A portfolio tracker for Freedom24 accounts

Three ways to get a Freedom24 account in

• Connect it. Generate an API key pair in the Freedom24 cabinet and paste it in. The keys are checked with one read-only call before anything is saved, the first sync runs immediately, and the portfolio refreshes itself every night from then on. How the connection works.
• Upload a broker report. The statement import reads Freedom24 and Freedom Finance broker reports — including the very long annual ones — and extracts positions, trades and dividends for review. No keys involved. The import details.
• Type it in. Manual entry builds the same portfolio with no document and no connection, if sharing either is more than you want.

The connection is a convenience, never a requirement — and it is the only broker connection in the product. Every other broker comes in as a statement.

Read-only by design, with your own keys

There is no Freedom24 password field and no OAuth screen. The connection uses the API key mechanism Freedom24 itself provides: you create a key pair in the cabinet's API settings, and every request BorderFolio makes is signed with it, per call — no login session is ever established.

• Two calls exist, both reads. The integration fetches current positions and trades history. There is no code that places, modifies or cancels an order — the read-only line is drawn in the integration's own interface, so nothing built on top of it can trade.
• The secret is sealed. Your secret key is stored encrypted, decrypted only for the moment a call is signed, and never logged.
• You hold the off switch. Revoke the key pair in the Freedom24 cabinet and the connection is dead, whatever happens on our side.
• Keys are proven before they are stored. A pair that doesn't work is rejected at connect time with a clear error, not saved to fail silently on every sync.

What the sync pulls, and what it becomes

Each sync reads two things from the account:

• Current positions — instrument, name, ISIN, quantity, currency and the broker's own average purchase price, fractional quantities included.
• Trade history — every executed buy and sell with price, commission, currency and date.

Trades are what make the tracker more than a mirror of the app: each buy is stored as a dated contribution, so deposited capital is summed independently of price movement and the contribution-vs-growth split is a running figure rather than a January spreadsheet exercise. The first sync starts the moment the keys are accepted and usually finishes in under a minute; after that the portfolio refreshes nightly, with a manual sync button for whenever you want the latest state now. The method.

The questions the Freedom24 app leaves open

Freedom24 reports the account: balance, positions, P&L per line. What it has no reason to answer is what crossing a border does to your money — and Freedom24's customers are almost all cross-border by definition, holding US stocks and Irish UCITS funds from a tax residence somewhere in Europe or beyond.

• How much of this is my own money? A balance is deposits plus market movement in one number. BorderFolio keeps the halves apart, per month, from the trade history the connection already pulled.
• What is a dividend worth to me, where I live? The estimate needs fund domicile × your tax residence, per instrument — withholding at source, then the second tax step at home. A US-domiciled stock and an Irish UCITS fund with the same yield do not pay you the same. The two-step model.
• Am I drifting toward the US estate threshold? US-situs assets above USD 60,000 put a non-US estate in range of US estate tax, and a monthly buyer of US stocks crosses that line in an ordinary month with no notification from anyone.
• What do all my accounts look like together? A Freedom24 connection and a statement from any other broker land in the same place: Pro tracks up to five portfolios side by side plus one combined view, in any of 19 reporting currencies.

What it deliberately does not do

• No trading, no money movement. The integration cannot touch the account — only read it.
• No tick-by-tick quotes. Positions refresh nightly and on demand. For real-time, the Freedom24 app is the right tool.
• No individual bonds or notes. They are priced per 100 of face value and pay coupons rather than dividends; reading them as shares would misstate the holding, so they are named as not imported instead. Bond funds with a ticker import normally.
• No tax filing figures. Every tax number is an informational estimate on your own holdings, with its assumptions shown. Your broker's tax documents and your adviser remain the authority.

Cost

Free covers one portfolio, up to 10 holdings and three document imports a month — enough to run a single Freedom24 account with a concentrated index portfolio indefinitely. Pro is $15 a month or $149 a year and removes the limits: up to five portfolios, unlimited holdings and imports, full contribution history and analytics, and the complete cross-border layer. See pricing.