Banknaked vs Dividend Data

Automated Fee Detection

Our powerful algorithms automatically scan your connected accounts to identify every hidden cost. We uncover monthly maintenance charges, foreign exchange markups, ATM withdrawal fees, wire transfer costs, and any other charges buried in your statements, giving you a complete and honest picture of your banking expenses without you having to decipher complex documents.

Visual Fee Dashboard

See the true cost of your banking with absolute clarity. Our intuitive dashboard provides clear visualizations that break down exactly where your money is going over the last 12 months. You'll instantly understand your total fees categorized by type, transforming abstract numbers into actionable insights that empower your financial decisions.

Personalized Bank Recommendations

Knowledge is power, but action is transformation. Banknaked doesn't just show you the fees; it shows you the way out. We analyze your unique spending and transaction behavior to provide tailored recommendations for alternative bank accounts or services that could save you significant money each year, putting you in the driver's seat.

Secure & Private Open Banking Integration

Your security and privacy are our foundation. We connect to your bank through secure, certified Open Banking APIs with read-only access, meaning we can never move your money. Your data is protected with bank-level encryption, is GDPR compliant, and you can delete it at any time. Setup is quick, safe, and takes just minutes.

Comprehensive Spreadsheet Integration

Unlock the full potential of your investment analysis without ever leaving your workflow. Dividend Data seamlessly integrates with both Google Sheets and Microsoft Excel through dedicated add-ins. Simply install the tool and gain access to 16 powerful custom functions that pull live data directly into your cells. Type a formula like =DIVIDENDDATA_DIVIDENDS("MSFT") and watch as the forward annual dividend, yield, or ex-date instantly appears. This feature eliminates manual errors, saves countless hours, and keeps your models dynamically connected to the markets.

Deep Historical & Fundamental Data Library

Go beyond surface-level quotes with a deep dive into decades of financial history. Access over 30 years of meticulously organized data for dividends, stock prices, and full financial statements (income, balance sheet, cash flow). This extensive library includes more than 100 key metrics such as PE ratios, EPS, revenue growth, and debt-to-equity ratios. This depth allows you to perform robust trend analysis, calculate long-term growth rates, and build valuation models with confidence, all from within your spreadsheet.

Built-for-Investor Function Suite

This tool is engineered with the specific needs of income and fundamental investors in mind. The custom formulas are designed to fetch exactly what you need. Quickly retrieve the next ex-dividend date, analyze the dividend payout ratio for safety, calculate the five-year dividend growth rate, or compare current yields. This targeted approach means you spend less time wrestling with data and more time executing your investment strategy, armed with precise and actionable information.

Free Tier with Generous Access

Begin your transformation with zero risk and no barriers. Dividend Data offers a permanently free tier that provides 2,500 credits every month, with no trial period expiration. This allows you to thoroughly test the platform, build spreadsheets, and perform significant analysis without ever entering a credit card. It’s a testament to the commitment of empowering all investors, providing professional-grade tools to help you start making smarter decisions today.

The Frequent Traveler

If you travel abroad for work or leisure, you're likely losing money on every transaction through hidden foreign exchange markups and ATM fees. Banknaked identifies these exact costs and recommends accounts with zero FX fees or global ATM reimbursement, transforming how you manage money across borders and putting hundreds back in your pocket.

The Budget-Conscious Student

Students managing tight budgets cannot afford to leak money on unnecessary bank charges. Banknaked helps uncover often-overlooked monthly account fees or transaction costs, providing clear alternatives for student banking packages that are genuinely free, ensuring every euro goes towards your education and life, not your bank's profits.

The Proactive Financial Optimizer

You review your subscriptions and utility bills, so why not your banking? For the consumer committed to optimizing every expense, Banknaked is your essential audit tool. It provides the data-driven evidence you need to confidently switch banks or negotiate with your current one, ensuring you always have the best and fairest deal.

The Small Business Owner

Business accounts often come with a labyrinth of transaction fees, payment processing costs, and monthly charges. Banknaked connects to your business accounts, demystifies these expenses, and highlights more cost-effective banking solutions tailored to your company's cash flow patterns, directly improving your bottom line.

Automated Dividend Portfolio Tracking

Transform a tedious chore into an automated, insightful dashboard. Connect your portfolio holdings to live data feeds to automatically track dividend payment dates, yields, and income projections. Create a master sheet that updates in real-time, showing your estimated annual income, dividend growth trends, and portfolio yield. This automation empowers you to manage your income stream proactively and make timely reinvestment decisions.

Fundamental Stock Analysis & Screening

Conduct deep, fundamental research to uncover high-quality stocks. Use the historical data and financial ratios to screen for companies with strong balance sheets, consistent earnings growth, and sustainable dividend policies. Compare key metrics across sectors or build a discounted cash flow (DCF) model using live data inputs. This use case turns your spreadsheet into a powerful research terminal, helping you identify promising investment opportunities before the crowd.

Financial Modeling & Forecasting

Build dynamic, data-driven financial models for any public company. Pull in ten years of historical income statements, balance sheets, and cash flow statements directly into your Excel model. Use this data to project future revenues, earnings, and free cash flow, creating robust valuations. Because the data updates live, your models remain current, allowing for continuous monitoring and adjustment of your investment theses.

Educational Research & Learning

Accelerate your investment education by working with real market data. Students and new investors can use the free tier to practice calculating financial ratios, understanding dividend timelines, and analyzing company performance over economic cycles. This hands-on experience with professional tools and actual data builds practical skills and confidence far faster than theoretical study alone.

