Accounts & Connecting Your Bank

Your Accounts page is home base for every account you have — and, when you're ready, the place where Misto can gently pull in transactions straight from your bank.

How-To Guides

How to see your whole money picture

Your Accounts page brings every account together, so you can take it all in at a glance.

1. In the sidebar, click Accounts.
2. At the top, read your Total — every account added together and converted into your display currency.
3. Browse the cards below; each shows the account's name, type, balance, color, and a Private or Joint badge.
4. If an account is in another currency, look for the "≈" line showing its converted amount.

How to add an account

Adding an account is the first step to seeing your whole money picture in one place.

1. In the sidebar, click Accounts.
2. Click Add account in the top-right.
3. Type a Name, pick a Type (like Checking, Savings, Credit Card, or 401(k)), and enter your current Balance.
4. Choose Joint (Shared with Household) or Private (Only Visible to Me), pick a Currency, and choose a color.
5. Click Create — you'll see "Account created," and you're done.

✨ Good to know: Prefer not to link a bank? You can add and update accounts by hand, free, forever. And if you add a credit card, Misto stores its balance as a negative automatically — that's completely normal.

How to edit or delete an account

Life changes, and your accounts can change right along with it.

1. On the Accounts page, find the card you'd like to change.
2. To update it, click its pencil icon, adjust any detail, then click Update.
3. To remove an account instead, click its trash icon.
4. Confirm at Delete account and its transactions? to finish.

⚠️ Heads up: Deleting an account also removes that account's transactions, and there's no undo — so take a moment to double-check before you confirm.

How to reorder your account cards

Put the accounts you check most right up top — the order is yours to set.

1. On the Accounts page, find a card's grip handle.
2. Drag the card to where you'd like it.
3. As you drag, the card dims with a dashed gold outline so you can see it moving.
4. Drop it in place — you'll see "Accounts custom order updated," and Mistos remembers it on this device.

How to capture from your bank on your phone (Premium)

On the phone app, Misto can pull in recent transactions for you — you do the signing in, Misto does the tidying up.

1. On your phone, open the Accounts page.
2. Open the Select bank dropdown and pick your bank — Chase, Bank of America, Amex, Wells Fargo, Barclays (UK), or HSBC (Intl) — or choose the custom option to type in your bank's own web address.
3. Tap the gold button to open your bank.
4. Your bank's real website opens in the secure in-app browser. Log in there, on your bank's own page.
5. Once you're viewing your transactions, tap the capture button.
6. Misto reads the visible rows and confirms ("Captured N transactions from this page…").
7. Close the browser to open Review & Import.
8. For each batch of captured rows, choose a target account.
9. Untick any rows you'd rather skip, and fix any date, description, or category as needed.
10. Tap Import [N] items — cue the confetti, and "Imported N transactions into your account!"

💡 Tip: You sign in on your bank's own real page, on your own device. Mistos never sees, stores, or sends your bank login — Misto only reads the transactions you choose to capture.

✨ Good to know: Automatic bank sync is part of Misto's Premium — unlock it anytime on the Upgrade screen. Prefer not to? Importing a downloaded statement does the same job, free, forever.

How to capture from your bank on a computer (Premium)

The same capture, browser-style: your bank opens in its own tab, and a one-time bookmarklet does the reading — right in your browser, so nothing ever leaves your device.

1. On the Accounts page, pick your bank from the Select bank dropdown (or enter your bank's web address) and click Open my bank & capture.
2. Your bank's real website opens in a new tab, and Misto shows a short checklist.
3. One-time setup: drag the Misto Capture button to your browser's bookmarks bar (or click or copy the link and paste it into a new bookmark's address).
4. In the bank tab, log in on your bank's own page and go to your transactions view.
5. Click the Misto Capture bookmark. A small note confirms how many transactions were read and copied.
6. Come back to Misto and paste into the box — the rows land in Review & Import automatically.
7. Choose a target account for each batch, tidy anything you like, and click Import [N] items.

💡 Tip: No bookmarklet handy? Select and copy the transaction rows on your bank's page as plain text and paste them into the same box — Misto parses those too.

How to turn on AI Reading Assist (Premium, phone only)

Now and then you'll connect a bank Misto hasn't learned to read yet. On the phone, Misto can ask for a little help — and it's entirely your call.

