Does patchio need access to my bank account?

No. You import bank statements as a file (CSV, CAMT-XML or Excel). The file is only read in your browser and never leaves your device, and you check every transaction before it's added.

How are shared expenses split?

Evenly, by percentage, by share or exactly. patchio totals up the balances and simplifies debts into as few payments as possible.

Does everyone in the household see all my expenses?

Only if you want them to. An expense is either visible to the household or private – then only you and the people directly involved see it.

Can we keep our insurance policies in patchio?

Yes, under Finances → Insurance. For each policy you enter the type, who or what is covered, the insurer, policy number, premium and excess, plus a contact person and a few lines on what to do when making a claim. Every policy also counts as a contract, so it comes with the cancellation radar and the policy PDF, and you can link papers from the document vault to the matching policy. patchio doesn't give recommendations – it isn't a broker.

Family finances: split costs & track spending

Who paid for what, who still owes whom – and where does the money actually go?

Split expenses evenly, by percentage, by share or exactly – patchio totals up balances and simplifies debts into as few payments as possible.
Subscriptions keep running even though nobody needs them – and when something happens, you first have to hunt for the policy.
The contracts tool bundles subscriptions and contracts with documents and cost shares, and the cancellation radar reminds you of notice periods in time, before anything renews. Insurance policies have their own family folder: sorted by type, with a contact person you can tap to call, your notes for making a claim, and linked to the papers in the document vault, such as a child's health insurance card.
Several accounts, shared and private expenses – it's easy to lose the thread.
The multi-account model keeps your accounts and categories apart, and with an opening balance every account card shows the current balance with a trend line for the last twelve months. For the current month, the balance in Insights already looks ahead to the end of the month, with the fixed costs from your contracts included. The standing order helper, recurring expenses and settling shared fixed costs keep everything tidy.
Are you actually spending more on groceries lately – or is it just in your head?
Insights show every category with its share, the comparison with last month and the trend over twelve months – switchable between “just me” and “together”. The money flow runs from your income, such as salary or child benefit, through fixed costs to what's left over, and from your own salary you can share just a portion with the family. Annual bills can count in the month they're due, budgets with a traffic light warn you before a pot tips over, and savings goals fill up automatically towards a car, a holiday or a renovation.
Receipts go missing, and copying them out is a chore.
Attach a receipt photo or import your bank statement: patchio reads CSV, CAMT XML and Excel files, recognises Sparkasse, N26 and Revolut by itself and shows you every transaction for review before anything is added. The file is only read in your browser and never leaves your device – patchio needs no bank connection. The optional AI categorisation sorts entries for you, using as little data as possible, if you turn it on.