Dinerio vs Whisper Money

Head to head

Two ways of never touching your credentials

Dinerio's argument is coherent and deserves explaining properly: if the app never connects to your bank, there are no credentials to leak and no permission to revoke. It is a legitimate way to solve the problem, and the price of that peace of mind is that the user types everything.

One thing is worth clearing up, because it is the most common confusion in this market: connecting your bank over PSD2 does not mean giving your keys to anybody. PSD2 is the European open banking regulation. The authorisation is signed on your own bank's website, with your own authentication factors, and what the application receives is a read permission — temporary, and revocable from the bank whenever you like. We never see or store your username or your password at any point.

So the real difference is not privacy against convenience: it is who does the work of entering the data. In Dinerio you always do. Here you choose: connect it and it comes in on its own, or do not connect and import the statement, which is the same data you would be feeding Dinerio by hand, without typing it line by line.

And on which of the two is more verifiable, the answer applies to both: look at the code. Ours is public.

What changes when you move from Dinerio to Whisper Money

• A permanent free plan, not just a 14-day trial.
• You can work without connecting any bank, exactly as in Dinerio, and still load years of statements in minutes.
• If you do decide to connect, the authorisation is signed on your bank's website and revoked from there.
• CSV, XLS and XLSX import with column mapping, duplicate detection and per-account saved mapping.
• Brokers and exchanges integrated: Indexa Capital, Interactive Brokers, Wise, Binance, Bitpanda and Coinbase.
• Property and loans, for the complete net worth figure.
• Category budgets, cash flow and net worth in the same application.
• Automation rules and optional AI categorisation that learns from your corrections.
• Interface in English, Spanish and French, across 33 currencies.
• Public code on GitHub and no data shared with third parties.

How to migrate from Dinerio to Whisper Money, step by step

Dinerio's site does not document a transaction export, so the reliable route is the same one you used to feed Dinerio: your bank statement. The difference is that here you upload it instead of typing it.

1. 1

   Create your account and decide whether to connect

   If you want to carry on without a bank connection, create the accounts by hand and skip to step three. If you would rather it came in on its own, connect the institution by authorising access on the bank's website; you can revoke it there whenever you want.

2. 2

   Check what the connection brings

   The first sync downloads whatever history your institution hands over and leaves the account updating itself. Whatever is missing gets filled in by importing, and you do not have to decide that now: you can import later.

3. 3

   Download your statements

   In each account's online banking, export the transactions over the widest period it allows, in CSV, XLS or XLSX. If you were keeping the books by hand and have that history in a spreadsheet, that works as it is too.

4. 4

   Upload the file and confirm the mapping

   You pick the destination account and drag the file in. Spanish banking headers are detected automatically: you confirm date, description and amount, and optionally balance, creditor and debtor. You pick the date format from four options and see the first three rows already parsed. The mapping is saved for that account.

5. 5

   Check duplicates and confirm

   The preview gives you the total, the selected rows and the duplicates, matched against what is already in the account and unticked by default. On import your automation rules run, and the AI categorises whatever is left if you have turned it on.

What people already using it say