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Can I use without giving out my bank details (credentials), and manually enter my transactions instead?

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You can, but there's really no point. You might as well use a separate money tracking program.

The main advantage of Mint is that it aggregates financial information from multiple sites. For instance, if you have a car or student loan with one bank, your checking account at another bank, a 401k with your employer, and a credit card from a local credit union, Mint can pull all of those accounts and display the summary on a single page (or allow you to view details on each account individually).

If you're manually entering transactions, there are superior programs available.

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and some programs are free, though Gnucash isn't necessarily everyone's cup of tea... – fennec Feb 27 '11 at 4:07
GnuCash is overkill, but this one: is nice, I use it for manually managing accounts. – littleadv Aug 9 '11 at 6:45

I use and notice that you can add transactions manually. That is how all the information is aggregated and is also how trends are created.

So based on that, you could manually categorize everything and would be able use it to manage your finances. The one thing that I'm not sure of is how you would add a savings/checking/investment account. To add those types of accounts, you need a url of a bank that you can enter information for.

Note: If requires that you enter a bank account, you could enter a dummy bank account that just wouldn't connect - it is a sloppy work around, but it would stop any request to create an account (You might not even need to do it).

Let me know how it works for you if you decide to use mint without connecting to any sites. I hope this was helpful.

EDIT 8/9/11: Mint has just added the feature to iPhone app to keep track of money spent. You can use this feature to just manually enter your transactions without giving them your bank details.

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How to enter dummy bank account? Each institute I tried, asks for a valid username/password combo. – Saxtus Nov 21 '10 at 20:12

I was thinking of the same thing, If you are outside the US and no banks offer on-line services, to use Mint for personal cash and debt management, simply put a dummy bank URL and acc. number.

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Please refrain from posting unrelated links. – George Marian Feb 26 '11 at 9:32

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