How To See All Your Bank Accounts In One Place

Most people do not keep all their money in one place. You might have a transaction account with one bank, a savings account somewhere else, a credit card, a home loan, and a few regular payments coming from different accounts.

That can make everyday money feel harder than it needs to be.

Start with your existing accounts

Before choosing any app, make a simple list of the accounts you want to understand:

• transaction accounts
• savings accounts
• credit cards
• loans
• accounts used for bills
• accounts used for shared expenses

Moneysmart suggests reviewing bank statements or app transactions over the past few months so you can see both regular and occasional costs.

Use CDR where available

In Australia, the Consumer Data Right gives people more choice and control over data sharing. For banking, CDR can let you choose to share eligible bank data with a provider so that a service can show your information in a more useful way.

The official CDR site says data is transferred using secure automated technology and that the process is opt-in.

How Cove Money helps

Cove Money uses read-only CDR bank connections through Fiskil. When you authorise eligible accounts, Cove Money can bring connected accounts, balances, transactions, bills, cashflow, and insights into one calm view.

Cove Money cannot move money, make payments, or change anything in your bank. It also does not receive or store your bank login credentials.

What to check before connecting an app

Before authorising data sharing, check what data is requested, how it will be used, who can access it, how long access lasts, and how to withdraw consent.

Seeing accounts in one place can make review easier, but the numbers still depend on what accounts you connect and what data is available.

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This article is general information only and does not constitute personal financial advice. Consider seeking advice from a licensed adviser before acting.