The money app that never asks for your bank login.
Every other budgeting app wants access to your account. Pekvio doesn't. You download your own statements and upload them — Pekvio reads every line, tells you where the money went, and shows you what's coming. There are no credentials for us to hold and no third-party processor in the middle. A little more sits with you, and we think that's the right trade.
Built in the UK by accountants, not a Silicon Valley startup.
We never ask for your bank login · from £59/year · cancel any time
30 days free, then 60-day money back if it isn't for you.
- bank connections. You download your own statements, so nothing sits between you and your bank.
- from advertisers or data brokers. Your subscription is our only revenue. That is the whole business model.
- of your data is exportable and permanently deletable, whenever you want, without asking us.
What sits between you and your money app
Open banking is regulated and consent-based. It also means a company you didn't pick holds a live connection to your account. Some people are fine with that. If you aren't, there is another way to do this.
How it actually works
There is one extra step compared with connecting your bank, and it takes about a minute. That minute is the whole reason there is nothing in the middle.
More than tracking: this is financial clarity
Pekvio doesn't just log expenses. It helps you plan, project, and build confidence — all from statements you already have.
Upload statements, stay in control
Download your statements from any UK bank, upload them, and Pekvio reads everything in seconds. No bank logins, no Plaid, no live connections — because your data belongs to you.
Plan ahead, not just look back
What if you cut takeaways? What if you overpay the mortgage? Run real scenarios, build a debt-free timeline, and see your savings projection — from your actual numbers.
Your whole money story, one screen
Current accounts, ISAs, credit cards, mortgages — all in one place. Interactive charts switch between months, years and categories. Built for the UK, in pounds.
Year in Money
An annual review no other app offers. See how your finances shifted across the year — income trends, spending patterns, subscription changes. Shareable, clear, and genuinely useful.
Guidance that finds you
Weekly check-ins, monthly digests, price-rise alerts. Pekvio nudges you forward — even when you haven't opened the app in weeks.
Catch forgotten subscriptions
We spot recurring charges and help you cancel. Direct links where we have them, ready-to-send emails where we don't. One cancellation usually covers the year.
Tips backed by your numbers
'Your eating out is up 40% this month — if you cap it at £200, you save £1,680 a year.' Specific, helpful, never guilt-driven.
Your data stays yours
Stored securely, never sold or shared with anyone. Export everything or delete it permanently, any time, without asking us. Your subscription is our only revenue — there is no other business model here.
Proudly UK-built
Built by Finstrive, a UK accounting firm, not a Silicon Valley startup. We understand ISAs, HMRC, and UK banking — and we're here for the long run.
Your money. Your hands. The clarity you deserve.
Most finance apps demand your bank login, then quietly sync in the background. You stay passive, and a stranger gets a live feed of everything you spend. That's not how it should work.
Pekvio works differently on purpose. You bring your statements, you stay in the driver's seat, and you actually understand your money instead of outsourcing it. That small, deliberate step is what builds real financial confidence — and it's why our members tell us they've never felt more in control.
You're in control.
No bank logins, no background tracking. Nothing happens to your data without you.
See it in a new light.
Pekvio turns your raw statements into clear patterns, plain-language insight and concrete next steps.
Built to teach, not just track.
Every upload is a moment to engage with your finances — and every month you get a little sharper.
Pekvio is built by Finstrive, a UK accounting firm. We don't sync behind your back. We give you the tools, the clarity, and the guidance — and put you back in charge of your own financial story.
Meet Vio — your private financial guide
Built by the accountants at Finstrive, Vio uses only your actual statements to answer real questions: "Can I overpay my mortgage?", "What happens if I cut eating out in half?", "How much am I really spending on subscriptions?"
No bank logins, no shared data, no guesswork. Vio grounds every answer in your numbers — and nothing else. Just clear, forward-looking direction you can actually act on.
Try asking Vio a question in the live demoWhy we built Pekvio
We kept giving clients the same advice, and watching the tools get in the way
We're an accounting firm. For years, the first thing we did for a new client was sit down with their bank statements and work out where the money was actually going. It is not complicated work. It is just work nobody has time to do.
Every app we could have recommended wanted the same thing first: connect your bank. Hand over access, let a third party hold a live link to your accounts, and hope the company is still around next year. Plenty weren't — Money Dashboard closed its consumer apps and took a lot of people's financial history with it.
So we built the thing we were doing by hand. You download your statements — the same ones your bank already gives you — and Pekvio reads them. No live connection, no credentials, nothing sitting between you and your bank.
That means a little more responsibility sits with you: once a month, you fetch the statement. We think that is the right trade. It is your money, your data, and your decision what to do about it. Our job is to make the ten minutes after the upload worth it.
We don't publish customer testimonials. Not until we have real ones, given freely and with permission. Until then, judge us on the product — the demo is the whole thing, with no account needed.
Try the live demo— The team at Finstrive
Retire your budgeting spreadsheet
No more evenings spent updating formulas and hunting down errors. Upload a statement and our system does the analysis for you.
- Hours typing transactions into spreadsheets
- Formulas that break the moment you add a row
- Copy-paste errors that quietly skew your numbers
- Charts you have to rebuild every single month
- Upload your statement, that's the whole job
- Pekvio reads and categorises every transaction
- Reports, charts and budgets build themselves
- Always accurate, always up to date
Simple, honest pricing
You pay for the product, so the product never has to sell you. No ads, no data broking, no upsells inside the app.
Pekvio
Households and privacy-conscious individuals
£4.92 a month, billed once a year
- Unlimited statement uploads — PDF, CSV or OFX
- Dashboard, budgets, goals and analytics
- Subscription and price-rise audit
- Vio — your private financial guide
- Full data export and deletion, any time
Pekvio Plus
Self-employed, side hustles and landlords
£7.42 a month, billed once a year
- Everything in Pekvio
- Business income and expense tracking
- Tax-category breakdown for self-employment and property
- Per-property tagging for landlords
- Your year in quarters
- The accountant hand-off pack — Excel, CSV, PDF and Xero-ready
- Priority support
What you are actually paying for
- No bank login, everYou upload your own statements. There is no password for us to hold and none for anyone to steal.
- No third-party processorNothing is routed through an account-access provider, because Pekvio never connects to your bank.
- Your data leaves whenever you wantFull export in one click, deletion in two. If Pekvio ever shut down, your history is still yours.
- Built by a UK accountancy firmWe built the thing we were already doing by hand for clients.