Money
Transactions & imports
Import statements, sync your bank with Open Banking, and auto-categorise with rules.
Importing statements
Bring in historical transactions by importing files from your bank:
- CSV — column mapping for any bank's export
- OFX / QFX — the standard download format most banks offer
- PDF statements — parsed with AI assistance to extract the transactions
Imports are batched, and duplicate detection means re-importing an overlapping statement won't double-count.
Open Banking sync
On the Pro plan you can connect UK banks via Open Banking (TrueLayer) from Settings → Banking. Once connected, transactions and balances sync while you're using the app, so your history stays current without manual exports.
Because your data is end-to-end encrypted under a key only you hold, syncing happens on your device — the server never sees your transactions, so there's no server-side sync running while you're away. You're in control of the cadence:
- Sync now — run a sync on demand from Settings → Banking
- Background sync (optional) — sync automatically while the app is open and your vault is unlocked, at an interval you choose: every 15 minutes, 30 minutes (the default), 1 hour, or 3 hours
Open Banking covers UK banks only for now. Everything else in Zukunft works without it: manual entry and file imports are always available.
Reviewing and resolving transactions
The transactions list is a working view, not just a ledger. Filter by needs-review state, account, date range, resolution or category — or search — and resolve each transaction to what it really is: spend against a budget group, income from a source, a transfer between your accounts, or interest. Transfers and interest matter: they're real money movements but not spending, so resolving them correctly keeps budgets and tracking honest.
Anything a rule couldn't place is flagged "Needs review" until you resolve it. You can also add transactions by hand, exclude one-offs from budgets and tracking entirely, and create a rule straight from a transaction so the next one files itself.
| Date | Description | Merchant | Account | Amount | Resolution |
|---|---|---|---|---|---|
| 04 Jun 2026 | TESCO STORES 2748 | Tesco | Primary | -£54.20 | |
| 03 Jun 2026 | TFL TRAVEL CH | TfL | Primary | -£8.60 | |
| 02 Jun 2026 | CORNER BAKERYNeeds review | — | Credit card | -£4.50 | |
| 01 Jun 2026 | ACME LTD SALARY | Acme Ltd | Primary | £3,120.00 | |
| 01 Jun 2026 | TO EASY-ACCESS SAVER | — | Primary | -£400.00 |
The bakery card payment needs review — resolve it to a budget group and the badge clears, exactly as in the app. The PayPal top-up is excluded, so it stays out of budgets and tracking; switch the filter to see it.
Rules and auto-categorisation
Rules (a Pro feature, under Automation → Rules) match transactions and resolve them automatically. A rule can match on text (description or merchant — contains, exact, or a pattern), on amount (money in or out, above, below, equal or between), or both combined with "and"/"or". Its action sets the resolution — a budget group, an income source, a transfer or interest — and can also tidy the merchant name or exclude matches from tracking.
Rules run in priority order (drag to reorder) on every import and sync, and you can re-run them across existing transactions at any time. Transactions can always be re-categorised by hand.
| Order | When | Resolves to |
|---|---|---|
| 1 | Description contains "TESCO" | Food |
| 2 | Merchant is "TfL" or money out less than £15.00 | Travel |
| 3 | Description contains "NETFLIX" and money out of £12.99 | EntertainmentMerchant → Netflix |
| 4 | Description contains "PAYPAL TOPUP" | Excluded |
Rules run top to bottom — drag to reprioritise. Conditions can match text, amounts, or both (“and” / “or”), and a rule can also tidy the merchant name or exclude matches from tracking entirely.
From transactions to actuals
Categorised transactions feed your budget actuals automatically, so planned-vs-actual variance reflects genuine spending. The Tracking page (under Automation) fills actual income and outgoings from resolved transactions — transfers excluded — and shows actual against projected for each month, so you can reconcile the month and trust the numbers your projections start from.