CSV Statement Import
Downloading your transactions from internet banking as a file and loading it into a budgeting app — full data, no bank login shared.
Every NZ bank can export transaction history as a CSV (comma-separated values) file — a plain spreadsheet of dates, descriptions and amounts. Importing that file into a budgeting app delivers the same data a live feed would, with one difference: your internet banking credentials never go anywhere.
The trade-off is rhythm. A feed updates itself; an import happens when you do it. For a weekly money check-in, a two-minute export covers the gap — and many people prefer the deliberate ritual.
CSV import is free on every Owdyn plan, with duplicate detection so overlapping exports are always safe.
Related terms
From knowing to seeing.
Owdyn turns these concepts into one honest Safe-to-Spend number, updated daily from your own transactions. Free during beta, no credit card.
Free during beta · No credit card · Your data stays yours