Seeing our finances clearly and planning ahead takes good tools. There’s just too much financial info to keep in your mind at all times, while still being able to enjoy life unburdened.
Helping people make better financial decisions is something Sberbank Slovenia and Toshl Finance have in common. So we’ve decided to partner up and offer our common customers better tools to control their finances.
2 years of Toshl Medici for free
Anyone with a Sberbank Slovenia personal bank account can connect it and get a free Toshl Medici membership that’s valid for 2 years. There’s an additional 50% discount on the next extension after that. Thus, helping to manage finances comes with an 80€ starting gift – the value of these services – to get started with managing finances better.
Sberbank, Medici, activate!
But how? Easy, start with any Toshl account. It can be free, no previous upgrades needed. In the Toshl app go to Main menu / Bank connections. Make sure popular Slovenian banks are shown, or search for “Sberbank” with the Slovenian flag. Click on it.
Follow the steps to connect your bank account to Toshl. You’ll be redirected to Sberbank’s website to log in and confirm connecting with Toshl.
That’s it! Once you’re connected with Sberbank, your Toshl user account will be automatically upgraded with 2 years of the Toshl Medici membership.
We’re thrilled that we can finally announce this collaboration with the Sberbank team and doubly so for what’s still ahead. Sberbank Slovenia is consistently rated as a trustworthy and reliable bank by its customers and one they’d recommend to their friends and family. The bank will also be celebrating 30 years of presence on the Slovenian market this year. A presence marked not only by quality banking services, but also social responsibility, including support for Slovenian sport teams in Nordic skiing (ski jumps and cross-country), volleyball and beach volley.
The Sberbank group globally has more than 98 million retail clients, 2,7 million corporate clients, 290 000 employees and 14 100 branches, building on a 180-year tradition of banking.
So, what are you waiting for? Connect your Sberbank account and feel that fresh air flow through your finances.
Which banks are new on Toshl? What’s updated, removed and what shitty. Here’s a summary of what’s been happening with the available financial institutions on Toshl, since we last posted updates in March.
New or re-added bank connections
Banque de Luxembourg
Banque Populaire (with regional branches)
BRED Banque Populaire
Caisse d’Epargne (with regional branches)
Crédit du Nord
Crédit Mutuel de Bretagne
Crédit Mutuel du Sud-Ouest
Natixis Wealth Management France
Société de Banque Monaco
Société Marseillaise de Crédit
Erste Bank Hungary is a special case. While an API connection has been re-added to test, the bank is very unresponsive and slow in fixing their API connection. We’ve had to resort to re-enabling the older semi-automatic scraping connection under “Erste Netbank”. Erste Hungary remains on our Shitty Bank List.
Credem – Credito Emiliano Privati e Famiglie (Carte)
Banco di Credito P. Azzoaglio Corporate
Banco di Credito P. Azzoaglio
Banque de Luxembourg
Banque de Patrimoines Prives
East-West United Bank
Eurobank Private Bank
Intesa Sanpaolo Bank
Skandinaviska Enskilda Banken
Union Bancaire Privée
ING Bank – Corporate
NatWest International Online
Royal Bank of Scotland International Limited ClearSpend
Royal Bank of Scotland International Limited EQ
United States of America
Capital One (almost, pending) – the bank has not been available for connection for a while, due to past disagreements between our bank connection partner Plaid and the bank. They’re reached an agreement, we filled a bunch of paperwork and the connection is supposed to be available from April 30th onward with the authentication done on the bank’s website. However Plaid still has technical issues which prevent us from displaying and linking the new connection. We hope and expect that this will be resolved shortly.
Many, many more banks and credit unions were added, some removed. The US have A LOT of smaller banking institutions like credit unions, so the changes to the list are too numerous to list here. Best to check searchable our bank connection list.
Capital One – Plaid had issues with the scraping type of connection of Capital One Canada for a long time, it was recently removed. We’re expecting the bank to be connectable under the new Capital One API connection, but are still experiencing some technical difficulties there. See under United States above.
UBI Banca – while the API connection was removed, scraping connections remain available. Likely due to API issues on the bank’s end.
UBI Banca (Carte)
UBI Banca Corporate
Enel X Corporate
Igea Banca Corporate
BCC di San Biagio Platani
BCC di Verona
Mexico enacted a new law, requiring location checking on bank log ins. A workaround was possible for most institutions, but problems remained with 2 banks. The Scotiabank connection was disabled. Our partners are continuing work on BBVA, but the viability remains in question. We hope that official bank APIs become a mandatory requirement in Mexico in the future to avoid such issues.
Shitty Bank list updates
We’re glad that we could remove Intesa Sanpaolo Italy from the shitty bank list. They’re resolved the API errors that have come up and we hope the connection remains in working order this time.