1. The first time you connect an unfamiliar bank, Misto asks "Help Misto read [your bank]?"
2. Read what would be shared: a plain, anonymized outline of how the page is laid out — never your amounts, merchant names, or balances.
3. Tap Share structure only to help, or No thanks to skip. Either way, Misto remembers your choice for that bank.
4. Curious what's been shared? Tap View data shared with Misto AI to see every snippet, anytime.

How Misto gets better at reading your bank (Premium)

The first time Misto reads a bank cleanly, it quietly remembers the shape of that page — which part is the date, which is the description, which is the amount — right on your device. So the next capture from that bank is faster and more reliable, with nothing to set up. You can also choose to pass that shape along so other members at the same bank benefit.

1. Capture your transactions as usual.
2. On the Review & Import screen, if you'd like to help, tick Help Misto read this bank for everyone.
3. That shares only the page's layout — never your transactions, amounts, balances, or login. It's off unless you turn it on, and Misto remembers your choice.

✨ Good to know: The layout Misto learns lives on your device by default. Turning on that tick is the one time Misto sends anything — and it's only the map of where things sit on the page, checked by a person before it ever helps anyone else.

How to enter transactions by hand when capture comes up empty

Some bank portals are shy, and that's okay — you can always bring transactions in yourself.

1. In the bank-connect area, tap Enter transactions manually instead.
2. Type or paste your transactions into the box, one per line (for example: 07/08/2026 SAFEWAY GROCERS -54.20).
3. Make sure each line has a description and an amount with decimals.
4. Tap Parse & Review.
5. Your rows appear in the same Review & Import table, ready to check and import.

How to try Mistos with sample data (and switch to the real thing)

Curious how everything feels before you bring in anything real? The sample (demo) accounts are there so you can explore safely.

1. If your dashboard shows the Preview mode banner, you're looking at sample data — explore freely; nothing there is real.
2. When you're ready for your own numbers, click Connect a real bank on the banner — it clears the demo accounts so you can start fresh.
3. Then bring in the real thing: live capture on your phone or computer (Premium), or import a downloaded statement — free, on any device.

How to link Google sign-in to your account

Linking Google means you can get in with either your email and password or a single tap on Google — whichever is handy.

1. On the sign-in screen, choose Continue with Google using the same email as your existing account.
2. Misto shows a Link your Google account step.
3. Enter your password once, then click Link & sign in.
4. You'll see "Google linked — either sign-in works from now on." That's it.

✨ Good to know: You can manage this anytime from your Profile page under Linked accounts.

You'll also find the Portfolio Fee Analyzer on the Accounts page — a quick way to see what fund fees cost you over time. It's covered fully in the Retirement Planning module.

Frequently Asked Questions

"Why don't I see the bank-connect option?"

Automatic bank sync is part of Misto's Premium, so on a free plan you'll see a locked Premium card with a lock icon instead of the sync tool. Tap the Upgrade link there whenever you're ready. And right beside it, importing a downloaded statement stays completely free — same result, no plan required.

"Is my bank password safe?"

Yes — and this is one of the things we care about most. You always sign in on your bank's own real page — in the secure in-app browser on your phone, or in your bank's own browser tab on a computer. Mistos never sees, stores, or sends your bank login. Misto only reads the transactions you choose to capture, nothing else.

"Why is my credit card showing a negative balance?"

That's on purpose. Credit cards and other debts (the "Other Liability" type) show as a negative number in a soft terracotta, so your Total reflects what you actually owe. It isn't an error, and it's never a red alarm — just an honest picture. Mistos stores these balances as negative automatically when you add them.

"Does bank capture work on my computer, or only on my phone?"

Both. On your phone, your bank opens in a secure in-app browser with a capture button. On a computer, your bank opens in its own browser tab, and the one-time Misto Capture bookmarklet reads your transactions page for you — then you paste the result into Misto. Either way, you sign in on your bank's own page, and your login never touches Mistos.

"The capture didn't find any transactions — now what?"

No worries, this happens sometimes. First, make sure you're on your bank's transactions view rather than a summary page, then tap capture again. If it's still empty, tap Enter transactions manually instead and type or paste your rows — Misto will drop them straight into Review & Import. It's also worth trying importing a downloaded statement — that reads a file from your bank and works every time.

"What does 'Help Misto read this bank for everyone' actually share?"

Only the page's layout — a small map of which spot holds the date, which holds the description, and which holds the amount. It never includes your transactions, amounts, balances, merchant names, or login. It's off unless you turn it on, you can turn it back off anytime, and a Misto reviewer checks each layout before it helps another member. The point is simple: once one person's device figures out how to read a bank, nobody else at that bank has to.