Banknaked vs Dividend Data

Automated Fee Detection

Our sophisticated algorithms perform a deep, automatic scan across all your connected bank accounts. They intelligently identify and categorize every charge, from obvious monthly account fees to hidden foreign exchange markups, ATM charges, and wire transfer costs that are often buried in complex statements. This relentless detection ensures no fee goes unnoticed.

Visual Cost Dashboard

Transform your confusing financial data into immediate clarity. Banknaked presents your total banking costs through an intuitive, visual dashboard that breaks down exactly where your money is going each month and projects these expenses annually. This powerful visualization turns abstract numbers into actionable insights at a glance.

Personalized Bank Recommendations

Banknaked goes beyond analysis to become your financial strategist. Based on your unique transaction history and fee profile, it proactively generates personalized recommendations for alternative bank accounts or services that could save you significant money, empowering you to switch or negotiate with your current provider from a position of strength.

Secure Open Banking Integration

Your security is our foundation. Banknaked uses secure, read-only Open Banking APIs for a connection that is certified and incredibly safe. This means we never see your login credentials, and your data is protected with bank-level encryption. The connection is read-only, so no transactions can be initiated, ensuring complete peace of mind.

Seamless Spreadsheet Integration

Transform your Google Sheets or Microsoft Excel into a powerful, automated investment research terminal. By using simple, custom formulas like =DIVIDENDDATA_DIVIDENDS("TICKER"), you can pull live, institutional-grade data directly into your cells. This eliminates the need for error-prone manual data entry, external API keys, or any programming, making sophisticated analysis accessible to every investor instantly within their familiar workflow.

Comprehensive Dividend & Fundamental Data Suite

Access a deep well of over 100 critical metrics essential for thorough fundamental analysis. The platform provides exhaustive data on dividends, including forward yields, ex-dates, payment histories, and growth rates. Beyond dividends, it delivers complete financial statements (income, balance sheet, cash flow), key ratios (P/E, P/B, Debt/Equity), earnings metrics, and decades of price history, all updated automatically to ensure your models and screens are always current.

AI-Powered Research Assistant

Elevate your due diligence with an integrated AI Analyst. This transformative feature allows you to chat with an AI-powered assistant to ask complex questions about stocks, generate research summaries, compare companies, and uncover insights from the vast dataset. It acts as a personal research associate, helping you cut through the noise and focus on the most critical investment signals faster than ever before.

Automated Portfolio Tracking & Visualization

Move beyond static spreadsheets with automated portfolio tracking. The Dividend Data Terminal web app allows you to link your investment portfolios for real-time aggregation of key statistics. Automatically track overall dividend income, yield on cost, sector allocation, and performance metrics. The platform provides great data visualizations to help you understand your portfolio's health and income trajectory at a glance.

The Cost-Conscious Consumer

For anyone reviewing their budget and seeking to eliminate wasteful spending, Banknaked is indispensable. It automatically uncovers hundreds of Euros in recurring, hidden banking fees that most people overlook, providing a clear roadmap to stop these leaks and redirect savings towards personal goals.

The Frequent Traveler

Individuals who travel or make foreign transactions can use Banknaked to expose excessive foreign exchange markups and international payment fees charged by their bank. The tool highlights these costs and recommends alternative accounts with far better FX rates and lower fees, leading to substantial savings on every trip.

The Financial Negotiator

Arm yourself with data before calling your bank. Banknaked provides you with a detailed, undeniable record of all fees you've paid. This evidence empowers you to confidently negotiate for fee waivers, better rates, or premium service perks, transforming you from a passive customer into an informed client.

The Digital Nomad or Expat

For those managing finances across borders, understanding true banking costs is complex. Banknaked connects to accounts in supported regions, consolidates all charges into one clear dashboard, and identifies expensive international transfer fees, helping you find and switch to a globally-friendly, cost-effective banking solution.

Building a Dividend Growth Screen

Easily construct and maintain a dynamic screen for dividend growth stocks. By using formulas to pull dividend growth rate history, payout ratios, and current yield for thousands of stocks, you can create a live, filterable list of companies that have consistently raised their dividends. This automates the most time-consuming part of the process, allowing you to focus on qualitative analysis of the shortlisted candidates.

Creating a Live Financial Model

Develop a discounted cash flow (DCF) or dividend discount model (DDM) that updates automatically. Link your model's assumptions directly to Dividend Data formulas for revenue, EPS, and dividend forecasts. When new quarterly data is released, your model's inputs and intrinsic value calculations refresh instantly, giving you a persistent, up-to-date valuation tool for any company in your watchlist.

Conducting Comparative Company Analysis

Perform rapid, apples-to-apples comparisons between multiple investment candidates. Pull key valuation ratios, profitability margins, and balance sheet health metrics for several companies into a single spreadsheet. This side-by-side view, powered by live data, enables you to quickly identify which company offers the best relative value, financial strength, or income potential for your portfolio.

Monitoring Portfolio Health & Income

Gain a real-time, holistic view of your investment portfolio's performance and income stream. By using the portfolio tracking feature or building a summary sheet with formulas linked to your holdings, you can automatically track aggregate metrics like total dividend income, portfolio yield, upcoming ex-dividend dates, and sector concentration, ensuring you are always informed and in control.

