# mooola

> mooola is an expense-tracking app for understanding income, expenses, categories, recurring payments, and multiple accounts without linking a bank account. It imports selected South African PDF and CSV statements locally on the user's device. Selected formats for the United Kingdom, Australia, and Germany are also available, with some in early access. Other country pages describe planned support.

## Core pages

- [Blog](https://mooola.co.za/blog): All money guides, financial privacy articles, app comparisons, bank statement guides and product announcements.
- [Automatic folder imports](https://mooola.co.za/blog/automatic-folder-imports): How mooola checks a selected statement folder when the app opens or resumes, with Android setup, iPhone and iPad guidance, repeat-file handling and privacy details.
- [Introducing mooola accounts](https://mooola.co.za/blog/mooola-accounts-and-your-data): Preview of optional accounts, remote uploads and Share, including data scope, participant visibility and why disabling a feature does not delete server records. Coming soon.
- [Google Wallet capture](https://mooola.co.za/google-wallet): Available on Android. Tap to pay with Google Wallet, then track supported new purchases in mooola. Payment notifications are captured locally with opt-in notification access; historical Wallet payments are not retrieved.
- [Track Google Wallet spending](https://mooola.co.za/blog/track-google-wallet-spending): Android setup, notification permissions, missing purchases and statement matching.
- [Apple Wallet capture](https://mooola.co.za/apple-wallet): Coming soon to iPhone. Preview optional Apple Pay purchase capture through a Shortcuts automation, saved on the device and imported when mooola opens. Not yet available in the App Store release.
- [Track Apple Pay spending](https://mooola.co.za/blog/apple-wallet-capture): Check transaction history today and preview the upcoming iPhone Shortcuts capture, currency choices and statement matching. Capture is coming soon.
- [Share or split payments](https://mooola.co.za/share): Coming soon. Preview shared expenses, groups and balances with friends and family, supported by Google sign-in.
- [Home](https://mooola.co.za/): Product overview and app download links.
- [Countries](https://mooola.co.za/countries): Current and planned country-specific bank-statement coverage.
- [United Kingdom](https://mooola.co.za/countries/united-kingdom): Early-access Monzo, Starling, and Wise CSV imports.
- [Australia](https://mooola.co.za/countries/australia): Supported Westpac Corporate Online CSV imports plus early-access Commonwealth Bank and Wise CSV imports.
- [Germany](https://mooola.co.za/countries/germany): Early-access N26 and Wise CSV imports.
- Localised country pages: Portuguese for Mozambique, Swahili for Kenya and Tanzania, Filipino for the Philippines, and French for Mauritius and Seychelles. Each is linked from its English country page.
- [Private expense tracker for South Africa](https://mooola.co.za/expense-tracker-south-africa): mooola's app for expense tracking without bank linking, with spending categories, recurring payments, monthly activity, multiple imported accounts, supported formats, and product limits.
- [Privacy-first expense tracking in South Africa](https://mooola.co.za/privacy-first-expense-tracking-south-africa): Guide to manual entry, statement imports, bank feeds, local storage, cloud sync, backups, and privacy evaluation.
- [Best personal finance and budgeting apps in South Africa](https://mooola.co.za/best-private-finance-apps-south-africa): Disclosed, source-based comparison of mooola, Vault22, FinWise, YNAB, Actual Budget, and Trace, with separate picks for statement analysis, automatic tracking, cloud budgeting, zero-based budgeting, self-hosting, and manual budgeting.
- [App comparisons](https://mooola.co.za/compare): Source-based finance-app comparisons and alternatives, with availability and supported formats.
- [Nedbank Money app alternative](https://mooola.co.za/blog/nedbank-money-app-alternative): Expense tracking from supported Nedbank statements; mooola does not replace banking services.
- [Splitwise alternative in South Africa](https://mooola.co.za/blog/splitwise-alternative-south-africa): Preview mooola Share for splitting imported expenses. Coming soon, not enabled in the current app release.
- [mooola vs Monarch](https://mooola.co.za/blog/mooola-vs-monarch): Local statement imports compared with connected budgeting and planning.
- [mooola vs Simplifi](https://mooola.co.za/blog/mooola-vs-simplifi): South African statement support compared with Simplifi's US/Canada focus.
- [Mint alternative in South Africa](https://mooola.co.za/blog/mint-alternative-south-africa): Replacing Mint's spending-record workflow and the limits of saved export imports.
- [mooola vs FinWise](https://mooola.co.za/compare/mooola-vs-finwise): Compare local South African statement insights with connected cloud budgeting, net-worth tracking, and multi-device sync.
- [mooola vs Vault22](https://mooola.co.za/compare/mooola-vs-vault22): Compare private statement imports with automatic account aggregation, budgets, goals, and broader wealth tools.
- [mooola vs YNAB](https://mooola.co.za/compare/mooola-vs-ynab): Compare retrospective South African statement analysis with YNAB's structured forward-looking budgeting method.
- [Budgeting without linking a bank account](https://mooola.co.za/budgeting-without-bank-linking): Explanation of the privacy-first statement-import approach and its trade-offs.
- [How to read a South African bank statement](https://mooola.co.za/how-to-read-south-african-bank-statement): Practical guide to transaction dates, descriptions, debits, credits, balances, fees, reversals, and bank document types.
- [How to save money by tracking expenses](https://mooola.co.za/how-to-save-money-by-tracking-expenses-south-africa): Build an accurate spending baseline, find realistic repeatable changes, and measure the result.
- [Find subscriptions and recurring payments](https://mooola.co.za/find-subscriptions-from-bank-statements-south-africa): Review recurring statement patterns and distinguish subscriptions, debit orders, scheduled transfers, instalments, and repeat purchases.
- [Track expenses across multiple bank accounts](https://mooola.co.za/track-expenses-across-multiple-bank-accounts-south-africa): Align statement periods, handle internal transfers, and avoid duplicates across accounts.
- [How it works](https://mooola.co.za/how-it-works): Four-step illustrated statement-import overview.
- [mooola MCP — coming soon](https://mooola.co.za/mcp): Preview conversations about synced payments, budgets, merchant preferences and shared expenses. Illustrative examples; public connection instructions are not yet available.
- [About mooola](https://mooola.co.za/about): Mission, product principles, privacy commitments, and limitations.
- [Luke Stephens](https://mooola.co.za/authors/luke-stephens): Profile of mooola's independent developer and the author or reviewer of its product and editorial content.
- [Frequently asked questions](https://mooola.co.za/faq): Detailed answers about privacy, supported files, imports, app features, installation, and support.
- [Privacy policy](https://mooola.co.za/privacy): Full privacy disclosures.
- [Terms of use](https://mooola.co.za/terms): Product terms and disclaimers.

