CSV Import and Privacy: What JoinFunds Stores

What CSV import changes

JoinFunds lets you import supported bank statement formats without connecting to your bank account. You choose the account, file and date range. That gives you control over what you submit, but it does not make JoinFunds an offline app.

The file stays local; imported records are stored

The web importer parses your CSV in your browser. When you confirm an import, structured transaction records — including dates, descriptions and amounts — are sent to JoinFunds and stored so your household can use them across devices. Do not interpret browser-side parsing as a promise that financial data never reaches a server.

The CSV import flow does not ask for your bank login or a bank-access token. JoinFunds still uses its own sign-in sessions and service providers. Its Privacy Policy describes the information processed, processors, access, retention and your choices. Account visibility controls do not provide end-to-end encryption or prevent authorised service administration.

Decide what to share with your partner

With the Plus account-visibility controls, you can choose shared, balance-only or private accounts. Read the account visibility guide before importing personal spending. A private account controls your partner's access within JoinFunds; it does not stop the service storing the records you import.

Keep statement files and downloaded exports secure on your own device. An export can contain sensitive information even when you later change an account's visibility.

Importing has a maintenance cost

CSV records reflect the files you last imported. They are not a live bank balance or a guarantee that every bill has cleared. Update imports regularly, check the account and date range, review duplicates and resolve errors before relying on totals. A bank's export formats can change; a downloadable statement is not necessarily a supported CSV.

Use the bank export guides for instructions and the import guide for review and recovery steps. JoinFunds currently supports GBP, EUR and RON accounts; it does not accept every currency merely because a file is CSV.

Analytics and your choices

Optional product analytics use consent controls. They are separate from the transaction data needed to provide the service. Review your preferences and the Privacy Policy for the current purposes and providers. Declining optional analytics should not be confused with keeping your imported financial records only on your device.

CSV or a connected service?

Choose based on your needs: manual selection and supported file formats may suit one household; automatic bank updates may suit another. The privacy and security properties of a connected service depend on its permissions, providers and policy. CSV alone does not establish that one app is safer than another.

For a practical next step, set up your first account, import a small supported statement and review the saved records. Data Export & Privacy explains the difference between a household data export and a transaction CSV.

Reviewed 15 October 2026 against the current importer and consent implementation. The linked Privacy Policy governs current processing; this article is not a compliance certification.