Stop wondering
where your money went.

The five most-used ones: Penso reads PDF statements from Banco Santander, Itaú, Banco de Chile, Banco Falabella, and Banco Security. With Banco Santander, Itaú, Banco de Chile, Banco Falabella, Banco Security, Bci, Scotiabank, Banco BICE, Itaú Empresas, and Security Empresas you can also pull your transactions from the Penso mobile app by signing in to your bank, no statement download needed. That option doesn't exist on the web: there you upload the statement.

In a couple of minutes, with no typing: download your statement as a PDF from your bank's website and upload it to Penso. Penso recognizes the bank and format on its own, pulls out every transaction, skips the ones you already have, and categorizes them with your rules. If the format isn't recognized, an AI reader processes it as a fallback.

Yes. Data travels encrypted over HTTPS and your financial data is never sold or shared with third parties. If you pull transactions from the app, you type your password directly on your bank's site: Penso never sees or stores it. You can also enable two-factor authentication (2FA) to protect your account.

No. Penso does not sell or share your financial data with third parties; it is free and its model does not depend on monetizing your information. The details are in the privacy policy.

Yes. Penso is free and asks for no credit card: create your account, upload a statement, and see your month sorted within minutes.

Penso is built for how money moves in Chile: it reads Chilean bank statements as they come, works in Chilean pesos (CLP), understands installment purchases —so you know how much is committed over the coming months— and finds the subscriptions that keep charging you. It is also free and works on the web, iPhone, and Android.

Yes, so your numbers are with you wherever you are. There's an iPhone app on the App Store and an Android app you can download directly from penso.money; from the app you can also pull your transactions from Banco Santander, Itaú, Banco de Chile, Banco Falabella, Banco Security, Bci, Scotiabank, and Banco BICE without downloading a statement. If you prefer, install the web version from the browser: it saves the expenses you log without signal and syncs them when you reconnect.

Yes, without losing your history. Penso imports transactions from CSV files (save your Excel sheet as CSV) and has a dedicated Money Manager migration that keeps your accounts and categories.

Yes, and it's the fastest way to never forget an expense. Penso includes a Telegram bot that understands natural language: type "uber 5400" and the expense is logged and categorized. You can also ask it for your balance by chat, and if you link the bot, Penso alerts you on Telegram when new transactions arrive and something looks off: exceeded budgets, spending above your average, or installments about to end.

Yes, so everyone at home looks at the same numbers. You share your space with other people and decide who can only view and who can edit, with roles (owner, admin, editor, or viewer).

Yes. Ask Claude or ChatGPT "how much did I spend on delivery this month?" and it answers with your real Penso data, not a generic average. It works through an official MCP (Model Context Protocol) connector: you authorize access with your account and can ask about your spending, budgets, debts, and investments in natural language, and even log transactions with confirmation. You can revoke access anytime from settings.

Three things: it reads your bank statement when the format is not recognized (as a fallback to the per-bank parsers), suggests categories for your spending when none of your rules match, and generates natural-language analysis of your finances. The AI is a tool inside the app, not an autonomous advisor: it does not make decisions for you or move your money.

Access is yours and under your control: you authorize it with OAuth on a consent screen, it operates only on your own space, and irreversible operations require your explicit confirmation in the conversation. The connector never sees your bank passwords, and Penso does not sell or share your financial data.

From Penso, in Settings → Connectors: there you see every client you authorized and can revoke any of them in one click. A revoked connector loses its authorization and would have to ask for your consent again to reconnect.

It cannot see your bank passwords (no connector tool exposes them), cannot access other people's spaces, cannot delete data without your explicit confirmation, and cannot move your money: Penso is not a bank, does not hold funds, and does not execute payments or bank transfers.