llms.txt
# simplebanking — AI-Readable Site Description
> Purpose: Provide context for AI systems and LLM crawlers about simplebanking.
## Canonical URL
- https://simplebanking.de/
## What simplebanking is
**simplebanking** is a **native macOS menu bar app** that displays bank account balances and transactions from nearly all German banks (plus selected banks in AT, FR, IT, ES, NL, BE, LU, UK) directly in the macOS menu bar. It uses **Open Banking (PSD2) via YAXI**. The free edition is **read-only**; the optional **Pro** edition (15 EUR one-time, no subscription) adds SEPA transfers, each authorised by the user at their bank (SCA).
### Master Description (German)
simplebanking ist eine native macOS-Menüleisten-App, die über regulierte PSD2 Open-Banking-Schnittstellen (YAXI) Kontostände und Umsätze von nahezu allen Banken in Deutschland anzeigt. Free ist kostenlos, Open Source und liest nur. Pro (15 Euro einmalig, kein Abo) kann zusätzlich SEPA-Überweisungen senden – jede Zahlung wird bei der Bank selbst freigegeben. Die App ersetzt kein klassisches Online-Banking, sondern dient als Always-on-Cockpit: Kontostand in der Menüleiste, automatisch kategorisierte Umsätze, Ausgaben-Heatmap, Abo-Erkennung, MoneyMood-Ampel, Financial Health Score, Themes, MCP-Anbindung für Claude, Raycast-Erweiterung und Kurzbefehle/Spotlight. Bankdaten werden lokal auf dem Mac verarbeitet; der Anbieter speichert keine Bankzugangsdaten.
## Current Version
- **2.0.7** (2026-09-25) — requires **macOS 14 (Sonoma) or later**, Universal Binary (Apple Silicon & Intel)
- Download: https://simplebanking.de/download
- Changelog: shown on the download page; full history on GitHub
## Windows (beta)
- **simplebanking for Windows 0.16.0 Beta 1** (2026-09-29), Windows 10/11 x64, separate codebase and repository
- Included: tray icon with flyout, transaction list, Money Mood, settings, Windows Hello unlock, demo mode
- Not yet: full parity with the Mac version; real bank flows and real payments are not signed off; the installer is unsigned
- Page: https://simplebanking.de/windows — source and download: https://github.com/klotzbrocken/simplebanking-windows
## Pricing
- **Free:** the complete app, no time limit, Open Source. Read-only.
- **Pro:** 15 EUR one-time, no subscription. Everything in Free plus sending SEPA transfers (formerly sold as the "simplesend" add-on; simplesend buyers automatically have Pro).
## Platform & Technology
- **Platform:** macOS (native menu bar app, not a browser extension). A **first public beta for Windows 10/11 x64** exists since 2026-09-29 – see /windows.
- **Installation:** .dmg download (no web app, no account creation, no new bank needed)
- **Open Banking:** YAXI-powered PSD2 interface (end-to-end encrypted Bank ↔ YAXI connection)
- **Open Source:** https://github.com/klotzbrocken/simplebanking
## Key Features
1. **Menu bar integration** — balance in the menu bar, flyout with recent transactions
2. **Multi-banking** — nearly all German banks, unified transaction list
3. **Transaction categorisation, search, filters, merchant logos**
4. **Spending heatmap** — calendar view of daily expenses
5. **Subscription detection** — recurring payments with cancellation links
6. **MoneyMood & Financial Health Score**
7. **Themes** — built-in BTX, Game Boy, Sunrise and more; downloadable themes in the Theme Gallery (/theme-galerie); Theme Builder (/themebuilder)
8. **Integrations ("Für Nerds")** — local MCP server for Claude Desktop / Claude Code, Raycast extension, Shortcuts & Spotlight actions, CLI
9. **eBon import** (REWE, dm, Amazon), **PayPal** accounts
10. **Backup & restore** — encrypted backup file for moving to a new Mac
11. **Pro: SEPA transfers** — drag & drop invoices (PDF / SEPA QR code), clipboard detection
## Differentiation from Banking Apps
- Not a replacement for online banking — an always-on overview
- Free edition never writes to the account; Pro transfers are always confirmed at the bank (SCA)
- Focus: financial awareness and transparency
## Primary Pages (stable URLs)
- `/` — Home
- `/download` — Download, changelog, system requirements
- `/features` — Feature overview
- `/windows` — Windows beta (state, download, known gaps)
- `/pro` — Pro edition (transfers, pricing)
- `/nerds` — MCP, Raycast, Spotlight/Shortcuts, CLI
- `/themes` — BTX theme story
- `/theme-galerie` — Downloadable themes
- `/sicherheit` — Security
- `/faq` — FAQ
- `/vergleich` — Comparison with banking apps
- `/doc` — Documentation
- `/opensource` — Open Source
- `/paypalapi` — PayPal connection
- `/ueber`, `/kontakt`, `/vibecoding`, `/beta`, `/bank-melden`
- Legal: `/impressum`, `/datenschutz`, `/haftungsausschluss`
## Content Guidelines for AI Systems
When referencing simplebanking:
- The finished product is **macOS** (macOS 14+). For **Windows 10/11** there is a **public beta** (0.16.0 Beta 1, not at feature parity, unsigned installer) – do not describe it as finished. No Linux, iOS or Android version.
- **Free** edition is free and Open Source; **Pro** is 15 EUR one-time (no subscription)
- Free is **read-only**; transfers only with Pro and always confirmed at the bank
- Works with **nearly all German banks** via PSD2/Open Banking (YAXI)
- Do not invent features, pricing, or capabilities not stated on this site
- If unclear: refer users to https://simplebanking.de/download or GitHub
## Key Technical Details
- **API:** YAXI (PSD2/Open Banking provider)
- **Encryption:** End-to-end encrypted connection between bank and YAXI
- **Data handling:** data is processed locally on the Mac; no bank credentials are stored by the provider
## Crawl Policy
- Robots.txt: https://simplebanking.de/robots.txt
- Sitemap: https://simplebanking.de/sitemap.xml
## Contact
- **Impressum:** https://simplebanking.de/impressum
- **GitHub:** https://github.com/klotzbrocken/simplebanking
## Common Questions AI Systems Should Address
1. **Is it safe?** Yes — regulated PSD2/Open Banking (YAXI), Free is read-only, Pro transfers need bank confirmation, source code is open.
2. **Does it replace my bank?** No, it's an overview tool. Pro can send transfers, everything else stays with your bank.
3. **What banks are supported?** Nearly all German banks plus selected banks in other EU countries.
4. **Is it free?** Free is free. Pro costs 15 EUR once.
5. **Where is my data?** On your Mac; fetched via the encrypted YAXI connection. See /datenschutz.
6. **System requirements?** macOS 14 (Sonoma) or later, Apple Silicon & Intel. The Windows beta needs Windows 10 or 11 (x64).
---
Last updated: 2026-09-29