## Browser tools

- [All bank statement conversion tools](https://mooola.co.za/tools): Start with automatic statement detection or choose a bank-specific local PDF-to-CSV converter.
- [Generic bank statement PDF to CSV converter](https://mooola.co.za/tools/bank-statement-pdf-to-csv): Drop in an original digital statement and try every currently supported parser automatically, entirely in the browser.
- [Absa bank statement PDF to CSV converter](https://mooola.co.za/tools/absa-bank-statement-to-csv): Selected Absa statement layouts.
- [African Bank statement PDF to CSV converter](https://mooola.co.za/tools/african-bank-statement-to-csv): Selected African Bank transaction statements.
- [Capitec bank statement PDF to CSV converter](https://mooola.co.za/tools/capitec-bank-statement-to-csv): Selected Capitec Main and Access Anytime account-statement PDFs.
- [Discovery Bank statement PDF to CSV converter](https://mooola.co.za/tools/discovery-bank-statement-to-csv): Selected Discovery Bank statement layouts.
- [FNB bank statement PDF to CSV converter](https://mooola.co.za/tools/fnb-bank-statement-to-csv): Convert up to 10 original digital FNB statement PDFs into individual or combined CSV files locally in the browser, without uploading the statements.
- [GoTyme Bank statement PDF to CSV converter](https://mooola.co.za/tools/gotyme-bank-statement-to-csv): Selected monthly personal statements using the supported legacy document layout.
- [Investec bank statement PDF to CSV converter](https://mooola.co.za/tools/investec-bank-statement-to-csv): Selected Investec bank-account statements.
- [Nedbank statement PDF to CSV converter](https://mooola.co.za/tools/nedbank-statement-to-csv): Selected Nedbank statement and compact transaction-history layouts.
- [Standard Bank statement PDF to CSV converter](https://mooola.co.za/tools/standard-bank-statement-to-csv): Selected Standard Bank monthly, legacy, and credit-card statements.
- [Woolworths credit-card statement PDF to CSV converter](https://mooola.co.za/tools/woolworths-credit-card-statement-to-csv): Selected Absa-managed Woolworths credit-card statements.

