Category: Announcements

We Are NOT Giving Out Movie Tickets in Singapore

Beware of Greeks bearing gifts. Or Singaporeans bearing free movie tickets in this case. The fact that we won’t buy you a free movie ticket usually goes without saying. However we’ve been getting reports that people purporting to be representatives of Toshl Finance have been offering movie tickets in Singapore’s Suntec shopping centre in exchange for phone numbers.

We do not have ANY official representatives in Singapore and are NOT running any such promotion.

Please disregard such offers and DO NOT give them any personal information. We are not yet aware of their full intentions, but since they are abusing our good name without any authorisation, it’s possible something nefarious might be at play here.

If you have been approached by these people or can offer any additional information about this, please contact us on

This is how an official Toshl stranger with candy would look like. The ones mentioned in the text above are not official in any way.
Posted in Announcements

Bank Connection News August 2019

To make sure all your new transactions and account balances are up to date in Toshl, thousands of bank connections need to be maintained and working well with the help of our bank connection partners. In addition, we keep expanding the connections on offer, so all your bank, retirement accounts and credit cards can be automatically updated with ease. To keep you abreast of what’s going on behind the scenes, we plan on make such bank connection news a regular fixture on our blog.

There’s about a 100 new ones in addition to more than 13 000 already on offer. Among them; Starling Bank in the UK, BBVA Compass and Zero in the US. Our Brazilian customers will also be happy to learn that Banco Inter is back after a hiatus. The full list of added connections is available below.

Upcoming (in testing)
The often requested TransferWise and Monzo are in testing and will most likely be available in the coming weeks if all goes to plan. Additionally a lot of new connections in Slovenia, France, Spain and across the European Union are being worked on in preparation for the final entry into force of the new PSD2 directive. This legislation mandates that all EU banks offer official automatic connections, which will mean more bank connection on offer in the future as well as quicker and more reliable existing connections. In the short term it also means a lot of developing and paperwork for our bank connection partners and us.

Ongoing issues
While we try to keep things going as smoothly as possible we do sometimes encounter problems on some connections which we cannot immediately remedy. More often than not, this is due to banks blocking our bank connection partners and 3rd party apps like ours from connecting and ignoring efforts to resolve the issues with dialogue. This kind of often anticompetitive behaviour is one of the issues that the aforementioned PSD2 legislation is tackling in the EU. We’d be very happy to see the rest of the world follow suit in demanding official APIs from financial institutions.

While we cannot get into more details for each connection, at the time of writing we’re experiencing ongoing issues with Capital One (US), ABN AMRO (NL) and AMEX (US).

Bankers and Toshl can actually get together splendidly. It’s sweet really. Sweet like a lollipop.

List of recently added connections

Banco Intermedium

Canadian Western Bank – Online Banking
First Calgary Financial – Personal Banking
First Credit Union – Online Banking
Frontline Credit Union – Personal Banking
Ganaraska Financial Credit Union – Personal Banking
Heritage Credit Union – Personal Banking
Island Savings Credit Union – Personal Banking
Kingston Community Credit Union – Online Banking
Kootenay Savings Credit Union – Online Banking
Northern Savings Credit Union – Online Banking
Salmon Arm Savings and Credit Union – Personal Banking
Union Bay Credit Union – Personal Banking
VantageOne Credit Union – Online Banking

Norisbank Berlin

United Kingdom
NatWest business
NatWest offshore (international)
Ulster Bank
Virgin Money Bank Credit Cards
Virgin Money Bank Investments
Virgin Money Bank Savings

ASN (personal)

