Banknaked vs Dokta

Automated Fee Detection

Our sophisticated algorithms act as your personal financial investigator, scouring your connected accounts to automatically identify and categorize every single fee. It goes beyond the basics, pinpointing monthly account charges, foreign exchange markups on card purchases abroad, ATM withdrawal fees, and even obscure transaction costs that most people would never notice on their own. This automated deep dive ensures nothing slips through the cracks.

Visual Cost Dashboard

Knowledge is power, but clarity is key. Banknaked transforms complex transaction data into an intuitive, visual dashboard. See a crystal-clear breakdown of your total banking costs over the last 12 months, presented in easy-to-understand charts and graphs. This visual storytelling allows you to instantly comprehend where your money is going, making abstract fees tangible and highlighting your biggest areas of potential savings.

Personalized Bank Recommendations

Discovering hidden fees is only half the battle. Banknaked completes your journey to savings by analyzing your unique banking behavior—like how often you use ATMs or make foreign transactions—to provide tailored recommendations for alternative banks or accounts. It shows you a direct comparison between your current annual costs and what you could be paying, often revealing pathways to reduce your fees to zero.

Secure Open Banking Integration

Your security is our foundation. Banknaked uses regulated and certified Open Banking APIs to connect to your financial institution. This provides read-only access, meaning we can see your transaction data but can never move, withdraw, or touch your money. Coupled with bank-level encryption and a strict data privacy policy, this ensures your financial exploration is conducted within a fortress of security and compliance.

Instant AI Document Analysis

Dokta's foundation is its lightning-fast AI analysis. Simply drag and drop any document—invoice, quote, contract—and within 60 seconds, the system automatically performs OCR and uses AI to classify the document type, extract critical data like amounts, due dates, and client details, and structure it all within your dashboard. This eliminates manual data entry, ensuring your financial records are accurate and up-to-date from the moment a document arrives.

Automated Invoicing & Online Quotes

Move beyond static PDF generators. Dokta allows you to create professional invoices and quotes in clicks. For freelancers on day-rate contracts, it can even automate monthly invoicing. A standout feature is the ability to send quotes with an online acceptance link; once a client approves, you can convert that quote into a finalized invoice with a single click, streamlining the entire proposal-to-payment workflow seamlessly.

Real-Time Cash Flow & Anomaly Detection

Gain immediate insight into your financial health with a clear, visual dashboard. Dokta tracks invoiced revenue, collected cash, outstanding payments, and VAT liabilities over a 12-month period. Beyond visibility, it acts as a guardian by detecting potential document anomalies, such as duplicate invoices, inconsistent VAT numbers, missing numbering, or suspicious changes to supplier IBANs, helping to protect your business from errors and fraud.

Intelligent Client Database & Payment Tracking

Dokta automatically builds and enriches your contact list from the documents you process, using SIRET numbers to pull in official business details. It assigns a payment score to each client based on history and enables automated, polite payment reminders for overdue invoices. This transforms your documents from isolated files into a dynamic network of client intelligence, helping you manage relationships and improve cash collection.

The Proactive Budget Optimizer

You diligently track your groceries and subscriptions, but banking fees remain a blind spot. By using Banknaked, you can finally complete your financial picture. Discover those recurring, silent charges that undermine your budgeting efforts and get a precise figure on your true cost of banking, allowing you to optimize every euro of your outgoing expenses.

The Frequent Traveler

If you travel abroad for work or leisure, you're likely subject to foreign exchange fees and international ATM charges that can add up quickly. Banknaked meticulously identifies every instance of these markups and fees across your statements. This insight empowers you to seek out and switch to a bank or fintech product designed for global citizens, potentially saving hundreds per year.

The Financial Spring-Cleaner

During an annual financial review, you use Banknaked to conduct a thorough audit of all your active accounts—checking, savings, and joint accounts. The tool's historical analysis uncovers forgotten accounts with dormant fees or highlights which of your current accounts is the most expensive, providing the evidence needed to consolidate and close costly products.

The Fintech-Curious Skeptic

You hear about new digital banks and financial apps promising low fees but are hesitant to switch without proof. Connect your current account to Banknaked to get a personalized report. It quantifies exactly what you're paying now and objectively shows you which modern alternative best matches your spending patterns, turning skepticism into confident decision-making.

The Freelance Developer or IT Consultant

For freelancers working on Time & Materials contracts, administrative overhead is a distraction. Dokta automates the entire billing cycle: it can generate monthly invoices automatically based on the contract terms, track when they are paid, and send follow-ups for late payments. This allows the developer to focus purely on coding while ensuring their cash flow is managed proactively and professionally.

The Creative Project Freelancer

Graphic designers, writers, and other project-based creatives can streamline their client journey from pitch to payment. They use Dokta to create and send visually appealing quotes with online acceptance. Once approved, the quote becomes a billable invoice instantly. The platform then tracks the project's payment status, manages deadlines, and automates reminders, ensuring they get paid for their creative work without awkward conversations.

The Auto-Entrepreneur / Micro-Entrepreneur

Solo entrepreneurs under France's auto-entrepreneur regime need simplicity and compliance. Dokta helps by generating conforming invoices, tracking income against the URSSAF ceiling, and sending alerts for contribution deadlines. It provides a clear, real-time view of earnings and tax liabilities, eliminating guesswork and stress around declarations and helping them stay focused on growing their business.

The Growing Small Business

As a small business scales, document chaos can stifle growth. Dokta serves as a centralized command center for all financial documents—from supplier invoices to client contracts. It provides a unified view of cash flow, automates accounts payable/receivable tasks, flags financial discrepancies, and maintains a clean, exportable record for accountants, enabling better financial control and decision-making.

