Frequently asked questions

mooola is a private personal finance app from South Africa with selected bank-statement imports for South Africa, the United Kingdom, Australia, Germany, and other Wise markets. It turns supported and early-access bank statements into a clear view of your spending, categories, subscriptions, recurring payments, accounts, and monthly activity without connecting to your bank.

mooola is primarily a personal finance organisation and insight tool. It helps you understand where your money went and recognise patterns in your spending; it is not a replacement for professional financial planning or advice.

No. The app presents general information based on the data you import. It does not provide financial, investment, tax, accounting, credit, or legal advice. Review important information against your original statement or bank records.

mooola is available for Android through Google Play. The iPhone and iPad beta is available through Apple TestFlight. See Install and support for details.

No. You choose a statement file to import. mooola does not connect to your bank and never asks for your online banking username, password, PIN, or other banking credentials.

On your device. The app reads, checks, and processes supported statements locally. mooola does not collect or receive your statements, transactions, or the financial information produced from them. Temporary file-picker copies are removed after import.

Imported statements, transactions, categories, notes, and insights are stored in the app’s local database on your device. mooola does not operate a cloud-sync service or hold a server copy of your banking data.

No. The app has no mooola user account, login, or cloud sync and does not ask for your name, email address, phone number, advertising identifier, or persistent device identifier. Ordinary app use does not tell us who you are. Your imported financial information stays associated only with the app installation on your device.

mooola does not collect or receive your banking data, so it cannot sell, share, advertise against, or profile that data. The app contains no advertising pixels or advertising-tracking integration. The website loads the Google tag with advertising storage and personalisation denied for limited cookieless measurement. If you select Enable for optional website cookies, the website also loads the Meta and X pixels and grants Google consent for advertising measurement as described in the Privacy Policy.

Your identity, statements, and transaction records are not sent to mooola through ordinary app use. Limited exceptions are separately disclosed: public merchant-logo requests, platform-controlled device backups, non-identifying basic development activity and sanitised import diagnostics that are off by default, and feedback you deliberately send. None of these is shared with Meta, X, or Google Ads or used for advertising.

Uninstalling removes the active local mooola database. Your operating system or backup provider may separately retain app data in a device backup if backups are enabled. Because mooola does not hold a server copy, it cannot restore banking data that has been deleted or lost.

Never upload a real statement or share account numbers, card details, balances, references, or transaction histories. Redact names and identifiers from screenshots and use synthetic examples where possible. For an import failure, tap Send failure logs in mooola and review the disclosure before confirming.

The Countries page lists current South African PDF and CSV coverage, selected supported and early-access CSV formats for the United Kingdom, Australia, Germany, and other Wise markets, plus planned statement-format validation for additional African markets and the Philippines.

mooola currently supports selected statement formats from African Bank, Absa, Capitec Bank, Discovery Bank, FNB, Investec, Nedbank, Standard Bank, and the Absa-managed Woolworths credit card. Support refers to specific file layouts, so not every document produced by a supported bank will necessarily import.

Use a supported original Capitec account-statement PDF or the original transaction CSV. PDF support covers selected Main and Access Anytime account statements with selectable text. Screenshots, scans, copied tables, and converted files are not supported. Follow the Capitec statement import guide.

Support currently targets original Absa e-stamped transaction history PDFs with selectable text. Follow the Absa statement import guide.

Early support targets selected original digital African Bank transaction statement PDFs with selectable text. Follow the African Bank statement import guide.

Use an original digital Discovery Bank statement PDF with selectable text. Support covers certified digital statements and selected transaction-account statement layouts. Follow the Discovery Bank import guide.

Use an original digital FNB transaction statement PDF with selectable text. Support targets digital RAND transaction statements and selected Online Banking Enterprise PDF layouts. Follow the FNB statement import guide.

GoTyme Bank can issue a password-protected digital bank-statement PDF, but the local layout still needs to be validated independently. A parser for a related Tyme-branded statement does not by itself confirm GoTyme Bank support.

Early support targets selected original digital Investec bank account statement PDFs with selectable text. Follow the Investec statement import guide.

Support currently targets original digital Nedbank current-account statement or tax-invoice PDFs with selectable text. Follow the Nedbank statement import guide.