United States
1st State Bank (NE) – Personal
A.R. Schmeidler and Company
ABA Retirement Funds – ABA Retirement Funds
Actinver Securities
ADP – Retirement Services – Plan Participant
ADP TotalSource Retirement Savings Plan
Aetna 401k – Aetna 401k
Aintree Capital – Client Access
Akin Gump Strauss Hauer & Feld LLP
Alden State Bank (NY) – Personal
Alliance Bernstein 401k Plan
Amarillo National Bank – Personal
American National Bank (IA & NE) – Personal
American Trust – Online Banking
Ametek Retirement Plan
Arkansas Diamond Deferred Compensation Plan
Armstrong Bank (OK)
Army Aviation Center Federal Credit Union
Arvest Bank 401k & Profit Sharing Retirement Plan
Asheville Savings Bank – Personal Online Banking Services
Associated Securites Corporation
Astra Bank
Atlantic Federal Credit Union
Atos 401k Savings Plan
Bainco International Investors
Baker Botts L.L.P. 401k and Savings Plan
BancWest Investment Services
Bank 7
Bank of Bennington (NE) – Personal
Bank of Clarke County – Personal
Bank of Marin – Personal Banking
Bank of the James
Baxalta Savings Plan
Baxter Savings Plans
Bay Bank – Personal Online Banking
BBVA Compass
BBVA Compass – ClearSpend Visa Card
BBVA Compass Investment Solutions – Pershing
Beacon Community Credit Union
Beech Hill Securities
Beneficial Investment Services
Benjamin F. Edwards & Co.
Best Buy Retirement Savings Plan
BMO Harris Financial Advisors
BNP Private Wealth Management
BNY Mellon Capital Markets
Boiling Springs Savings Bank – Consumer Online Banking
Bolton Global Capital
Booz Allen ECAP
Boyd Gaming Corp 401k Plan and Trust
BPU Investment Management
Bruning State Bank
Bulltick Capital Markets
Cadaret Grant & Co.
Calpers Supplemental Income Plans
CalSTRS Pension2
Capital Analysts Incorporated – Pershing
Capital Guardian
Capital One Investing
CAPTRUST Financial Advisors – Client Login
Catholic Federal Credit Union
CB&S Bank in Alabama – Personal
CenterPoint Energy Savings Plan
Charter Bank (WI)
Choice Financial – Mobile Banking
CIRS 401k
Citi International Financial Services (CIFS) – Pershing
City of Los Angeles DC Plan
Clinton National Bank
CNS 401k Plan
Colorado PERA 401k/DC/457 Plans
Commonwealth Securities Limited
Community National Bank
Community National Bank & Trust (KS)
Constellation Wealth Advisors LLC – Client Access
Constellis 401k Plan
CRI Securities
Cuna Brokerage Services, Inc – Pershing
DAIMLER Retirement Savings Plan
DaVita Retirement Savings Plan
Deutsche Bank Alex Brown – DBConnect
Dollar General Retirement Plan
Dreyfus Lion
Empower Retirement – ACEC Retirement Trust
Empower Retirement – AEP 401k
Empower Retirement – American Funds
Empower Retirement – Career Education Corporation 401k Plan
Empower Retirement – CCOERA
Empower Retirement – CFG
Empower Retirement – Chesterfield County 457 Deferred Compensation Program
Empower Retirement – Chicago Public Schools
Empower Retirement – City of Arvada Retirement
Empower Retirement – City of Austin Deferred Compensation Plan
Empower Retirement – City of Los Angeles Premiere Deferred Compensation Plan
Empower Retirement – Comerica Retirement
Empower Retirement – Commonwealth of Pennsylvania Deferred Compensation Program
Empower Retirement – County Of Los Angeles Defined Contribution Plans
Empower Retirement – County of Orange Defined Contribution Program
Empower Retirement – County of Santa Barbara 457 Deferred Compensation Plan
Empower Retirement – CoxHealth Savings Incentive Plan
Empower Retirement – Directed Account Plan
Empower Retirement – EMJAY Retirement Services
Empower Retirement – Fairfax County Public Schools Retirement Savings Plans
Empower Retirement – Fifth Third Bank Retirement Plan
Empower Retirement – Great-West Smart Track Variable Annuities (Non-New York Residents)
Empower Retirement – Gwinnett County Retirement Plan
Empower Retirement – Hallmark
Empower Retirement – IRA
Empower Retirement – JBS 401k / Pilgrim’s Pride Retirement Savings Plan
Empower Retirement – JPMorgan Asset Management
Empower Retirement – KPERS 457
Empower Retirement – Lockheed Martin Savings
Empower Retirement – Louisiana Deferred Compensation Plan
Empower Retirement – Massachusetts Deferred Compensation SMART Plan
Empower Retirement – Mercy Myretirement Program
Empower Retirement – MetLife
Empower Retirement – Minnesota Deferred Compensation Plan
Empower Retirement – Minnesota State Retirement System (MNDCP)
Empower Retirement – Mississippi Deferred Compensation Plan
Empower Retirement – Montana Public Employee Retirement Administration
Empower Retirement – Nada
Empower Retirement – Nebraska Public Power District
Empower Retirement – NetXInvestor
Empower Retirement – New England Financial
Empower Retirement – NYCE IRA
Empower Retirement – Penn State Milton S. Hershey Medical Center
Empower Retirement – Persi
Empower Retirement – RELX Group
Empower Retirement – Sony USA
Empower Retirement – SoonerSave
Empower Retirement – South Carolina Deferred Compensation Program
Empower Retirement – State of Alaska Supplemental Annuity and Deferred Compensation Plans
Empower Retirement – State of Florida Deferred Compensation Plan