Unfortunately not all is well with the Intesa Sanpaolo group. We’re adding Privredna Banka Zagreb (PBZ), who is also a part of the Intesa Sanpaolo group. They have proven extremely unresponsive in resolving API issues an onboarding valid PSD2 licences. Intesa Sanpaolo Slovenia also continues to be unable to offer a stable API connection.
We’ve also added SKB and Sparkasse (Slovenia), Aqua Card and all Newday cards (UK). See why they’re shitty on the shitty bank list.
Overall, the connections are slowly but surely improving. We sure wish it was faster. Our bank connections partners at Salt Edge and Plaid take the brunt of the work here and we’re thankful for their efforts.
Exported files for the same period can be automatically added to email reports as well, including files with custom filters.
Sometimes you’d also need to inform others about the state of your financial affairs, or at least the part that affects them. For example, notify your roommates about the sums of shared expense tags last month. Perhaps you need to send a report including your business expense receipts from last month to the office. Last but not least, sometimes you just need a summary of a financial period and some extra records for backup. In any case, the new file export and email report improvements in Toshl have you covered.
While we’ve offered file exports in Toshl from the start, this update takes them to the next level.
Completely redesigned and redone.
Printer friendly, with most of the document in black and white, using less surfaces to save up on ink.
Transaction lists are much easier to read now, include descriptions, repeat, location, splitting and paid / unpaidinformation.
Transfers between financial accounts and balance reconciliations are now included by default.
Foreign currency amount, main currency amount and exchange rate are included if the transaction is in a foreign currency.
Photos and PDF attachments can now be added to the exported PDF. Images of expense receipts can be included as 1 per page or 4 per page, depending on how large you need them to report. Receipt images also linked from the transaction list itself, so the receipt copy can be easily referenced.
Account balances on the last day of the exported time span.
Expense, income graphs are now included. This includes the donut graph for categories as well as the tag bubbles to get a better sense of proportions.
Expense, income sums listed per category, per tag and per financial account. Listed from the largest to the smallest sum in the period for easier comparisons.
Budget summaries for budgets that match the time span of the exported period.
CSV, XLS (Excel), OFX
Transfers and account balance reconciliations are now included by default.
Photos and attachments can now be added to these exports. They come in the form of the transaction file and images sorted into folders, packed together in a ZIP file.
New support for the OFX file format. Quick to export and import (no column matching required), but unfortunately cannot include category and tag data.
The exported files are no longer sent via email in the mobile apps. They’re now available directly, with the file downloaded in the app. Further actions are available using the system “open with” and share dialogues on iOS and Android.
The CSV, XLS and OFX files can also be imported back into Toshl.
While most exporting should complete quickly, picking a long time span with lots of data – especially images, can take a bit longer. If that happens to take more than a few minutes, fear not, all is still well. You can freely close the app and when the exporting finishes on our servers, we’ll send you a notification informing you that the exported file is now available.
If you’re having issues with the CSV not displaying unicode characters in Excel – like in Arab, Hebrew or pretty much any non-Latin script, make sure to import it to Excel as a CSV file. If you just open the CSV, Excel doesn’t detect text encoding well. If you import the file as CSV, set encoding to UTF-8, it will import correctly.
Filtering data for export
What makes these features really powerful, is the option to filter the exports however you want. For starters, you can select the types of data you want included in the file, as seen on the left screen.
Tap the global filtering button on the top right of the screen. There, you can filter by:
time span; my financial months or any custom time span
Tap the funnel icon just below the tabs and the filtering screen on the right opens up, to filter by:
You can use a combination of filters to get the report you desire.
A common use for this is making a report of shared expenses. Marking the expenses that you share with someone with an additional tag. Then make a PDF report filtered by that tag to figure out how much you owe each other. The report can also include individual transactions, so everyone can see how you got to that sum.
You can also make business expense reports this way. Mark business expenses with an extra tag, as well as add the expense receipt images if you need additional information. Export to PDF and you can attach the expense receipts right in there. Moreover, you can also send a report like this to yourself every month, attached to the email report.
All data exports
Export all images and file attachments. Can also be filtered by time span or account.
Export all data you have on Toshl in CSV form, including data on past payments, devices used etc. Additional metadata is available via the Toshl Developer API.
How do I get started?
The updated features are already available in the web app on toshl.com and in the latest Toshl Finance apps on Android and iOS. Version 3.5 and upwards.
As we gear up for the release of major new features like the new email reports and exports, we’re taking a few moments to highlight some minor improvements that we’ve made recently in the Toshl apps.
A new set of colours for the graphs. Expenses, incomes, River flow, Planning… All the graphs in the web app got a fresh coating of paint, increasing the contrasts between categories while keeping our aesthetic standards satisfied. Web app is the first to get this update, with mobile apps following later on.
