Fair questions, straight answers.

Spenlio reads the bank and card SMS already on your phone and builds a private ledger from them: transactions, accounts, cards, budgets, and insights. In much of the world, banks send a message for nearly every transaction, so your inbox already holds months — often years — of financial history. Spenlio makes it readable.

No. Spenlio never asks for bank credentials, never connects to your bank, and doesn't do open-banking-style account linking. Everything comes from the messages your bank already sent you.

Spenlio learns message formats rather than shipping a fixed bank list, so support grows over time — including formats from foreign banks if you get SMS from them. If one of your banks can't be read yet, you can optionally share its unread messages so Spenlio learns that format; until then those messages are simply set aside, never miscounted.

Spenlio is free. No tiers, no paywall. If that ever changes, it will be said here first — plainly.

Spenlio is built for anywhere banks send transactional SMS — if your banks text you about your money, the approach works, though coverage of each bank's format grows over time. It's arriving on Google Play region by region, on Android, in English first. The fastest way in today is to request an invite from the Download page.

Not currently. iOS doesn't give apps access to the SMS inbox, which is the foundation Spenlio is built on.

Reading and parsing happen on your device, and reading never uploads your messages. Your ledger, category choices, notes, and budgets are stored only on your phone.

There is one path messages can take off your phone, and you control it: if you turn on sharing, messages Spenlio hasn't learned to read yet — from institutional senders only — are sent to teach it new formats. It's off until you turn it on, and you can stop any time.

Personal conversations are off-limits by construction: any sender that is a phone number is treated as a person, and nothing from that conversation is uploaded, included in lookups, or used for learning — no matter how many messages there are.

Two things, neither of which is message content: the names of institutional senders in your inbox (like a bank's sender ID), used to fetch reading patterns for them — and exchange-rate requests by currency pair and date, used for estimated conversions.

Only messages Spenlio couldn't read, from banks and services — never phone-number contacts — and only once they're older than a waiting period you choose (1 hour by default, up to 1 year). Because they're whatever couldn't be parsed, they can include a bank's one-time passwords, security codes, or promotional messages, not just transaction alerts. The consent screen says this plainly before you decide.

The waiting period is also the safeguard: with even the default one hour, a one-time password has expired long before it could ever be sent — and you can stretch the wait up to a year.

Treat sharing as permanent before you turn it on. You can stop sharing at any time — queued messages are cancelled and nothing new is sent — but copies already shared stay with Spenlio for training and review, and there's no individual deletion afterwards. Shared messages are not used to identify you.

Only shared messages, and only for Spenlio. If you turn sharing on, those messages train Spenlio's systems — including its AI models — to read bank formats and tell real transactions from codes and promos. Processing runs under contract with AI providers who may use your messages only to do this work for Spenlio. Never sold, never given to advertisers or data brokers, never used to profile you.

Uninstalling deletes the app's local data — your ledger, rules, and settings — from your phone. If you had sharing on, copies of messages already shared remain with Spenlio for training and review, as the Data & AI Learning Policy describes.

Reading SMS formats is best-effort, and Spenlio is honest about that. Banks change formats, and some messages are ambiguous. The design principle: surface what couldn't be read rather than hide it, and let you correct anything. Your bank's statements remain the authority on your money.

That's a feature, not a crash. When a reported balance implies money moved without a message — a bank fee that was never texted, history from before your oldest SMS — Spenlio shows an "unexplained gap" with the math and the surrounding evidence. Nothing gets silently invented to force the numbers to match.

Original amounts stay in their original currency, always visible. For combined views, Spenlio can estimate conversions using exchange rates by date — and labels them as estimates. Facts first, estimates second.

No. Spenlio recognizes one-time passwords, security alerts, and promotions and sets them aside. They're visible if you go looking, but they never touch your totals.

ATM withdrawals count as spending when they happen, since the cash leaves SMS-visible tracking. Cash deposits show as inward money in a dedicated bucket, separate from income — Spenlio can't know where deposited cash came from, so it never pretends to.

Yes — everyday use is fully offline. A connection is only used for the optional extras: fetching reading patterns for new senders, exchange rates, and sharing if you've turned it on.

No. Once Spenlio has captured a transaction, it stays in your ledger even if the original SMS is later deleted. You can clean your inbox freely.

Yes, and your corrections stick. Recategorize one transaction or set an "always" rule; rename merchants; group the same shop's different spellings; add notes. Everything is a reversible rule layered over the original evidence.