Banknaked

Alright, let's cut through the corporate fluff. Your bank is playing you. They're stacking up sneaky little fees—monthly "maintenance," foreign exchange markups, random ATM charges—hoping you're too busy to notice the slow bleed from your account. Enter Banknaked: your financial wingman and ultimate BS detector. We're here to expose the truth. Think of us as an X-ray machine for your bank statement. Using secure, read-only Open Banking (we can't touch your money, promise), we connect to your account and perform a full forensic audit in under two minutes. We'll lay bare every single fee, translate that confusing bank-speak into plain English, and hit you with a scary-accurate projection of what you'll waste this year if you do nothing. But we're not just here to point out the problem. We give you the solution with personalized, data-driven recommendations for cheaper accounts that actually fit your life. Built for anyone who's ever felt their bank statement was hiding something, Banknaked is your tool to stop getting played, negotiate better, switch banks, or finally cancel services you never use. It's time for banking transparency, naked and raw.

Forensic Fee Detection

Our algorithm is your personal financial detective. It automatically scans your connected accounts to sniff out every hidden cost—from monthly account maintenance fees and foreign exchange markups to ATM withdrawal charges and those suspicious "miscellaneous" line items. No more manually decoding your statement; we do the dirty work and present all the evidence in one place.

Crystal-Clear Visual Dashboard

Forget walls of text. We turn your complex fee data into simple, powerful visuals. See a pie chart of where your banking money really goes, a graph of your fees over the last year, and a stark comparison between what you're paying now versus what you could be saving. It's designed for that "oh, damn" moment of clarity.

Personalized Bank Recommendations

We don't just expose the problem and ghost you. Based on your actual spending and fee history, our system hunts down better banking alternatives that match your lifestyle. Get a tailored shortlist of accounts that could save you serious cash, turning our audit into an actionable escape plan from your overpriced bank.

Secure & Speedy Open Banking Setup

Your security is non-negotiable. We use certified, read-only Open Banking connections, so we can only see your transactions—we can never move your money. It's GDPR-compliant, encrypted, and set up in literal minutes. No uploading PDFs, no manual entry. Just secure access and instant insights.

The "Is My Free Account Actually Free?" Check

You signed up for a "free" current account years ago but have a sneaking suspicion it's not so free anymore. Connect with Banknaked to get the naked truth. We'll show you all the sneaky charges that have crept in, like paper statement fees or debit card replacement costs, so you can decide if it's time to jump ship.

Prepping to Negotiate with Your Bank

Walking into a bank negotiation blind is a losing game. Arm yourself with data first. Use Banknaked to get a full report of every fee you've paid. Then, call your bank, cite the exact figures, and use our alternative recommendations as leverage to demand fee waivers or a better deal. Knowledge is power (and savings).

The Annual Financial Health Audit

You check your credit score; why not your banking fee score? Make Banknaked part of your yearly money review. A quick two-minute scan can reveal new fees your bank has introduced or highlight recurring charges for services you stopped using, ensuring your banking setup is still optimized for your life.

The Frequent Traveler or Online Shopper

If you travel abroad or buy from international sites, your bank is likely ripping you off with FX markups and transaction fees. Banknaked isolates exactly how much you're overpaying on foreign exchange and then recommends specialist accounts or cards with far better rates, potentially saving you hundreds.

Is Banknaked safe to use?

Totally. We use secure, regulatory-approved Open Banking (like what powers other fintech apps). This gives us read-only access, meaning we can see your transactions to analyze fees but we CANNOT touch, move, or withdraw your money. Ever. Your data is encrypted and we're fully GDPR compliant.

What banks do you work with?

We connect with virtually all major banks and many smaller ones across Europe through Open Banking APIs. The connection process will show you a list of supported institutions when you go to link your account. If your bank offers online banking, chances are we support it.

How do you make money if the scan is free?

Our core fee audit is completely free. We believe everyone deserves transparency. We may earn a small referral fee if you choose to switch to one of our recommended banking partners through our links. This never influences our recommendations—we always show you the best options for your situation.

What if I find a fee I don't understand?

We've got you! Every fee we detect comes with a plain-English explanation breaking down what it is and why your bank charged it. No jargon. If you're still confused, our blog and resources are full of info to help you become a fee-fighting pro.