Does Snoop work without connecting a bank account?

Barely. Snoop's own help says an unconnected account is limited to basic Snoops and switching services. The Income Tracker works entirely from a CSV you download.

Can I import a CSV into Snoop?

No. Snoop has no CSV import. Manual accounts exist on Snoop Plus but only hold a balance you update yourself.

Is there a Snoop web app?

No, Snoop is iOS and Android only. The Income Tracker runs in any browser and can be installed on phone or desktop.

The Income Tracker vs Snoop

By The Income Tracker · Updated 8 September 2026 · Facts checked 8 September 2026

The short answer

Snoop is a free open-banking app whose whole value is the nudges it generates from your connected accounts; without a connection it offers only basic tips. The Income Tracker is the opposite shape: no connection, a CSV import, and a ledger you control. Snoop has no web app and no CSV import; we have no automatic feed.

Side by side

	The Income Tracker	Snoop
Price	Free. No tiers, no trial clock.	Free; Snoop Plus £5.99 a month or £47.99 a year
Bank connection	None needed. Import a CSV you download yourself; open banking is opt-in and off by default.	Required for anything useful. Snoop's own help: without a connected account you get only basic Snoops and switching services.
Manual entry and CSV import	Yes, free. CSV, OFX, QIF and pasted text.	No CSV import. Manual accounts are balance-only and need Snoop Plus.
Where your data lives	In your browser on your device. Optional sign-in to sync.	On Snoop's servers, pulled from your banks.
Platforms	Web, installable on phone and desktop. iOS app in development.	iOS and Android only; no web app.
Money-saving prompts	A recurring list you review monthly, plus calculators and guides.	Its core feature: bill and subscription nudges, switching offers.
Custom categories and export	Free.	Paid (Snoop Plus).

Pick Snoop if

You want an app that watches your accounts and tells you where to save.
You are comfortable connecting every account via open banking.
You only ever budget on your phone.

Pick The Income Tracker if

You want to budget without connecting anything.
You want to import files, use a computer, or keep the data on your own device.
You would rather review your own recurring list than be sent nudges.

Where Snoop wins

Effort. Connect your accounts and Snoop reads them daily, spots the bill that went up, and points you at a cheaper deal. For someone who wants prompting rather than a ledger, that is a good fit, and the core is free.

Where The Income Tracker wins

Privacy and flexibility. No open banking, no app-only limitation, no paywall on custom categories or export. The recurring view does the subscription-spotting from your CSV, and the guides cover cancelling properly. It runs on a laptop as happily as a phone, and installs as an app on both.

The Income TrackerTry the free, no-bank-login alternative to Snoop.

Open the tracker →

Frequently asked questions

Does Snoop work without connecting a bank account?: Barely. Snoop's own help says an unconnected account is limited to basic Snoops and switching services. The Income Tracker works entirely from a CSV you download.
Can I import a CSV into Snoop?: No. Snoop has no CSV import. Manual accounts exist on Snoop Plus but only hold a balance you update yourself.
Is there a Snoop web app?: No, Snoop is iOS and Android only. The Income Tracker runs in any browser and can be installed on phone or desktop.

Sources and checking

Facts on this page were last checked on 8 September 2026 against:

Spotted something out of date? Tell us and we will fix it.

Best free budgeting apps (UK, 2026)Ten apps, honest verdicts, including where we lose How to find and cancel unused subscriptionsFind them in your statement, then cancel the right way vs EmmaEmma's polish and feeds, or free CSV import Budget app, no open bankingPrivate by design