Multi-bank
Connect straight to your bank
Your transactions arrive on their own, with the merchant recognized and the category already set. And if your money sits in three different banks, you finally see it added up on one screen.
6
updates a day
4 h
between one and the next
0
times you open the app
Santander
Banco de Chile
Banco Falabella
BancoEstado
Scotiabank
Itaú
Bci
Banco BICE
Yours is not here? You can capture spending with Apple Pay, log it over WhatsApp, or keep a manual account.
Every product you hold
Not just the checking account
The bank reports each product separately, and Not Pato reads each one for what it is. A credit card is not money you have: it is money you owe, and it is shown differently. A savings account does not belong in your day-to-day spending. And every card shows up in its bank's own design, so you recognize yours without reading.
- Checking and sight accounts, with their available balance
- Credit cards, with the cycle debt and the limit
- Credit lines, which arrive disguised as debit and are not
- Savings accounts, kept apart from your day-to-day money
- Additional cards are read as part of the same credit line
lifeSaldo
$487.906
•••• •••• •••• 6277
Saldo
$1.298.122
What arrives when you connect
Checking account
Available balance
$487.906
Credit card
Cycle debt · $200.000 limit
-$210.892
Credit line
Available
$99.408
Savings account
Kept out of your day-to-day money
$1.240.000
Open FinanceRail makes the connection
Open finance infrastructure: the same kind of secure connection financial apps use. Read-only by architecture, which is not a promise of good behavior but the only thing it knows how to do.
Read-only by design
It starts no payments or transfers.
AES-256-GCM encryption
With a different key per connection.
Consent on the record
With its scope, revocable whenever you want.
Deleted on disconnect
Credentials and data are removed in cascade.
Personal data processed under Chilean Law 19.628, with express consent. Out of PCI scope: full card numbers are never stored, only the last four digits. Adherence to the ABIF-FinteChile framework agreement in progress.
Visit RailHow it works underneath
You connect once
You pick your bank and enter your credentials on the provider's screen. Two minutes, and it does not repeat.
6 updates a day
Your transactions sync every four hours, without the app open. By the time you come in, it is all there.
You disconnect whenever
From the app, in one tap. We stop receiving transactions and the access is deleted.
Frequently asked questions
Connect and stop logging
It takes under two minutes and it is read-only. If it does not convince you, disconnect it.