Banknaked is your financial empowerment tool, designed to transform you from a passive account holder into an informed financial advocate. In a world where banks obscure fees within complex statements, Banknaked cuts through the confusion and exposes the truth. It securely connects to your bank accounts via Open Banking to provide a crystal-clear, itemized breakdown of every single charge you incur, from monthly maintenance fees and foreign exchange markups to ATM withdrawals and vague "miscellaneous" costs. But we don't just reveal the problem; we provide the solution. Banknaked calculates your total annualized fees and offers personalized recommendations for cheaper account alternatives that match your actual spending behavior. Built with an uncompromising commitment to privacy, it operates with read-only access, uses bank-level encryption, and allows you to delete your data at any time. Whether you're a frequent traveler tired of FX fees, a student managing a tight budget, or a conscious consumer who believes in transparency, Banknaked is for you. It's time to stop overpaying your bank, take back control, and start saving. Discover what your bank is hiding in less than two minutes.

Stop wasting hours on manual data entry and fragmented research. Dividend Data is your ultimate financial empowerment tool, designed to transform how you analyze and invest in the stock market. This powerful platform brings institutional-grade financial data directly into the spreadsheets you already use and love—Google Sheets and Microsoft Excel. Imagine having over 30 years of historical data for more than 80,000 global tickers at your fingertips, accessible not through complex APIs or endless copying and pasting, but through simple, intuitive custom formulas. Built by a dividend investor for dividend investors, it provides instant, live access to critical metrics like dividends, yields, payout ratios, growth rates, complete financial statements, earnings, valuation ratios, and price history. The mission is clear: to democratize high-quality financial data. Whether you're a fundamental investor building a retirement portfolio, a financial analyst creating models, or an enthusiast tracking your holdings, Dividend Data gives you the power to make informed, confident decisions without the institutional price tag. Start with a generous free tier that never expires and step into a world where your analysis is limited only by your curiosity, not by data access.

Is Banknaked safe to use?

Absolutely. Security and privacy are our top priorities. We use secure Open Banking APIs, which provide a direct, read-only connection to your bank. This means we can only view your transactions; we cannot move money or access your login credentials. All data is encrypted with bank-level security, and we are fully GDPR compliant.

How much does Banknaked cost?

Using Banknaked to uncover your hidden fees is completely free. Our mission is financial transparency, and we believe everyone should have access to this insight without barrier. You can scan your bank, see your full fee breakdown, and get personalized recommendations at no cost.

Which banks do you support?

We support all major banks and financial institutions that participate in Open Banking. This includes a wide and growing network across Europe and the UK. During our quick setup process, you can search for your bank to confirm connectivity instantly.

What do you do with my data?

We use your transaction data solely to identify banking fees and provide recommendations. We never sell your personal data. Your information is processed securely and, in line with our privacy-by-design principle, we do not store it longer than necessary. You are always in control and can delete your data from our systems at any time.

How does the free tier work and what are credits?

The free tier provides 2,500 credits each month, renewed automatically, with no expiration date. Credits are consumed each time you use a Dividend Data formula in your spreadsheet. For example, fetching a single data point like a current price or dividend yield typically uses one credit. This generous allowance allows for substantial monthly analysis, perfect for individual investors tracking a portfolio or conducting regular research without any cost.

Do I need an API key or coding knowledge to use it?

Absolutely not. Dividend Data is designed for simplicity and accessibility. There are no API keys to manage and zero coding required. After installing the add-in for Google Sheets or Microsoft Excel, you simply use the pre-built custom formulas just like any native spreadsheet function. The complexity is handled behind the scenes, delivering powerful data with a user-friendly experience.

What kind of data can I access with the spreadsheet functions?

You can access a vast array of data points crucial for investment analysis. This includes dividend information (amount, yield, ex-date, growth rate), real-time quotes, over 30 years of historical prices, complete financial statements (revenue, net income, assets, liabilities), and key valuation and profitability ratios (P/E, P/B, ROE, debt-to-equity). The functions are built to deliver specific metrics directly to your cell.

Is my data and portfolio information secure?

Yes. Dividend Data operates with a strong commitment to user privacy and security. Your spreadsheet data and portfolio lists remain within your Google or Microsoft ecosystem. The add-in fetches public market data but does not store or have access to the personal content of your spreadsheets. You maintain full control and ownership of your financial models and analysis at all times.

Banknaked is a financial empowerment tool in the personal finance category, designed to automatically uncover hidden bank fees and provide actionable recommendations for better accounts. Users often explore alternatives for various reasons, such as different pricing models, a need for additional budgeting features, or a preference for a platform that integrates with other financial tools they use. When evaluating any financial tool, it's crucial to consider your core needs. Look for a solution that offers robust security, clear and actionable insights, and a genuine commitment to your privacy. The best choice is one that not only identifies financial leaks but also empowers you with a clear path to stop them, aligning with your personal goals for control and transparency.

Dividend Data is a specialized financial data tool designed for investors who prioritize dividends and fundamental analysis. It delivers over three decades of market data directly into spreadsheets through simple formulas, eliminating the need for complex coding or manual updates. This places it in the category of self-service investment research platforms built for individual investors. Users often explore alternatives for various reasons, such as seeking different pricing models, requiring specific data points not covered, or needing integration with other platforms. Your unique investment strategy, budget, and technical comfort level will guide your search for the right tool. When evaluating options, focus on the depth and reliability of historical data, the simplicity of accessing it within your workflow, and the overall value. The best solution empowers your process without creating new obstacles, giving you more time for analysis and decision-making.