Banknaked vs Dokta

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.

AI Document Analysis in <60s

Stop manually typing data like it's 1999. Just drag and drop a photo, scan, or PDF of any invoice, quote, or contract. Dokta's AI engine goes to work, using OCR and smart classification to read the doc, figure out what it is, and extract key info like amounts, due dates, and client details in less than a minute. It's like having a super-fast, hyper-accurate intern who never sleeps.

Automated Invoicing & Smart Quotes

Creating invoices and quotes is a drag. Dokta makes it stupid simple. Generate professional docs in a few clicks. For the freelance devs and consultants, set up day-rate contracts with automatic monthly invoicing so you get paid on autopilot. Plus, send quotes with a slick online acceptance link and convert them to an invoice with one click when the client says yes. Easy money.

Real-Time Cash Flow Dashboard

Forget spreadsheets. Dokta gives you the big picture instantly. See your billed revenue, what's actually been paid, what's still outstanding, and your VAT situation all in one glance. It even shows a sweet 12-month graph so you can track your financial glow-up (or identify a slump before it's a problem). Know your numbers, always.

Anomaly Detection & Client Intel

Dokta's got your back. Its AI doesn't just read; it watches for shady stuff. It'll flag if a client's IBAN suddenly changes, spot duplicate invoices, catch inconsistent VAT, or notice missing numbering. It also auto-enriches client info with SIRET data and even does payment scoring, so you know who pays on time and who's a bit of a headache.

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.

The Freelance Developer / Consultant

You're crushing code or strategy, not admin. Set up a recurring day-rate contract in Dokta, and it automatically generates and sends your invoices every month. It tracks payments and sends polite, pro reminders for you. You get to focus on deep work while Dokta handles the billing paperwork, ensuring you actually get paid for all those hours.

The Creative Freelancer (Designer, Photographer)

Your workflow from pitch to payment is messy. Dokta cleans it up. Send a visually appealing quote via a link, get client acceptance online, and with one click, turn that accepted quote into a finalized invoice. Manage project-based billing seamlessly, track which clients have paid for your latest masterpiece, and automate follow-ups without the awkwardness.

The Auto-Entrepreneur / Micro-Business

You need simple, compliant tools without the fuss. Dokta creates URSSAF-friendly invoices, tracks your income against the micro-entrepreneur ceiling so you don't stress at declaration time, and sends you alerts for upcoming tax deadlines. It’s the straightforward, no-headache system to keep your solo venture organized and above board.

The Growing Small Business

As your team or client list grows, the document chaos multiplies. Dokta becomes your central command. Dump all incoming bills and outgoing invoices into it. Get a crystal-clear, real-time view of company cash flow, automate payment reminders to improve collection, and have a secure, searchable database for every client and supplier interaction.

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.

Alright, solo hustlers and small biz squads, listen up. Tired of your Sunday nights being devoured by invoice drama and chasing down payments? Meet Dokta, your new AI-powered sidekick that's basically a brain transplant for your document chaos. This ain't your grandpa's filing cabinet. Dokta is a slick, AI-driven platform built for the grinders: freelancers, solo-preneurs, auto-entrepreneurs, and SMBs who'd rather be doing the work than managing the paperwork. Here's the vibe: you drag and drop any document - invoice, quote, contract, a napkin sketch, whatever - and Dokta's AI (powered by Claude from Anthropic, no less) reads, classifies, and pulls out all the crucial deets in under 60 seconds. Boom. It then takes that intel and automates your entire document lifecycle. Create pro invoices and quotes, track payments, send automated "hey, remember me?" reminders for late invoices, manage contracts and deadlines, and even spins up tasks from your docs. It builds your client database automatically, gives you a real-time cash flow dashboard so you know exactly how you're eating, and exports everything to CSV for your accountant. With a free tier (15 docs/month, no card needed) and plans from €9, it's a no-brainer. Your docs, managed by AI, so you can get back to the stuff that actually makes you money.

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.

How fast is the AI analysis really?

It's legit fast. We're talking under 60 seconds from the moment you drop a document until Dokta's AI has read it, figured out if it's an invoice or a contract, and pulled out all the key details like the total amount, due date, and who it's from. It uses Claude AI and advanced OCR to make it happen at lightning speed.

Is my data secure with Dokta?

Absolutely. They take this super seriously. Your data is 100% GDPR compliant and is hosted on servers in Europe (AWS Paris). Everything is encrypted with AES-256, which is bank-level security. Your documents and client info aren't being sold or used to train random AI models; they're kept safe and sound.

What's the deal with the free plan?

The free "Découverte" plan is a great way to kick the tires. You get 15 document analyses per month (docs up to 5 pages), access to the free invoice generator, and an unlimited client database. No credit card required to start. It's perfect for testing if Dokta fits your workflow before committing to a paid plan.

Can Dokta handle documents in different languages?

While the primary focus from the provided info is on the French market (SIRET enrichment, URSSAF), the AI's ability to read and extract data isn't limited to one language. It can analyze documents in various languages, but for specific regional features like tax form automation, it's optimized for the systems it mentions (like French auto-entrepreneur rules).

Alright, so you've heard about Banknaked, the app that acts like a financial detective, sniffing out all those hidden fees your bank hopes you'll never see. It's basically your digital wingman in the business and finance world, giving you the receipts on where your money is actually going. People might look for other options for all sorts of reasons. Maybe they want a different vibe, need specific features we don't have, or are just curious what else is out there in the money-tracking universe. It's all good, the goal is to stop getting low-key robbed, no matter how you do it. When you're scouting for a similar tool, keep your eyes peeled for a few key things. You want something that's dead simple to use, actually connects to your bank safely, and doesn't just show you the problem but also helps you fix it with smart, personalized advice. The whole point is to get clarity without the headache.

So you're vibing with the whole "AI does my boring paperwork" thing but wondering what else is out there? You're not alone. Dokta is a total game-changer for freelancers and small crews, an AI doc wrangler that automates your invoices, quotes, and contracts so you can stop drowning in PDFs. It's like having a robot intern who actually knows what they're doing. People hunt for alternatives for all sorts of reasons. Maybe the pricing feels a bit steep for your current hustle, or you need a feature that's just not in the deck yet. Sometimes it's about platform loyalty—you live and breathe in a specific ecosystem and need everything to plug right in. Or perhaps you've just outgrown the starter plan and need more firepower. When you're scrolling through the options, keep your non-negotiables front of mind. Think about your budget, the specific document types you battle with daily, and how much automation magic you really need. Don't sleep on data security and where your info is stored, especially if you're dealing with client deets. It's all about finding the right tool that fits your workflow, not the other way around.