Australia, no bank link
A money app for Australia that does not link to your bank
Tobsy is a money app made in Australia that does not connect to your bank: no bank login, no Open Banking, no feed. You type a purchase in a few taps, or catch up from a screenshot or a statement, and every entry lives in a Google Sheet in your own Google Drive.
· 3 min read
It is A$59 once, after thirty days free, priced in Australian dollars. It is made by one person, a sole trader in Australia.
| Topic | Tobsy |
|---|---|
| Bank link | None. No bank login, no account sync, no Open Banking |
| Budgeting | Intentions: flexible. Zero-based, envelope-style rollover, 50/30/20 or any percentages |
| Where your data lives | A Google Sheet in your own Google Drive |
| Price | A$59 once, after thirty days free. No subscription, no renewal |
| People | Up to six on one copy, and any two can share a household |
| Currency | The Australian dollar as your base, or any other. Foreign spending at the rate on the day |
| Languages | English, Spanish, Portuguese, Italian, German, Dutch and French |
No Open Banking, by design
Australia's Consumer Data Right, often called Open Banking, lets you choose to share your banking data with an app. Tobsy does not use it, so there is no connection to set up and nothing for a bank to hand over. Entering a purchase yourself is the point: it takes a few taps, and it is the moment you notice.
Feeds are useful, and they come with upkeep: a Consumer Data Right consent lasts 12 months at most before it is given again, and Plaid, a connector many apps use, says a merchant's name or category "may be incorrect", so a statement is cross-checked either way.
When you fall behind, drop in a screenshot from your banking app, read on your own phone, or import a CSV statement. The rows are laid out for a quick check, and nothing reaches your ledger until you say so.
Budget the way you already do
Budgeting in Tobsy is called Intentions. Set an intention per category in dollars or as a percent of income, and Tobsy shows what is left against your income, so you can assign every dollar the zero-based way. Rollover carries what you did not spend into next month's intention, envelope-style. A Savings floor lets you pay yourself first, and a goal shows a suggested amount a month to reach it.
Priced in Australian dollars
The trial needs an email address and nothing else: no card, no password. On day thirty-one the app stops and asks to be paid for, and everything you entered stays in your sheet whether you pay or not.
Paddle, in London, takes the payment, so it appears on your statement as PADDLE.NET* TOBSY. Some Australian cards add a small international-transaction fee; that is the bank's charge. Refunds are on request within 14 days, and in Australia the consumer guarantees apply. The ABN is on the terms page.
Does it work in New Zealand?
Yes. Pick the New Zealand dollar as your base currency, and dates and numbers follow your country's formatting. The price is set in Australian dollars and charged in your own currency at the checkout's rate. Try your bank's statement or screenshots in the thirty days free; you see every row before anything is saved.
See it first in the demo, or read privacy by design and for couples and families.
Sources
- Tobsy pricing — the price, the trial, the card-surcharge note, currencies and languages; read 2026-10-13
- Tobsy terms — sole trader in Australia, the ABN, Paddle, consumer guarantees; read 2026-10-13
- Privacy by design — no bank connections, screenshots read on the device; read 2026-10-13
- Staying ahead — intentions in dollars or percent, rollover and roll-under; read 2026-10-13
- Consumer Data Right — what the CDR lets a person do; read 2026-10-13
- OAIC, CDR Privacy Safeguard Guidelines, Chapter C: Consent — a consumer consent lasts 12 months at most; read 2026-10-13
- Plaid docs: Transactions troubleshooting — "information about a merchant, such as its name or category, may be incorrect"; read 2026-10-13
- Savings.com.au: Zip axes Pocketbook — Pocketbook's closure and how it read bank data; read 2026-10-13
- Savings.com.au: Westpac axes MoneyBrilliant — MoneyBrilliant's closure and its account connections; read 2026-10-13
Questions
Do budgeting apps in Australia need my bank login?
Some do. Tobsy does not: no bank login, no account sync, no Open Banking. You type entries in, or import a screenshot or a statement you choose.
I used Pocketbook or MoneyBrilliant. Is this the same kind of thing?
Not quite. Pocketbook closed in August 2022 and MoneyBrilliant in December 2022, and both drew transactions in from your bank. Tobsy has no feed, and your entries live in a Google Sheet in your own Drive.
Can I budget the way I already do?
Yes. Budgeting in Tobsy is called Intentions: an intention per category in dollars or as a percent of income, with what is left shown against your income. Zero-based, envelope-style rollover, 50/30/20 or pay-yourself-first all fit.
How much does Tobsy cost in Australia?
A$59, once, after a thirty-day free trial, with no subscription and no renewal. Some Australian cards add a small international-transaction fee; that is the bank's charge.
Can my partner use it too?
Yes. One copy holds up to six people, and any two can share a household. Shared costs are split the way you choose, and Tobsy keeps track of who fronted what so you can settle up.
Thirty days free
Try it, or look around first.
The demo is the real app with fourteen months of sample entries. The trial is every screen, for thirty days, with your own.
About ten minutes to set up, once, on a computer. You’ll need a Google account. A$59 after the trial, if you want to keep it.