Four minutes, and you can stop at any step.
Four questions, a preview of your budget before any sign-up and with no banking credentials, then three fields. The free mode gives exactly the same budget as the paid one.
Yoseri is not open yet outside Canada.
This page describes the product as it works in Canada. The pension plans, the tax shelters and the connected banks here are Canadian: they do not transpose. Where you are, it would rather be the local public plan, with the local tax shelters as tax shelters and your tax administration opposite.
We do not claim to know those rules today — connecting them is work, not a translation. Tell us where you are: the order in which markets open is decided there.
Four steps, eleven settings, nothing irreversible.
The walkthrough takes about 4 minutes. Until you create an account, your answers do not leave your device.
- Your goal
One answer is enough for now: know where your money goes, save for a project, get out of debt, track your investments or prepare what comes next.
Getting to know you · 1 of 4 - Your situation
Four questions: your net monthly income, your housing, the nature of your income, what you already have. Nothing is verified, nothing is transmitted, and you can correct it all afterwards.
30 seconds - The preview
Yoseri shows you your statement, your budget and your first finding, built on your four answers. Before any sign-up, and with no banking credentials.
Before signing up - Your account
First name, email address, password. No postal address, no date of birth, no social insurance number: none of that is needed to read accounts.
1 minute
LENGTH OF THE WALKTHROUGH
4 minutesroughly, from the first question to the statementBANKING CREDENTIALS
Optionalthe free mode asks for noneYOU CAN STOP
Alwaysat any of the four stepsSETUP
11 of 11the settings once the walkthrough is doneYour answer changes the order of the screens, not what you have access to.
Five possible answers, one to pick. Choosing “get out of debt” puts the repayment plan and the order of attack first; choosing “save for a project” puts the dated goals up front.
- One answer is enough — the others stay accessible
- Changeable afterwards, without losing a single setting
- No banking data requested at this step
What brings you here?
Getting to know you · 1 / 4The statement, the envelopes and the calendar up front
Dated goals and the automatic savings rule first
Repayment plan, cost of credit and order of attack
Three classes gathered, real fees and consolidated exposure
Retirement, tax, estate
You can change your mind at any time. No feature is locked by this answer.
What is left to do, after the preview.
The app shows the list and the time for each item. The third is marked optional — because it is.
CREATE YOUR ACCOUNT
1 minutethree fields, and an email verificationCHOOSE YOUR MODE
30 secondsmanual entry or automatic connectionSET YOUR ENVELOPES
2 minutesoptional · seven caps suggested in advanceWITHOUT AN ACCOUNT
Possible“Explore Yoseri” stays on offer on the sign-in screenThe app, in 30 seconds
Recorded in the public demo — Home, Budget, Invest, Plan, exactly as you would tap through them. No editing, no mock-up.
Three fields. No address, no date of birth, no social insurance number.
None of that is needed to read accounts, so Yoseri does not ask for it. Everything else is never asked for.
Every field says what it is for, right beside it.
It is written on the sign-up screen, under the fields: first name for display, email for signing in, receipts and export. There is no hidden third use, and no pre-ticked box.
- The terms and the privacy policy fit on one page
- Two-step verification offered from creation, never imposed
- The detail of access and encryption, on the Security page
Three fields, nothing more
Very strong · 15 charactersDisplay in the app
Asked forSign-in, receipts, export
Asked forRated as you type · not compromised
Asked forAddress, date of birth, social insurance number
NeverThe terms and the privacy policy fit on one page and say what Yoseri does with your data.
Coming back to the app
“Your statement has updated four times since your last visit”It is the first line of the sign-in screen.
Without creating an account
“Explore Yoseri” stays on offerThe link is under the sign-in button, not buried in a menu.
What is never asked for
Address, date of birth, SINNone of that is needed to read accounts.
Manual is free, and it is exactly the same budget.
Two ways to keep your statement. In manual mode, Yoseri asks for no banking credentials — it is the most private mode there is, and it stays free forever.
What each mode contains
Switching possible in both directions| Feature | Manual entry · free | Automatic connection · $8.99 / month |
|---|---|---|
| Envelopes and budget | Included | Included |
| Calendar and recurrences | Included | Included |
| Debts and goals | Included | Included |
| CSV statement import | Included | Included |
| Transactions per month | Unlimited | Unlimited |
| Bank syncing | No | 38 institutions, 4 times a day |
| The three investment classes | No | Included |
| Automatic savings rule | No | Included |
| AI findings | No | Included |
The paid mode contains everything manual has, plus syncing. There is no budget feature reserved for the paid plan. The detail of the plans is on the Pricing page.
Three minutes a week, once the templates are made.
Three taps per transaction: the amount, the envelope, save. Templates store what comes up often — groceries $60, coffee $7, petrol $55, lunch $18 — and drop in with one tap.
- Seven envelopes suggested in advance: you have nothing to invent
- CSV import free, as often as you like
- Switch to syncing whenever you want, losing nothing
New transaction
Expense−24.00 $
Restaurants · today · Chequing account
Frequent template
60 $Frequent template
7 $Frequent template
55 $Frequent template
18 $Seven envelopes to pick from — groceries, restaurants, transport, housing, subscriptions, health, other — and three taps per transaction.
Which to pick, honestly.
The only real difference between the two is the typing. Everything else in the budget is identical.
Stay on manual if…
You do not want to hand over any banking credentialsNo credentials, no token, no connection to revoke later.
Move to automatic if…
Typing is what makes you give up$8.99 a month, 38 institutions syncing four times a day, everything sorts itself and you type nothing.
