Open-banking fear is rational. Once an expense app asks for your bank username and password — or a deep “connect account” flow that feels the same — you are trusting that product with credentials you would not paste into a random form. Even when the pitch is convenience (“we sync everything”), the trade-off is clear: your ledger gains speed; your bank identity leaves the bank app.

Plenty of people still want less typing after every QR / UPI / Pix / wallet payment. Those two desires collide. So when we built Smart Notification Entry in Money Tracker , we started from a hard line:

The app does not connect to bank logins. It never asks for your bank password.

That is not a soft disclaimer buried in settings. It is the product shape.

What we do instead of bank login

Money Tracker is a bookkeeping and budget app (Android store name: Money Tracker-Expense & Budget ; iOS: Money Tracker:Expense & Budget ).…