Empower Retirement – State of New Hampshire 457b Public Employees DCP
Empower Retirement – SunTrust
Empower Retirement – TD Ameritrade – 401k Plan
Empower Retirement – TexaSaver
Empower Retirement – The Childrens Hospital
Empower Retirement – Thrivent
Empower Retirement – TN Retire Ready
Empower Retirement – Vail ResortsRetirement – Vermont 457 Retirement
Empower Retirement – Walgreens
Empower Retirement – Washington State Deferred Compensation Program
Empower Retirement – WellSpan Health
Empower Retirement – Wisconsin Deferred Compensation Program
Equity Bank (KS) – Personal
ExxonMobil Savings Plan
F&M Bank (NE)
Farmers & Merchants Bank of Central California
Farmers and Merchants Bank of Long Beach (CA)
Farmers National Bank (Danville, KY)
Farmers State Bank
Fidelity Bank (Georgia) – Mobile Banking
Fidelity Bank (TX)
Financial Partners Credit Union
Financial Symmetry
Fintegra Financial Solutions
First Bank
First Bank of Linden (AL)
First Choice Credit Union
First Citizens Securities
First Command Bank
First Command Financial Planning
First Community Bank of Central Alabama
First Credit Union (AZ)
First Empire Securities
First Farmers & Merchants Bank (Cannon Falls, Le Suer – MN) – Personal
First International Bank & Trust – Personal
First National Bank of Gilmer – Personal
First Security Bank (MT)
First State Bank (NE) – Personal
Fluor Corporation Retirement Plans
Freudenberg-NOK General Partnership 401k Plan
FSC Securities Corporation – Pershing
Genoa Bank
Gibson, Dunn & Crutcher Retirement Plan
Goldman Sachs Private Wealth Management
Green Belt Bank & Trust
Gwinnett County Retirement Plans
Hearst Benefits Wealth – Retirement Savings
Hefren – Tillotson, Inc
Heidelberg Retirement Savings Plan
Henley and Company
Hewitt Financial Services
Home Bank – Business
Home National Bank (Racine, Syracuse, Middleport)
Honeywell Savings Program
Huber 401k Investment Program
Hunter Douglas Inc Savings 401k
Ideal Credit Union
Indiana Public Retirement System
International Assets Advisory (IAA) – Client Access
Invesco – Investor Account Access
Invest Financial Corporation
Investment Professionals Inc.
Jefferies – Private Client Services
John Hancock – Retirement Plan Services
Kohler Company 401k – Kohler Company 401k
Lake Elmo Bank
Legends Bank (TN)
Leidos Your Retirement Center
Lincoln Investment Planning
Lion Street Financial
Lockheed Martin Savings Plan
Lockheed Martin Savings Plan
Los Alamos National Bank – eBanking
Los Angeles Unified School District (457b)
Lubrizol Profit Sharing and Savings Plan
M Holdings Securities
M&T Bank – Web Trading
M1 Finance
Maine State Credit Union
MasterCard Retirement Plan
Mercer Wealth Solutions
Minnesota State Retirement System
Montana Federal Credit Union
NAPA Profit Sharing Plans
National Bank of Commerce (WI & MN)
Nationwide Securities
NBK Capital
Nestle SmartSavings Program
NetExchange Client
NetExchange Investor
NetExchange Investor
NetXInvestor Client
Occidental Petroleum Corporation Retirement Plan
Olin Employee Ownership Plan
One Vision FCU
OneWest Bank – Personal Banking
Oregon Savings Growth Plan
Oriental Financial Services
Park View Federal Credit Union
Parkside Federal Credit Union
Partners Bank of California
Pella Corporation 401k
Pennsylvania Higher Education Assistance Agency (PHEAA)
Peoples Bank (IN, IL) – Personal
PERS/OPSRP Individual Account Program
Pershing Brokerage Services – BNY Mellon
Personal Capital Pershing Login
Piggott State Bank
Portland General Electric Company 401k
PPG Industries Retirement Plan
PrimeSouth Bank (GA)
Publix 401k SMART Plan
Raymond James USA Limited
Refinitiv Retirement Plan
RM Stark and Company
Rockwood Bank – Personal
Royal Alliance – Pershing
Sacramento Credit Union
SagePoint Financial – Client
Sanibel Captiva Community Bank
Saturna Brokerage Services
Seattle Metropolitan Credit Union
SECU Brokerage Services
Securian – NetXInvestor
Sentinel Securities
Serco Inc. 401(k) Retirement Plan
Shareholders Service Group
SII Investments
SII Investments, Inc – Pershing
Sodexo 401k Savings Plan
Sorrento Pacific Financial
Spirit AeroSystems Retirement
St. Louis Community Credit Union
Starwood Savings and Retirement Plans
State of Michigan 401k/457 Plan
Sunlife Savings and Advantage Plan
TD Ameritrade
TD Wealth – Investments
The Fidelity Bank (NC) – Personal
The GMS Group, LLC – Client Login
The MYR Group 401k
The Plains State Bank (KS)
The Southern Credit Union
The Vencore 401k Pla
Trading Direct
Transamerica – Retirement – NetXInvestor
Unified Bank
United Launch Alliance 401k Savings and Retirement Plan
Unitus Community Credit Union
University of Iowa Community Credit Union
UPS 401k Savings Plan – UPS 401k Savings Plan
Valley Bank of Kalispell
Venecredit Securities
VOYA Annuity & Assets Contracts – Client Login
VOYA Life Insurance – Client
VOYA Retirement Plans
Waddell & Reed, Inc.
Washington Federal Savings
Washington State Employees Credit Union
West Michigan Community Bank – Personal
Westpac Securities Limited
Wiley Bros.
Woodbury Financial Services
York Securities
Yum Savings Center

