Very Nice

If you’re OK without online syncing transactions via a service of some sort, your search is over — this is >the< app you’re looking for.

I’d previously used Mint, but was shocked during a recent tech support session. One of my accounts wasn’t syncing properly and during the attempt to resolve it, the tech support person made it apparent they have access to all my account and transaction details. I’d rather my transactions are between myself and the financial service provider, not a 3rd party. I’ve tried all the major iOS personal finance apps, and they all store your account data on 3rd party servers if you’re utilizing sync functionality. Ideally, an app would store your credentials on your device only and sync directly with banks — may someday an app like that will come out, but right now there isn’t one.

Enter Debit & Credit. The only syncing it does is between your devices via iCloud — and it does so instantaneously. I purchased the iOS version as well. While D&C doesn’t sync directly with banks, I’ve been able to import OFX, QFX, QIF and CSV files downloaded from my banks. An added bonus is the Apple Watch app which lets me quickly add transactions.

I’d wish there was a little more functionality with payee renaming on file imports. Currently, an >exact< match will rename, but there isn’t an if/then option. An example would be Amazon.com transactions — they are often formatted slightly different, so my Payee list has 9 different Amazon.com entries so far. Same with New York City taxicabs, no 2 cabs have the same payee name, but they all have the phrase ‘NYC taxi’ — currently, D&C requires a payee-rename entry for each one. Ideally: ‘if payee includes [NYC taxi] then rename [Taxi]’

If you delete a payee from the Payee List in settings, the payee info for any previously entered transactions using that payee are changed to ‘General Transaction’ — not a fun lesson to learn and really shouldn’t work that way...

chazview about Debit & Credit