Most money apps ask you to choose: connect a bank and get balances, or read your email and get context. Yuki does not think that is a choice worth making, because the two sources know genuinely different things.
What each source actually knows
| Bank feed | Your inbox | |
|---|---|---|
| Current balance | Yes | No |
| Card payments nobody emails you about | Yes | No |
| What is about to be charged, and when | No | Yes |
| A price increase, before it lands | No | Yes |
| Instalment plans and buy-now-pay-later | Partly | Yes |
| The merchant’s real name, not the card descriptor | Rarely | Yes |
This is why Yuki keeps both and reconciles them on read: whichever sources you have switched on, the answer stays correct, and switching one off changes the picture immediately rather than leaving stale rows behind.
Read-only, and revocable
- Read-only by design — Yuki can see balances and transactions. It cannot move money, make a payment or change anything about the account.
- You hold the switch — disconnect from the same screen you connected on, and access ends there and then.
- Bank credentials never reach Yuki — you authenticate with your bank directly; Yuki receives a token, never your login.
- EU data residency — the same commitment as the rest of your data, and no model is trained on any of it.
It works without a bank today. Everything in Finance Home — spending, bills, subscriptions, renewal dates, receipt scanning, statement import — works from your inbox right now, with no bank connected.
Frequently asked questions
Is bank connection available yet?
Not yet — it is coming soon. Today Yuki builds your finances from the receipts, invoices and renewal notices in your inbox, which works without any bank connection at all. Open banking adds live balances on top of that.
Why connect a bank if Yuki already reads my receipts?
Because the two see different things. A bank feed knows your balance and every card payment, including the ones nobody emails you about. Your inbox knows what is about to be charged — a renewal in nine days, a price increase, an instalment plan. Neither is complete on its own, so Yuki keeps both and reconciles them.
Will the same payment show up twice?
No. Yuki matches a bank transaction to the receipt that describes it — same merchant, same amount, same few days — and shows one payment with the best detail from each side: the exact amount from the bank, the merchant name and the renewal date from the email. Two sources, one row.
Should I turn off email scanning once my bank is connected?
No, and Yuki will not ask you to. Of a thousand finance records in a typical account, hundreds carry a next-charge date or a billing cycle that a bank feed cannot produce at all — because the email arrives before the charge does. Turning it off would lose the early warning, which is the useful half.
Can Yuki move money?
No. The connection is read-only. Yuki can see balances and transactions; it cannot make a payment, move money between accounts, or act on the account in any way. You can disconnect it whenever you like and the access ends immediately.