You can also see and search all the bank connections available. If you already have a Toshl account, click here to open this bank list in the web app (log in required), where you can connect them straight away.

Posted in Announcements, Bank connections

Track Your Spending With Ultimate Accuracy by Splitting

For a couple of months, the Toshl team has been working diligently on a new splitting feature for the Toshl Finance apps. We are introducing this functionality for people who enjoy having their finance under complete control. It’s now easy to split the total of any receipt into smaller parts in the Toshl apps and make the tracking of your expenses and incomes more precise.

The splitting functionality is very handy when it comes to managing the bills issued for multiple types of expenses. You can keep an eye on your costs and sort them better by adding different categories to the parts of the bills in Toshl apps. After visiting a grocery store, it’s easier to note your multiple types of expenses (e.g. cosmetics, accessories, food). Once the bill for this purchase comes in, you can find it in your Expenses, open it and click “Split”. In a couple of clicks, you will split it into different types of expenses adding relevant categories and tags. In this way, you could track all kinds of your expenses easily.

Splitting into categories and tags is especially convenient for Toshl Medici users who use an automatic bank connection, but it can be also used with manual financial accounts. Other than splitting into categories and tags, it can help you track your shared purchases, loans, refunds or cashbacks.

All in all, it will make tracking your spending more precise and easier.

The splitting feature is available for all Toshl users, no matter whether you’re on the free, Toshl Pro, or Toshl Medici plan.

To use it, just make sure that the Toshl Finance mobile app is updated to the latest version:

Toshl for Android (3.3)

Toshl for iOS (3.3)

The web app is of course always up to date. It also features a refreshed look, so it’s easier on the eye:

Toshl Web App for tablets and desktops

Want to learn more about the feature? Check out the splitting tutorials for Android, iOS and the Web App.

Just keep calm and trust the Toshl monsters. They will split your bills. With pleasure ;)

Posted in Announcements

January Novelties in The Toshl Apps

Platform improvements. These were either improved in all the Toshl apps, or on the server (backend) and thus automatically improve all the Toshl apps.

