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Cheq

Paid

★ 1 • Updated Aug 27, 2026, 09:17 PM

Cheq is a paid web-based service that turns Canadian bank CSV exports into a clear monthly spending report.

Use Cases ▼

Generate a monthly spending report from a Wealthsimple CSV

Categorize expenses from a Scotiabank CSV export

Preview money in, money out, and top categories before paying

Get a written insight into personal spending patterns

Separate e-Transfers from everyday lifestyle spending

Print or save a PDF report for personal budgeting

Identify top merchants and transaction categories

What Problem It Solves ▼

Cheq helps Canadians understand their monthly spending from a bank CSV export without giving up banking credentials or committing to a subscription. It transforms a messy CSV into a clear report of inflows, outflows, categories, merchants, and a written take—for a one-time $9 fee.

Key Features ▼

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No bank login or credentials required

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Privacy-friendly – CSV is parsed locally and not stored

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One-time fee with no subscription

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Supports multiple Canadian banks and generic CSVs

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Clear, readable report with categories and a written summary

Overview

Cheq is a paid web-based service that turns Canadian bank CSV exports into a clear monthly spending report. For a one-time fee of $9 CAD, users upload a CSV file from Wealthsimple, Scotiabank, or any generic bank export with date, description, and amount. The service parses the file directly in the browser session, requiring no bank login or credentials.

Full Description ▼

The report provides a straightforward overview of money in and money out, categories for everyday spending, top merchants, and a short written insight. It distinguishes e-Transfers from lifestyle spending, so rent or transfers don't distort the spending picture. Users can preview a sample report and see key metrics before paying to unlock the full breakdown.

Cheq emphasizes privacy: the CSV file is not stored on servers, and the service does not use third-party banking aggregators like Plaid. Stripe processes the payment separately, so the payment provider does not see transaction details. The service is designed for Canadians, with amounts in CAD and Canadian date and English conventions.