Regulated open banking has not reached Canada yet, so an app that links to your bank today often does it by logging in as you. Mitten never asks. Download a statement from TD, RBC or Scotiabank, upload it, and Penny sorts it into one budget your household shares.
Free for 14 days, no card needed.
Penny: PAYROLL DEPOSIT is your paycheque, so it goes under Salary.
03/03/2026,GROCERY STORE PURCHASE,86.45,,3402.60 03/05/2026,PAYROLL DEPOSIT EXAMPLE EMPLOYER,,2450.00,5852.60 03/06/2026,PRE-AUTHORIZED RENT,780.00,,5072.60
In the ledger
The Financial Consumer Agency of Canada's own page says open banking, which Canada calls consumer-driven banking, is not available yet. Budget 2025 handed the first phase to the Bank of Canada, and draft regulations came out in June 2026. The start date will be set when the final regulations are published.
Until then, many apps that connect to a Canadian bank use screen scraping. You give them your online banking credentials and they sign in as you. Ottawa plans to prohibit it once the new framework is fully operational. Mitten never needs it. You download the statement yourself, and your password stays with you.
The federal budget hands the first phase of consumer-driven banking to the Bank of Canada, and says screen scraping will be prohibited once the framework is fully operational.
Ottawa pre-publishes regulations for the next phase. Timing will be set out when the final regulations are published.
The FCAC's own page still reads that open banking is not available in Canada yet.
Canadian exports are an odd bunch. TD's has no header row at all, and RBC names its amount column CAD$. Each layout below has a test file the importer runs against.
No header row: date, description, debit, credit and balance, in that order, with dates written month-first. The column a number sits in is the only thing that says which way the money went.
Built and tested against this bank's export format, from a published sample or a working importer.
The amount column is literally named CAD$, with a USD$ column beside it, and the description is split across two columns.
Layout rebuilt from public documentation rather than a published sample.
A Filter column that repeats the statement period on every row, then a signed Amount and a running Balance.
Layout rebuilt from public documentation rather than a published sample.
The personal chequing eStatement, with withdrawals and deposits in separate columns and one date printed per same-day group, like 15 Mar.
Tested against a sample statement this bank publishes.
Dates like Apr 1 with no year on the row, and every description wrapping onto a second line.
Layout rebuilt from public documentation rather than a published sample.
Bank not listed? Upload the statement anyway. Penny reads PDFs from most banks directly, and if yours does not go through, send it to support@mitten.money and we will look at it.
No partnership with any bank, and nothing here is certified or endorsed by one. Bank names belong to their owners. The rows in our test files are made up; no real customer statement is used.
If a linked app has ever dropped its connection or changed your numbers without warning, or you would simply rather no third party held your banking password, Mitten was built with you in mind. The whole household reads one budget, up to five people on one plan, and nothing arrives that you did not upload yourself. Setting it up together for the first time? Start with how couples budget together.
If automatic sync matters most to you, a bank-linking app deserves a look, and the compare page sets out what each approach is good at. Sharing bills with a partner or roommates? Our guide to splitting bills runs the numbers three ways.
Budgeting without bank sync
A monthly routine built on downloaded statements, and why it can be the more accurate way.How couples budget together
Start with one honest conversation, then keep the budget alive with ten minutes together every Sunday.Splitting bills as a couple
One household's shared bills split half each, by income and a mix of both, so you can see what each partner keeps.Up to 5 members, each with their own login, for $12/month or $89/year. The first 14 days are free, no card needed.
Shown in US dollars here. Checkout shows exactly what you will pay before you pay. See pricing
Free for 14 days, no card needed.
