Ask Penny

Ask Penny questions about your synced financial data in plain language, get insight charts inline, and let Penny build dashboards and configure feeds for you.

2 min read

On this page

Asking questions
Insight widgets
Choosing a model
Credits and usage
Bring your own key (Pro and Business)
Confirmation before changes

Ask Penny is the in-app assistant that answers questions about your workspace's data, renders charts and KPIs inline in the chat, and can drive the app for you, building dashboards and helping configure feeds. Open Penny from the top header; she docks to either edge and coexists with whatever you already have open.

Ask a question, review an inline insight, and add the result to a dashboard without leaving the page.

Plan availability

Ask Penny is included on Standard plans and above. On Free and Starter plans you'll see an upgrade prompt that routes you to the cheapest plan that unlocks her.

Asking questions#

Type a question in plain language, for example "What did I spend at restaurants last month?" or "Why is one of my feeds empty?". Penny reads your workspace's connected banks, feeds, and dashboards to answer, and the response streams in token-by-token with any tool activity (like reading transactions) shown as it runs.

Your conversations are saved per workspace and are private to you. You can rename or delete any conversation from the thread list, and start a new one at any time. If you stop a response mid-stream or navigate away, the turn ends cleanly and the partial answer is saved.

Insight widgets#

When you ask for an insight, Penny doesn't just describe it. She renders a real chart, KPI, or table inline in the chat, built from your data.

Rendered inline

Charts and KPIs appear directly in the conversation, not as a description you have to recreate.

Add to a dashboard

Keep any proposed insight with one click. It's added to a dashboard so you can return to it later.

Choosing a model#

By default Penny is set to Auto, which picks a sensible model for each question. You can also pick a specific model from the composer; each option shows its relative credit cost so you can trade speed against depth.

Credits and usage#

Ask Penny usage is metered in credits. Each plan includes a monthly allotment, and you can see your remaining balance and buy more from the credit meter at any time.

Monthly allotment

Your plan's included credits refresh each month. Use them or lose them.

Top-up packs

Buy a one-time credit pack at any time. Purchased credits never expire and roll over.

If you run out mid-conversation, Penny stops cleanly at a safe point and prompts you to top up rather than failing partway through an answer.

Bring your own key (Pro and Business)#

On Pro and Business plans you can add your own AI provider API key. When a key is present, your conversations run on your provider account and cost zero BankSync credits.

Your key stays private

Your provider key is encrypted at rest and never leaves BankSync's servers. You only ever see the last four characters. If a stored key is rejected (for example, you rotated it at your provider), Penny shows a clear prompt to re-enter it, and the turn is never silently charged credits.

You can add or remove a key at any time from the key settings (the key icon in Ask Penny).