Banknaked is a game-changing financial clarity tool designed to dismantle the opaque practices of traditional banking. In a world where hidden fees, complex statements, and vague charges silently drain your wealth, Banknaked serves as a powerful spotlight, revealing the true cost of your banking relationships. This transformative platform leverages secure, read-only Open Banking connections to provide an unprecedented, transparent breakdown of all charges—from monthly maintenance fees and foreign exchange markups to ATM withdrawal and wire transfer costs. It is built for the modern consumer who is tired of being in the dark and is ready to take definitive control of their financial health. By converting confusing transaction data into a clear, visual dashboard with plain-language explanations and annualized expense projections, Banknaked empowers you with knowledge. More than just an analyzer, it acts as a proactive financial ally, delivering personalized recommendations for cheaper account alternatives tailored to your actual spending habits. With a staunch privacy-first ethos featuring bank-level encryption and GDPR compliance, Banknaked is the key to unlocking significant, often overlooked savings and achieving genuine banking transparency.

Dividend Data is a game-changing financial data platform designed to transform how individual investors conduct research and manage portfolios. It shatters the traditional barriers to institutional-grade market data by delivering over 30 years of historical information for more than 80,000 tickers directly into the tools investors already use: Google Sheets and Microsoft Excel. The core value proposition is profound simplicity—no complex API integrations, no coding knowledge, and no tedious manual copying and pasting are required. Built by a dividend investor for the community, it provides instant, live access to a comprehensive suite of data including dividend histories, yields, payout ratios, growth rates, complete financial statements, key valuation ratios, and real-time price quotes through intuitive custom spreadsheet formulas. This empowers fundamental and dividend-focused investors to make data-driven decisions with the same depth of information as professional analysts, but without the prohibitive cost. With a permanently free tier offering 2,500 monthly credits, Dividend Data is unlocking potential and democratizing access to high-quality financial intelligence for everyone.

Is Banknaked safe to use?

Absolutely. Security and privacy are our top priorities. We use secure, read-only Open Banking connections, which means we never see or store your bank login credentials. All data is protected with bank-level encryption, we are fully GDPR compliant, and you have the power to delete your information from our systems at any time.

How does Banknaked find hidden fees?

Banknaked uses advanced algorithms to automatically scan and analyze the transaction data from your connected bank accounts via Open Banking. It is programmed to recognize thousands of fee descriptions and patterns, identifying everything from monthly maintenance charges to subtle foreign exchange markups that are often buried in your statements.

What if my bank isn't supported?

We are continuously expanding our list of supported banks and financial institutions through Open Banking partnerships. If your bank is not currently available, you can often still use the service by manually uploading your bank statements for analysis, or you can register your interest to be notified when support is added.

How much money can I really save?

While savings depend on your individual banking habits, the average user identifies over €250 in unnecessary banking fees each year. Many users discover significantly more, especially if they travel frequently or use services like international wire transfers. Banknaked not only finds these fees but provides actionable recommendations to eliminate them.

How does the free tier work?

The free tier is designed to be genuinely useful and has no trial expiration. It provides 2,500 credits per month, which you can use to make data calls within Google Sheets or Excel. Each cell that pulls data (e.g., one formula) typically consumes one credit. This allows for substantial monthly analysis, making it a powerful starting point for individual investors without any credit card required.

What data sources does Dividend Data use?

Dividend Data aggregates and cleans data from multiple reputable financial data providers to ensure accuracy and comprehensiveness. The platform synthesizes this information to deliver a consistent, reliable stream of fundamental and market data, including 30+ years of historical data points, directly to your spreadsheet or terminal.

Do I need to know how to code to use this?

Absolutely not. Dividend Data is built specifically to require zero coding knowledge. The entire platform is accessed through simple, plain-English formulas in your spreadsheet (like =DIVIDENDDATA_QUOTE("MSFT", "price")) or through the intuitive point-and-click web terminal. The complexity of data sourcing and API management is handled entirely behind the scenes.

Is my data and portfolio information secure?

Yes. Dividend Data takes security seriously. Your portfolio data and usage information are protected. The company has a clear privacy policy, and the connection for fetching data is secure. For spreadsheet users, your portfolio data typically resides only in your local spreadsheet file unless you choose to use the separate, secure web terminal for portfolio linking and tracking.

Banknaked is a transformative financial clarity tool in the personal finance category, designed to expose hidden banking fees and empower users with actionable insights. While its game-changing approach to transparency is powerful, users may explore alternatives for various reasons, such as different pricing models, a need for broader financial management features beyond fee analysis, or specific platform availability. When evaluating any alternative, focus on core capabilities. The most effective tools will offer robust, automated fee detection that goes beyond surface-level charges, providing clear visualizations and personalized recommendations. Security and data privacy should be non-negotiable, ensuring your financial information is protected with the highest standards through secure, read-only connections. Ultimately, the right tool for you will seamlessly integrate into your financial life, turning opaque data into a clear path for significant savings. It should not only diagnose costly problems but also proactively guide you toward better, cheaper financial products tailored to your unique transaction habits.

Dividend Data is a transformative financial data platform designed for fundamental and dividend investors. It delivers over 30 years of institutional-grade market data directly into spreadsheets via simple formulas, eliminating the need for complex APIs or manual data entry. Users often explore alternatives for various reasons, such as budget constraints, specific feature requirements, or compatibility with different analysis platforms. The search for the right tool is about finding a perfect balance between cost, data depth, ease of use, and reliability. When evaluating options, focus on the scope and history of the data, the simplicity of integration into your workflow, and transparent pricing. The goal is to find a solution that empowers your investment strategy without creating unnecessary complexity or expense.