Questions, answered plainly

It connects to your bank accounts, pulls your transactions in automatically, and lets you attach a receipt image or PDF to any individual transaction. On top of that it gives you a monthly view of where the money went, budgets per category, and separate workspaces so personal and business spending never mix.

Connecting a bank takes a couple of minutes: you choose your institution, sign in on your bank’s own page, and pick which accounts to share. Transactions for the last few months are pulled in on the first sync, so the app is useful immediately rather than after a month of collecting data.

Not for connected accounts — those arrive on their own and update from pending to posted as they clear. You can also create manual accounts for cash, a wallet or anything without a bank feed, and enter those transactions yourself.

Yes, and that is one of the reasons it exists. Each workspace is either personal or business, holds its own accounts, categories and currency, and reports separately. One login, two sets of books, never merged into a single total.

JPEG, PNG, WebP and PDF. Photos taken on an iPhone in HEIC are converted to JPEG by iOS before they are uploaded, so those work too. Every upload is verified by its actual content rather than its file extension.

It suggests the likely transaction based on amount and date, and you confirm the match. Deliberately not fully automatic: a wrong match that nobody noticed is worse than no match at all when you are looking for proof of purchase two years later.

Yes. Uploaded images are re-encoded and their EXIF metadata, including GPS coordinates, is removed before storage. Receipts are held in a private bucket that is not publicly addressable and are served to you through short-lived signed links.

Yes. The monthly view shows what still has nothing attached, which is usually how you catch the ones you meant to photograph and did not.

Everykept uses Plaid for bank connections, which covers thousands of institutions across Canada and the United States — including the major Canadian banks and most credit unions. If your institution is supported by Plaid, it is supported here.

No. You authenticate on your bank’s own page inside Plaid’s flow. What we receive and store is an access token, encrypted at rest, that permits reading the accounts you chose to share. It cannot be used to sign in as you or to move money.

Connections expire or need re-authentication from time to time, particularly after a password change or a periodic consent renewal. When that happens the affected account is flagged and you are walked back through a short re-authentication rather than having to reconnect from scratch.

No. The connection is read-only by design. Everykept requests transaction and balance data and nothing else, so there is no mechanism in the product for initiating a payment or a transfer at your bank.

No. There is no advertising network in the product, no analytics pixel on the marketing pages, and no arrangement under which your data is sold or shared with data brokers. The business model is a subscription, not your transaction history.

Everykept is operated from Canada. The database and file storage run on infrastructure whose providers also operate outside Canada; the privacy policy names each provider and what it holds.

Yes. Account deletion is built into the settings page, it removes your transactions and receipts rather than merely deactivating the login, and the privacy policy sets out the timeline.

Because there is nothing to consent to. The only cookie Everykept sets is your session token, which is strictly necessary to keep you signed in, and the only other thing stored in your browser is your colour-scheme preference. No advertising trackers, no analytics cookies, nothing to opt out of.

It is free while the product is in beta, and no card is required to sign up. Paid plans will arrive once the product leaves beta, and anyone using it before then will be told what is changing well in advance rather than being billed by surprise.

No. Exporting what you have put in is something you should always be able to do, and any future paid tier will be about ongoing sync and storage rather than access to the records you have already built up.