Overhauled budget history graph on the web app. It previously showed only your budget spending in past periods. It now compares your spending to the budget amount that you have set for the period. Go over your planned budget and the overspending will glow with increasingly menacing shades of red. Click on the graph to show details for the period. Previously available in the Android app, coming soon to iOS as well along with some yearly budgeting stats to boot.
8 new cryptocurrencies with constantly updated fresh exchange rates added. They’re already available in all the Toshl Finance apps, just pick the currency and you’ll find them there. This bring the total of available currencies to 258. You can use any of these currencies for your entries, budgets, accounts or even as your main currency. New additions:
Wrapped Bitcoin (WBTC)
Ethereum 2 (ETH2)
Company VAT ID numbers for companies from the European Union can now be added to Toshl invoices as a part of the upgrade process when upgrading on our website. The ID is automatically matched with the company list and further details are pre-filled.
The upgrade process was streamlined, with less promotional imagery. We’ve added an option to skip the free T-shirt or socks that normally come with the 3-year plan.
Membership status translations on the user settings (Me) were improved for clarity in cases where the free trial auto-renewal had been already cancelled.
Bank connectivity systems were improved in app updates both on iOS and Android, with iOS getting the larger overhaul this time. We’re continuing work on these issues, in particular; handling redirections after authenticating on the bank’s website. Due to various web browsers on Android handling this quite differently and these behaviours changing, the last step of connecting can sometimes fail. The connection will normally fix itself in the next retry in an hour, but this skips limiting the import by date. A workaround is in the making. If this happens when connecting your bank, please also try connecting from the web browser on toshl.com. Such issues affect a minority of bank connections, most should connect fine on all devices.
Speedier syncing of the iOS mobile app with Toshl servers and consequently with other Toshl apps as well.
2021 has so far been eventful when it comes to bank connections, to put it mildly. We’ve experienced some Brexit and connection partner related issues, which resulted in having to reconnect EU bank connections and even an extended dowtime in the case of certain banks, where replacements weren’t provided by partners.
We have better news today. The issues with connections have been abating for a while now, as our bank connection partners resolved the issues. Salt Edge provided an alternative AISP registration and onboarded banks shortly after, but still experienced delays in some cases due to the onboarding process. Plaid’s complete EU downtime continued for 2 months. They were granted a new AISP registration in middle of February and have been onboarding banks again since, most are now available again, but some exceptions remain. Where the connections are still not available, the ball is likely in the bank’s court, either due to slow processes of approving the new registration or errors on the connection itself.
At the time of writing 15 152 bank connections around the world are available on Toshl.
Yesterday, a larger batch of French and Spanish and Irish connections have been re-enabled. Where Salt Edge provided replacements during Plaid’s downtime, those connections will continue to use the Salt Edge connection. The connections which remained missing on Salt Edge, but are available again over Plaid, have been enabled.
Recent additions and re-additions to bank connections:
Ireland Allied Irish Banks, Bank of Ireland, Permanent TSB (now over API), KBC, Ulster Bank
France Credit Lyonnais (LCL), Société Générale, HSBC, La Banque Postale
Netherlands American Express, Garantibank
Poland PKO Bank
Italy Banca Sviluppo Tuscia, Intesa Sanpaolo Corporate, BCC di Massafra, CRS, Banca Capasso Antonio, Banca Macerata, Banca Santa Giulia, Banca d’Alba, Banca di Sconto e Conti Correnti, Banco Marchigiano CC, Mediocredito Trentino, Prader Bank, Solution Bank
Germany Sparda Bank (7 regional veriations now over API), Barcalycard (now API)
Hungary MKB Bank
Spain Novo Banco
United Arab Emirates ADIB (Abu Dhabi Islamic Bank)
Slovakia OTP Banka
Czechia Fio Banka
Slovenia Delavska Hranilnica started supporting business accounts
Unites States several Charles Schwab connections in the US.
Israel Yahav Bank due to “technical issues” with scraping.
Still Missing in action – were available until Brexit issues, waiting to get them back. In most cases waiting for the bank to approve the new registration.
With API connections – which banks need to provide by law in the European Union, the banks provide a large part of the functionality on their end. The authentication and the sending of account, transaction data, if we simplify a bit.
While we understand that there are usually some glitches with the implementation of new solutions, some banks are showing remarkable consistency in not resolving issues for long periods of time. As for the reasons, we leave the Hanlon’s razor to you.
To better explain what goes on in some of these cases, what are the legal limitations of PSD2 and in hopes of improvements in the future, we’ve started the Shitty Bank List, where we’ll keep you updated on the depths of bank depravities. Our sincere hope is to shrink that list to 0 as connections and attitudes to Open Banking improve.