Pecunia

The application provides a macOS‑based online banking client that communicates with German banks using the HBCI/FinTS protocol. It allows users to retrieve account statements, initiate SEPA transfers, and manage recurring payments while handling the verification of payee data required by recent regulations. The software includes a feature for cleaning up incorrectly stored transactions caused by non‑standard Camt data from certain banks, offering a manual “clean‑up” workflow to remove duplicate or malformed entries.

It also implements the Verification of Payee (VOP) check, comparing the beneficiary’s name and IBAN against the bank’s stored recipient data before a transfer is sent. When a mismatch occurs, the client reports the protocol error and lets the user cancel the transaction. The current release supports the basic VOP flow, though some banks may not yet fully support the extended interface.

Development continues toward additional capabilities such as real‑time payments and automatic correction of near‑matches in recipient names. The software is marked as stable and is intended for users who need a native macOS interface for managing their German bank accounts with HBCI compliance.