Money accounts are tracking records
The account setup asks for a name, type, currency and starting balance. It does not ask you to sign in to a bank. Creating a Bank account in Spndy does not connect or authorise access to your bank.
Keep your records current
Record income and expenses yourself. CSV import can bring transactions into a selected account when your plan includes it. Review Activity and compare it with your own records.
What Spndy does not do
Recording an expense, tracking a subscription or marking a bill paid does not send money or authorise a bank payment. Make real payments through your usual payment service.