth the price of a coffee. There is an ad-supported "Free" version available if you wish to just try it.
Please send any requests for additional banking providers, questions, problems or feature requests to: [email protected]
or via twitter: @passbx
We would also request that before posting a negative review that you contact us via email - as we would be delighted to address any issues or concerns that you may have.
1. Fixed a login issue for RBS.
2. Added error notification for when MBNA request manual logins on their site.