Use an original digital Standard Bank statement PDF with selectable text. Support currently includes selected three-month statement and legacy transaction statement layouts. Follow the Standard Bank import guide.

Support currently targets original digital statement PDFs with selectable text for the Woolworths credit card managed by Absa. Other Woolworths products and cards not managed by Absa are not supported. Follow the Woolworths credit card import guide.

Early access targets selected original Wise single-currency or jar statement CSV exports. Transfer-list and accounting exports can have different columns and are not automatically supported. Follow the Wise CSV import guide.

Early access targets selected original English-language Monzo account-statement CSV exports. Personal, joint, Pot, and business variations may differ. Follow the Monzo CSV import guide.

Early access targets selected original Starling standard or certified statement CSV exports. Account and product variations are still being validated. Follow the Starling CSV import guide.

Early access targets selected English-language account-activity CSV exports downloaded from the N26 WebApp. Localised exports may use different headers or number formats. Follow the N26 CSV import guide.

Early access targets selected original Commonwealth Bank NetBank CSV exports containing transaction date, signed amount, details, and balance. Follow the Commonwealth Bank CSV import guide.

Support is limited to the documented Westpac Corporate Online previous-day closing-balances-and-transactions CSV. Personal Online Banking CSVs and other Westpac exports are not included. Follow the Westpac Corporate Online CSV import guide.

No. A PDF statement needs an embedded, selectable text layer so the app can parse it reliably on your device. For Capitec, use a supported original PDF or the original exported CSV rather than a scan, screenshot, or converted document.

Banks can provide several document types and may change their layouts over time. A file may fail if it is a scan, a different statement product, an unusual or changed layout, or not one of the formats currently supported. mooola fails clearly when it cannot validate a file rather than importing uncertain data.

No. Bank names and logos identify compatible statement formats only. mooola is not affiliated with, sponsored by, or endorsed by any supported bank.

1. Download a supported statement file from your bank.
2. In mooola, choose the matching bank and select the file.
3. Wait while the app reads and validates the statement on your device.
4. Review the import summary, then start exploring your updated data.

See the illustrated How it works guide for more detail.

mooola reconciles matching transactions rather than blindly adding every row again. The import summary reports transactions as new, updated, unchanged, or ignored so you can see what happened.

The import process checks matching transactions and removes duplicates. Re-importing overlapping data should leave matching records unchanged or update them when appropriate, with the outcome shown in the import summary.

Yes. You can import statements from different supported banks and see their activity together in one private view.

Yes. mooola can manage several imported accounts from the same supported bank. You can rename accounts to make them easier to recognise and manage each account’s data independently.

Download a newer supported statement from your bank and import it. Statements may overlap; mooola reconciles the matching transactions and adds or updates the relevant data.

Yes. Each imported account can be managed independently, including removing that account’s imported data from the app.

Confirm that the file is an original supported format and that a PDF has selectable text. If it still fails, tap Send failure logs, review what the sanitised report contains, and confirm the send. Never attach or share the statement itself.

Only if you explicitly enable Help improve imports. Automatic reports contain sanitised structural diagnostics rather than raw statement text or transaction details. If the setting is off, you can choose whether to send a single sanitised report after a failure.

mooola organises imported activity into accounts, spending categories, subscriptions, recurring payments, and monthly insights so you can see where your money goes more clearly.

You can customise the icon, category, and behaviour for matching payments. Those choices can be kept consistent across your transaction history and future imports.

No. Statement-import reminders and upcoming recurring-payment reminders are optional and can be controlled independently in Settings.

You can choose a reminder before an expected subscription or recurring payment is due and a separate reminder when it may be time to import fresh statement data. Importing new data restarts the statement reminder period.

Yes. Choose System, Light, or Dark in Settings → Appearance.

Open the mooola TestFlight invitation, install Apple’s TestFlight app if prompted, accept the invitation, and install mooola.

Open the mooola Google Play listing on your Android device and install the app. No access request is required.

Join the mooola Discord community for help, known issues, release notes, and feature requests. Remember not to post real statements or personal financial information.

Email contact@mooola.co.za for general, privacy, or support questions.