  • We greatly improved the reliability of detecting transfers between financial accounts. If you’re interested in how and what you can do to better note transfers, see the transfer matching blog post.
  • Detected transfers can also be un-matched into their expense and income constituent parts.
  • Semi-automatic bank connections, those that require an input of credentials whenever updating are now more clearly noted. All the apps now show a notice about this when connecting to the bank. A reminder notification to update the data each week is advised.
  • Expenses and incomes on automatic accounts can now be manually deleted.
  • We’ve increased the date range for which the transactions are available on about 400 bank connections.
  • Various minor reliability improvements on bank connections, to avoid duplicates, make sure entire descriptions of transactions are imported, balances show only the current balance instead of the total available etc.


  • Planned expenses and incomes now show with dates on the list.
  • Customized pins on the location map (lollipops FTW!).


  • The “my financial month” setting is now available in the mobile app. With it, you can set your financial month to start on a different date than the calendar month. Tap the red month button in the right drawer to set it.

Web App

  • Transaction description previews are now shown directly on the expense and income lists.
  • Updated the report a bug widget, so it’s easier to report bugs or ask questions about specific data from the web app.

We also worked on major features coming in the future, added tons of other minor improvements and fixes, too numerous too list here. But when it all works well, you’ll know they’re there. 😉

Nothing stops us from keeping on improving.
Viježbamo p**** vam materina! (a little joke for all our ex-Yu friends)
Posted in Announcements, Development

Between Scylla and Charybdis: Why We’re Switching the Locations Feature Back to Foursquare

We’re switching the expense locations provider to Foursquare! Back to Foursquare, as it was before April. Don’t let the exclamation mark of the first sentence fool you, it is not one of excitement, rather of frustrated dread.

When making Toshl v2 a few years ago, we thought it would be a cool feature to add the location of the expense or income. Cooler still, with the help of a 3rd party service, we could even show and save the name and info of the exact venue, not just the coordinates.

For this to happen, we chose Foursquare. We used their apps, knew they had a pretty good database of crowdsourced venues and at the time, offered the venues API for free, even for commercial use. Through the years of use and user feedback, we discovered that the coverage could be somewhat patchy in certain countries, but worked well overall. Hell, it was free, save for the attribution and data about which places were the most frequented.

Then earlier this year, a Foursquare representative sent us an email, saying that they’ve changed the terms and now want to charge us the 750 $ (US) per month for location API access. We’re not against paying in principle, they do provide a useful service, but a bait and switch with going from 0 to 750 $ a month was a bit harsh. Especially for a feature that doesn’t represent the core of our service, but is rather a nice add-on for most people.

Therefore we resisted and checked out other providers. Google Places API was an obvious choice. While the quality of location data also varied a bit, the database of venues was very large and we knew Google was definitively committed to keep improving it substantially in the future.

So we added the switch of location providers on our to-do list, updated the backend systems, optimised how the results were fetched and displayed, changed the location provider logos in the apps and launched the new location system with Google’s results on 18th of April 2018.

While Google’s Places API was not free in theory, there was a cap beyond which they started charging. Essentially this made the service free for us, as we didn’t surpass those rather generous caps.

Then on May 3rd, the bomb hit. Google announced they were raising their API prices. By A LOT. You can imagine how happy we were.

We weren’t the only ones:

Insane, shocking, outrageous: Developers react to changes in Google Maps API

There was a 3-month transition period after June 3rd during which they offered some transitional credits to existing customers, but after this, our monthly bill would go from 0 to about 3000 $. Wonderful.

We had a few calls with Google representatives to see if something could be worked out, or if we had misunderstood something, but all we got was a “that’s unfortunate” and a $300 credit for other Google Cloud services.

We obviously looked at other location data providers like HERE, TomTom, Mapbox and others, but very few offer worldwide coverage and even when they do, it can be pretty patchy and imprecise.

Perhaps that’s also because during the last decade Google offered these location services below cost, thus stifling stronger competition that might have otherwise developed.


So long story short, the locations of your expenses and incomes in Toshl apps will again be provided by Foursquare. We apologise for any inconvenience that might have caused, as the locations on both platforms don’t always match completely. As you can probably tell from above, our choices were somewhat limited. We hope the location function will work well, consistently and hopefully without further pricing shocks in the future.



Posted in Announcements, Development