## Bank statement import guides

- [Absa statements and banking documents](https://mooola.co.za/guides/absa-bank-statements-and-documents): Choose between stamped and ordinary statements, home-loan and credit-card statements, bank confirmation letters, tax certificates, proofs of payment, emailed eStatements, and transaction exports.
- [Capitec Bank statement](https://mooola.co.za/guides/import-capitec-csv): Selected original account-statement PDFs and transaction CSVs.
- [Import an Absa statement](https://mooola.co.za/guides/import-absa-statement): Selected original e-stamped transaction-history PDFs for conventional transactional accounts.
- [African Bank statement](https://mooola.co.za/guides/import-african-bank-statement): Selected original digital transaction statement PDFs.
- [Discovery Bank statement](https://mooola.co.za/guides/import-discovery-bank-statement): Selected certified digital and transaction-account statement PDFs.
- [FNB statement](https://mooola.co.za/guides/import-fnb-statement): Selected digital RAND transaction and Online Banking Enterprise statement PDFs.
- [GoTyme Bank statement](https://mooola.co.za/guides/import-gotyme-bank-statement): Selected original digital monthly personal statement PDFs.
- [Investec statement](https://mooola.co.za/guides/import-investec-statement): Selected original digital bank account statement PDFs.
- [Nedbank statement](https://mooola.co.za/guides/import-nedbank-statement): Selected current-account statement and tax-invoice PDFs.
- [Standard Bank statement](https://mooola.co.za/guides/import-standard-bank-statement): Selected three-month and legacy transaction statement PDFs.
- [Woolworths credit card statement](https://mooola.co.za/guides/import-woolworths-credit-card-statement): Selected original PDFs for the Absa-managed Woolworths credit card only.
- [Wise CSV](https://mooola.co.za/guides/import-wise-csv): Selected single-currency or jar statement CSV exports in early access.
- [Monzo CSV](https://mooola.co.za/guides/import-monzo-csv): Selected account-statement CSV exports in early access.
- [Starling CSV](https://mooola.co.za/guides/import-starling-csv): Selected standard or certified statement CSV exports in early access.
- [N26 CSV](https://mooola.co.za/guides/import-n26-csv): Selected English-language account-activity CSV exports in early access.
- [Commonwealth Bank CSV](https://mooola.co.za/guides/import-commonwealth-bank-csv): Selected NetBank transaction CSV exports in early access.
- [Westpac Corporate Online CSV](https://mooola.co.za/guides/import-westpac-corporate-online-csv): Supported previous-day closing-balances-and-transactions CSV exports.

## Important facts

- Currently published South African bank support: African Bank, Absa, Capitec Bank, Discovery Bank, FNB, GoTyme Bank, Investec, Nedbank, Standard Bank, and the Absa-managed Woolworths credit card.
- Android is available on Google Play. iPhone and iPad are available on the App Store.
- International CSV support is format-specific: Westpac Corporate Online is supported, while selected Wise, Monzo, Starling, N26, and Commonwealth Bank exports remain in early access.
- A shared bank brand does not guarantee a shared format; each country, export channel, account product, and statement layout is validated separately.
- Capitec imports support selected original account-statement PDFs and transaction CSVs. Other supported imports use the exact digital PDF or CSV formats named in their guides.
- Screenshots, photographs, scans, and converted files are not supported.
- Statements and imported transaction data are processed and stored locally on the device.
- mooola does not connect to bank accounts. Financial records stay local by default; optional personal-data uploads and remote access use online storage. Sharing a payment sends selected details to its participants. Consult the account data guide for current availability and consent requirements.
- mooola does not request bank usernames, passwords, PINs, or one-time passwords.
- mooola does not sell or rent personal information or banking data and does not use it for advertising.
- mooola is a retrospective spending-insight and organisation tool, not a live bank feed, payment service, forward-looking budget planner, or source of financial advice.
- mooola is not affiliated with or endorsed by any supported bank.

## Agent access

- Public pages support `Accept: text/markdown`; HTML remains the default. Markdown is derived from the page's rendered main content, with the same availability labels and limitations.
- [Agent skills](https://mooola.co.za/.well-known/agent-skills/index.json): Statement-import and local-conversion guidance with an integrity digest.
- [API catalog](https://mooola.co.za/.well-known/api-catalog): Discovery for the existing MCP service, hosted separately on api.mooola.co.za.
- [MCP server card](https://mooola.co.za/.well-known/mcp/server-card.json): Transport and capability metadata. Tool access still requires user authorization and live feature consent.
- [Authentication](https://mooola.co.za/auth.md): Canonical OAuth issuer, resource metadata and consent requirements. The marketing website is not an OAuth issuer.
- In browsers supporting WebMCP, `find_south_african_statement_support` looks up public format support and guide URLs. It does not read, upload or convert statements.

## Contact and community

- Author and developer: Luke Stephens — https://lukestephens.co.za/
- Email: contact@mooola.co.za
- Facebook: https://www.facebook.com/profile.php?id=61592870519224
- LinkedIn: https://www.linkedin.com/company/appmooola/
- X: https://x.com/appmooola
- Instagram: https://www.instagram.com/appmooola/
- TikTok: https://www.tiktok.com/@appmooola
- YouTube: https://www.youtube.com/@appmooola
- Reddit: https://www.reddit.com/r/mooola/
- Discord: https://discord.gg/F6DXCbj5MR
- GitHub: https://github.com/mooola-co-za