If your household keeps money in two places, say a high-street current account for the bills and Revolut for everything else, export a statement from each and upload both. Penny sorts every line into one budget in euro that everyone in the house can see.
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Penny: S/O to LANDLORD is the standing order for your rent.
Posted Account, Posted Transactions Date, Description1, Description2, Description3, Debit Amount, Credit Amount,Balance,Posted Currency,Transaction Type,Local Currency Amount,Local Currency IE00AIBK00000001,02/03/2026,"POS","SUPERMARKET","DUBLIN",38.20,,2461.80,EUR,Debit,38.20,EUR IE00AIBK00000001,05/03/2026,"CREDIT","EXAMPLE EMPLOYER","SALARY",,2380.00,4745.80,EUR,Credit,2380.00,EUR IE00AIBK00000001,06/03/2026,"S/O","LANDLORD","RENT",1150.00,,3595.80,EUR,Debit,1150.00,EUR
In the ledger
Three exports that could hardly look less alike. AIB splits the description across three columns, PTSB lists the newest transaction first, and Revolut stamps every row with a time. Each has a test file the importer runs against.
The description split across three columns, Debit and Credit columns side by side, and the header's own uneven spacing kept exactly as AIB writes it.
Built and tested against this bank's export format, from a published sample or a working importer.
Every field in quotes, numbers included, Money in (€) and Money out (€) columns, dates like 02 Dec 19, and the newest transaction first.
Built and tested against this bank's export format, from a published sample or a working importer.
Dates written year-first with a time, like 2026-03-02 08:14:02, a signed Amount, fees in their own column, and a State column that can read PENDING.
Built and tested against this bank's export format, from a published sample or a working importer.
We looked for a published sample PDF statement from AIB, Bank of Ireland, Permanent TSB, Revolut and An Post Money and found none we could use, so our Irish tests run on CSV exports. An Irish PDF still goes through the same reader as every other PDF, and every row it brings in can be edited or deleted afterwards.
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.
The rent comes out of one account, the ESB bill out of another, and the weekly shop goes on whichever card is nearest. Mitten gives all of it one home, up to five members on one plan, with envelope budgets and a debt payoff plan built from your real transactions. How couples budget together and joint versus separate accounts show how other households set it up.
Weighing Mitten against a bank-linking app? The compare page sets out what each approach is good at. For a house share that mostly needs to settle up, see our guide to splitting bills.
Joint or separate accounts?
Fully joint, fully separate, or a shared bills pot in between, and how to choose.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.Under the EU's second Payment Services Directive, which became Irish law in January 2018, you can let a regulated provider read your account data, and the Central Bank of Ireland supervises the firms that do it. The EU has since agreed the next round of rules, PSD3 and a new Payment Services Regulation, which as of October 2026 are not yet in force.
Mitten reads statements by design. You export the accounts the household should see, nothing refreshes behind your back, and nothing arrives that you did not upload yourself. It works the same way in every country, which helps when one of you still has an account in the UK or further afield.
PSD2 becomes Irish law through the European Union (Payment Services) Regulations 2018.
The Council of the EU publishes the final compromise texts for PSD3 and the Payment Services Regulation. Formal adoption is still pending.
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