What we do
We audit your bank statement — a CSV or PDF you download from your bank app. In about 30 seconds we surface what usually gets buried in the list: duplicate charges, zombie subscriptions, unusually big charges, and recurring transfers. Then we hand you a specific list of what to cancel, dispute, or get a refund on.
Why we don't connect to your bank
Most personal-finance apps ask for your bank login or an OAuth token via Plaid or Yodlee — sold as convenience, used as a constant pipeline into your data. We took the other road: you download the statement file yourself and upload it here. The audit is instant. The file is deleted in 24 hours. We have no standing access to your account.
It's a minute slower upfront and years safer downstream. We're not at the mercy of your bank's policy changes, not exposed to token leaks, not hoarding a history of your spending we don't need.
Which banks work
Native support: Chase, Bank of America, Wells Fargo, Citi, Capital One, U.S. Bank, American Express, and the major credit unions. Any other institution — try it: if the statement has a table of dates and amounts, we'll parse it automatically. If something doesn't work, drop us a line and we'll add it within a day.
How the audit works
Two techniques work side by side. Deterministic rules catch exact duplicates (same merchant, same amount, same day), recurring charges, and obvious subscriptions. An adaptive classifier sorts unique transactions into categories, flags zombie subscriptions, groups peer-to-peer transfers by recipient, and surfaces spending that breaks your usual pattern.
Security
- Sign in with Telegram — no bank password, no OAuth, no Plaid
- The statement file is encrypted on upload and deleted 24 hours after the audit
- We see only transaction descriptions and amounts — no card numbers, no full names, no SSN, no address
- We don't share data with banks, advertisers, ad networks, or credit bureaus
Contact
Support: support@pluso.com
Telegram: our Telegram bot
Legal
Pluso is not financial advice. The service's recommendations are informational; they don't replace your bank, your CPA, or a fiduciary financial planner. Decisions about chargebacks, disputes, and canceling subscriptions are yours.