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Our core choice

No bank connection.
It's not a flaw. It's the whole point.

Patrice never asks for your banking credentials. You enter your wealth yourself, like a tax return. That's it.

Why this choice

Three reasons. All deliberate.

Reason 1 · Privacy

Your data stays with you.

No connection to your bank: no copy of your statements passes through our servers. Patrice doesn't know how much you earned this month — unless you enter it.

Reason 2 · Reliability

No gateway that breaks.

Automatic bank connections are fragile: one change on the bank's side and everything breaks. We've seen too many aggregators shut down. Patrice depends on no one to keep working.

Reason 3 · The right pace

Once a month is enough.

Your wealth doesn't need watching every hour. Once a month, like a visit to your bank adviser, is exactly the right tempo — and Patrice isn't one more notification.

Our reference

Like Proton next to Google.

The vault you keep the key to.

Proton encrypts your messages end to end: even they can't read them. Patrice doesn't connect to your banks: we can't see what we don't store.

A little less convenient on paper. Far cleaner over time.

In practice

How do you enter your data? Three ways.

None goes through your bank.

1

Guided manual entry

Short forms: an account, a balance, a date. About 30 seconds per line.

PEA · €68,400 · as of 31/05/2026
2

Plain language (AI)Premium

You write in plain words; Patrice reads, sorts and confirms. The fastest way to enter data.

« I have €12,000 in my PEA at Bourse Direct. »
3

File import (CSV)

You download the statement from your bank, then drop it into Patrice. Everything stays on your side.

pea-statement-may.csv → drop
The objections we hear

And our answers, no spin.

5 to 10 minutes a month once you're up to speed. Far less than your three current Excel tabs, which you have to retype by hand anyway to cross-check.

You only fool yourself. Patrice isn't a tax return: it's your wealth mirror. No one else looks at it.

They're free because they monetise your data with banks and insurers. Patrice is paid — €49/year — because you're the customer, not the product.

Yes, they made a different choice, and we respect it. But we don't define value the same way: ours is lasting ten years without asking your bank for permission to exist.
Privacy, in practice

The « how », in detail on the Security page.

  • Hosting in Europe, GDPR-compliant
  • Your data exportable at any time (CSV / JSON)
  • Account deletion in one click
See the Security page

Convinced? Not convinced?

The demo asks for nothing — not your bank, not your email.