What we shipped, and why.

Connect a NZ bank account on Plus or Wise and transactions arrive on their own — no statement to download. It runs through Akahu, New Zealand’s accredited open banking intermediary, so your internet-banking password is never shared with Owdyn, and you can disconnect at any time. CSV import stays free for everyone, on every plan, always.

One server-authoritative parser with a what-you-see-is-what-you-get preview, remembered per-account column mappings, smarter duplicate detection, and credit-card payments recognised as transfers — in any import order.

Account caps are gone, including on Free. Add every account you have — the paid tiers differentiate on sync and intelligence, not on how much of your own money you may look at.

New accounts now get a short guided tour right after onboarding, plus a dashboard checklist that tracks your setup — first account, first import, first budget — and gets out of the way when you’re done.

The Debt Cockpit’s debt-over-time chart was rebuilt to app-chart quality, with a hover crosshair and tooltip so you can read the exact balance at any point on the payoff curve.

Identity-first Google sign-in with an explicit consent step, cross-account access guards, and automatic alerting on repeated authentication failures. 2FA remains available on every plan.

Connected-bank management arrived in Accounts — a summary of linked banks with a manage drawer and a “Sync now” that forces a fresh pull. The groundwork for automatic sync, which went live once our open-banking accreditation with Akahu completed.

Owdyn launched into open beta with the full core: Safe to Spend with a tap-through breakdown, budgets, savings goals, bills and subscriptions, BNPL tracking for Afterpay, Laybuy and Zip, the Debt Cockpit with payoff strategies, CSV import for every NZ bank, NZ merchant recognition, AI category suggestions, forecasting, weekly email recaps, and light and dark themes.