Question 1

How do I get started with 10Cent?

Accepted Answer

Simply create an account, upload a CSV export from your bank, and our AI will automatically analyze your transactions. The whole process takes less than 2 minutes.

Question 2

Which banks do you support?

Accepted Answer

We support CSV exports from any bank. Simply download your transaction history as a CSV file and upload it to 10Cent. Direct bank connections are coming soon.

Question 3

Is my data safe?

Accepted Answer

Absolutely. We use bank-grade 256-bit encryption, never store your banking credentials, and are fully GDPR compliant. Your data is yours.

Question 4

How does the AI categorization work?

Accepted Answer

Our AI analyzes transaction descriptions to automatically categorize your spending. It learns from your corrections and gets smarter over time, achieving 85%+ accuracy.

Question 5

What is the swipe feature?

Accepted Answer

The swipe feature lets you quickly review transactions. Swipe right to approve, left to exclude. It makes reviewing your finances as easy as using a dating app.

Question 6

How do you detect subscriptions?

Accepted Answer

Our AI looks for recurring patterns in your transactions - same amount, same vendor, regular intervals. We can find subscriptions you may have forgotten about.

Question 7

What does the free plan include?

Accepted Answer

The free plan includes 1 bank account, basic transaction tracking, and limited AI features. Perfect for trying out 10Cent.

Question 8

Can I cancel anytime?

Accepted Answer

Yes! You can cancel your subscription at any time. You'll keep access until the end of your billing period.

Question 9

Do you offer refunds?

Accepted Answer

We offer a 14-day money-back guarantee for new subscribers. If you're not satisfied, contact us for a full refund.

Question 10

Do you sell my data?

Accepted Answer

Never. We will never sell your personal or financial data to third parties. Your data is used only to provide our services.

Question 11

Can I delete my data?

Accepted Answer

Yes. You can delete your account and all associated data at any time from your profile settings. Data is removed within 30 days.

Question 12

Where is my data stored?

Accepted Answer

Your data is stored in secure, GDPR-compliant data centers within the European Union.

Question 13

What is Open Banking and is it safe?

Accepted Answer

Open Banking is a regulated framework that lets you securely share your bank data with trusted apps like 10Cent. It uses read-only access, meaning we can never move your money. All connections are encrypted and regulated by the EU PSD2 directive.

Question 14

How much money can 10Cent save me?

Accepted Answer

On average, 10Cent users discover €100+ per month in forgotten subscriptions, duplicate charges, and spending leaks. Your actual savings depend on your spending habits, but most users find at least 3 forgotten subscriptions in their first scan.

Question 15

How long does it take to see savings?

Accepted Answer

You can see your first savings report within 5 minutes of uploading your bank transactions. Our AI instantly identifies subscriptions, duplicates, and spending patterns. Ongoing savings grow as you use the swipe feature to refine your budget.

Question 16

How does 10Cent compare to manual budgeting with spreadsheets?

Accepted Answer

10Cent automates what takes hours manually. Our AI categorizes transactions with 85%+ accuracy, detects subscriptions automatically, and flags anomalies you would likely miss. The swipe interface makes reviewing 100+ transactions take minutes instead of hours.

Question 17

Is 10Cent available in my country?

Accepted Answer

10Cent is available across the EU and EEA. You can use CSV uploads from any bank worldwide, and our Open Banking integrations cover major European banks. We are expanding coverage continuously.

Question 18

Can I use 10Cent for business expenses?

Accepted Answer

Yes! Our Entrepreneur plan at €29.99/month is designed for freelancers and small business owners. It includes expense categorization for tax purposes, receipt scanning, and separate business and personal tracking.

Question 19

Does 10Cent work with joint or shared bank accounts?

Accepted Answer

Yes. You can import transactions from joint accounts and our Family plan at €25.99/month lets up to 5 family members collaborate on shared finances with individual privacy controls.

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