Have you ever wondered what your bank is really costing you? Banknaked is a revolutionary financial detective tool designed to answer that exact question. It exists to pull back the curtain on the often opaque world of banking fees, revealing the hidden charges that silently drain your account. By securely connecting to your bank via Open Banking, Banknaked performs a deep, forensic analysis of your transactions. It uncovers everything from obvious monthly maintenance fees to the more elusive costs like foreign exchange markups, ATM withdrawal charges, and wire transfer fees that are easily buried in lengthy statements. This platform is for the curious consumer, the proactive saver, and anyone who believes in true financial transparency. Its core value proposition is powerful yet simple: empower you with undeniable clarity about your banking costs and then provide personalized, data-driven recommendations for better, cheaper alternatives. Imagine discovering you're paying over €250 a year in unnecessary fees and having a clear path to reclaim that money—all within a few minutes. With a staunch commitment to security using read-only access and bank-level encryption, Banknaked lets you investigate your finances with absolute peace of mind, turning confusion into actionable insight.

What if your business documents could manage themselves? Dokta is an AI-powered document management platform designed to transform administrative chaos into automated clarity, specifically for the modern solo professional and small business. It acts as an intelligent central nervous system for your paperwork, handling everything from invoices and quotes to contracts and payment tracking. At its core, Dokta's powerful AI engine can read, classify, and extract key data from any uploaded document—be it a photo, scan, or PDF—in under 60 seconds. This isn't just about storage; it's about actionable intelligence. The platform automates the entire document lifecycle: creating professional invoices, sending online quotes for acceptance, tracking cash flow in real-time, and even sending polite payment reminders. It proactively builds your client database, flags anomalies like duplicate invoices or changed IBANs, and exports clean data for your accountant. For freelancers, consultants, auto-entrepreneurs, and SMBs tired of lost files and manual data entry, Dokta offers a compelling promise: reclaim your Sundays and put your documents to work for you, all within a secure, GDPR-compliant platform hosted in Europe.

Is Banknaked safe to use?

Absolutely. Security and privacy are our top priorities. We use secure, regulated Open Banking connections, which are read-only. This means we can view your transaction data to analyze fees, but we cannot access your login credentials, move money, or initiate any payments. Your data is protected with bank-level encryption and we are fully GDPR compliant.

How do you find hidden fees?

Our proprietary algorithms are designed to scan and categorize thousands of transaction lines from your bank statements. We look for known fee descriptors, analyze foreign currency conversions for hidden markups, and identify recurring charges that may be listed under vague names. We then present these findings in a simple, categorized dashboard for you.

What if my bank isn't supported?

Banknaked connects to a wide and growing network of major banks and financial institutions across Europe via Open Banking. If your specific bank is not yet available, you can often still use the service by manually uploading a recent statement (PDF/CSV) for us to analyze, ensuring you don't miss out on the insights.

How much can I really save?

While savings depend entirely on your individual banking habits, our data shows the average user uncovers over €250 in unnecessary fees per year. Some users, especially those who travel frequently or maintain multiple accounts, find savings significantly higher. Banknaked shows you your exact potential savings before you make any decision to switch.

How does Dokta's AI analysis work?

You simply upload a document (PDF, photo, or scan) to the platform. Dokta first uses Optical Character Recognition to read the text. Then, its AI engine, powered by Claude from Anthropic, classifies the document type and intelligently extracts key structured data like the total amount, due date, client or supplier name, and tax information. This entire process is completed in under 60 seconds, populating your dashboard with actionable information.

Is my data secure with Dokta?

Absolutely. Dokta prioritizes security and compliance. All data is encrypted using AES-256 standards. The platform is fully GDPR compliant, and its servers are hosted exclusively in Europe on Amazon Web Services in Paris. This ensures that your sensitive business and client data remains under strict European data protection regulations.

What happens if I exceed my document limit?

Dokta operates on a tiered subscription model based on the number of documents you can process per month. If you are on a paid plan and approach your limit, you will be notified. You can then choose to upgrade your plan to a higher tier with a larger document allowance to continue using the service uninterrupted.

Can I try Dokta for free?

Yes, Dokta offers a free "Découverte" tier to get started. This plan allows you to process up to 15 documents per month (with a 5-page maximum per document), use the free invoice generator, and maintain an unlimited client database without requiring a credit card. It's a full-featured trial designed to let you explore the core automation capabilities risk-free.

Banknaked is a financial transparency tool that uses Open Banking to uncover hidden bank fees, empowering users to save money. People often explore alternatives for various reasons, such as seeking different pricing models, specific feature sets, or compatibility with other financial platforms they use. When evaluating other options in this category, it's wise to consider a few key aspects. Look for the depth of fee analysis, the quality of personalized recommendations, and the overall commitment to data security and privacy. The ideal tool should not only reveal costs but also provide clear, actionable insights to improve your financial health. The core value lies in finding a service that demystifies your banking statements with clarity and offers trustworthy guidance. Your choice should align with your desire for control, helping you make smarter decisions effortlessly and with complete confidence.

Dokta is an AI-powered document management platform designed to automate the administrative workflow for freelancers, solo entrepreneurs, and small to medium-sized businesses. It belongs to the category of smart business tools that focus on streamlining document creation, tracking, and organization, turning scattered files into a structured, actionable system. Users often explore alternatives for a variety of reasons. Perhaps a business has outgrown a plan's document limits, requires integrations with other specific software, or needs a different pricing structure. Others might be looking for a platform hosted in a different region or one that offers a particular niche feature not covered by a generalist tool. When evaluating other options, it's wise to consider your core needs. Key factors include the volume of documents you process, the specific types of documents you use most, your budget, and any critical integrations with accounting or communication tools you already rely on. The goal is to find a solution that not only automates tasks but also fits seamlessly into your existing business rhythm.