MANUAL COSTS
3 minutesa week, once your templates are madeCREDENTIALS IN MANUAL
Zeroit is the most private mode there isTRANSACTIONS PER MONTH
Unlimitedin both modes, with no exceptionCHANGING MODE
No lossin either directionThe authorisation screen is the most important one in the walkthrough.
The app says so itself, at the top of the screen: “take the time to read this, nothing that follows will be a surprise”.
Start with the account your pay lands in. Or with none.
Five institutions are offered up front — Desjardins, National Bank, RBC, TD Canada Trust, BMO — and the other 33 are one click away: banks, credit unions, cards and brokers, 38 in all.
Where the connection works, and when. On October 1, when the private beta opens, banking authorisation covers Canada and the United States. France and the United Kingdom are targeted for the December 1 launch — targeted, not promised: a connection depends on an aggregator and on institutions that are not ours. Everywhere, manual entry gives the same budget from day one.
- 38 institutions available, five of them listed with their status
- A status per connection: steady, slow, connected
- Yours missing? Eleven were added this year on request
The most used
38 institutions
DesjardinsCaisses populaires · steady connection
Steady
National BankPersonal and business
Steady
RBCRoyal Bank of Canada
Steady
TD Canada TrustPersonal
Steady
BMOBank of Montreal
SlowBanks, credit unions, cards and brokers
Your credentials are typed at your institution, in its own window. Yoseri never sees them and cannot store them.
What you authorise, exactly.
The two columns below are the app’s authorisation screen, copied out. Nothing is summarised, nothing is softened.
- Read your balances and transactionsIncluding up to 24 months of history, so the comparisons work from day one.
- Read the name and type of your accountsTo tell them apart and apply the right tax rules.
- Refresh that data four times a dayFor as long as you have not revoked access.
- Move moneyNo transfer, no payment, no purchase. The authorisation requested does not technically allow it.
- See or store your credentialsYou type them at your institution, in its window. Yoseri receives an access token, never your password.
- Change anything at your bankNo write is possible in either direction.
- Sell or share your dataNot to an advertiser, not to a data broker, not to an institution.
LENGTH OF THE AUTHORISATION
Until revokedit does not expire on its own, and does not quietly renewREVOCATION
Immediatein two taps, from the appERASURE AFTER REVOCATION
Within 30 daysand the export of your data stays available at all timesENCRYPTION
AES-256at rest, and TLS 1.3 in transitWhat that screen cannot know, Yoseri says rather than guesses — the limits are written in black and white. A missing figure beats an invented one.
Revoking
Three connections cut immediatelyTwo taps, one confirmation to type.
What you keep
Your history already importedThe imported transactions stay, your envelopes and goals stay, the positions you typed by hand stay.
What is never asked for
Your bank passwordYoseri receives an access token issued by your institution, never your credentials.
aide | Four minutes, zero credentials, and you can stop at any step.
Free with manual entry, no banking credentials and no card. You see your first statement in four minutes.
A person answers, not a bot. Current average: 4 business hours.
French and English, from someone who knows the product, at support@yoseri.com. The team sees your messages and the state of your connections, never the detail of your transactions or your balances.
The reply starts with what we looked at.
A real exchange from the demo: “You wrote about the National Bank card that has stopped syncing. I looked at your log.”
- Service status visible in the app · “checked 4 minutes ago”
- Four short guides: connect a bank, correct a category, set your savings rule, add a position
- Answer within one business day, 4 h on average
Details attached automatically
4 h on averageTo reproduce the problem
3.2.1Model and system version
iPhone 15 · iOS 18Technical codes only
AnonymisedAmounts, merchants, balances
Never transmittedService status, at the top of the help screen: all connections working · checked 4 minutes ago.
The four questions people ask before starting.
Short answers, with the app’s own figures.
How long does it really take?
About 4 minutes end to end. After that, in manual mode, count about three minutes a week once your templates are made.
Do I need a credit card to try it?
No. Manual entry is free, with no transaction limit, and it includes the envelopes, the calendar, the recurrences, the debts, the goals and the CSV import.
And if I change my mind after connecting my bank?
Revoking is immediate, in two taps. Three connections are cut on the spot, erasure happens within 30 days, and the export of your data stays available.
Can I start without a bank?
Yes, and even without an account: “Explore Yoseri” is offered on the sign-in screen. In manual mode, Yoseri starts from seven envelopes estimated on your declared income — marked as estimates until you have three months of entries.
Further reading on this.
Yoseri’s publication unpacks these mechanisms with the maths shown, using worked figures you can redo by hand.
An envelope budget without rollover is not a budget
If going over your envelope has no consequence the following month, the cap is only decoration. Rollover is what turns an intention into a constraint.
· 4 min The GlossaryNet worth
What you own minus what you owe. The one figure that sums up a financial position in a single number — provided you count both sides.
· 1 minKeep looking around
Free with manual entry, $8.99 a month for syncing 38 institutions. Nothing else is paid for.
See the pricing SecurityAES-256 at rest, TLS 1.3 in transit, immediate revocation, and what we do not know is written down.
See security BudgetWhat the preview becomes once your real transactions are read: seven envelopes, a calendar, what is left of the month worked out.
See the budgetYou can see your budget before handing over anything.
Four questions, thirty seconds, and the preview appears — before any sign-up, with no banking credentials. If you leave at that point, nothing is left of it.
Free with manual entry, for life. Read-only, always: Yoseri cannot move a single dollar.