Beans: Money Tracker

Your bank already tells your phone every time money moves. Beans reads those alerts and turns them into a money tracker that fills itself in. You type nothing, you connect nothing, and you never give out a bank password.

NOTHING CAN LEAVE THIS PHONE
Beans doesn't even request internet access. That's not a promise: the app has no way to reach a server, and you can check it yourself in the app details. No account, no sign-up, no tracking.

HOW IT WORKS
1. Allow Beans to read notifications.
2. Pick the banking apps it may look at.
3. Pay for a coffee. It shows up a second later, already in its category.
Notifications from every other app are dropped before being read.

WHAT YOU GET
• The month in one figure, compared with the same point of last month
• Six months of history and a day-by-day pace curve
• Where the money goes, by category, with monthly budgets
• Recurring charges, found on their own
• Money coming in on its own line: salary, transfers, refunds
• Search, cash payments added by hand, figures you can blur
• A log of the latest alerts Beans read, and what it did with each

IT READS PROPERLY
"STARBUCKS LONDON GB" becomes "Starbucks". Verification codes, balance updates and ads are ignored, duplicates are merged, and a late alert keeps the time written in the message. Pay with Samsung Wallet and you see the shop, not the bank. Correct a category once and Beans remembers it for that merchant.

WHICH BANKS
130 banks, wallets and payment apps in 29 countries, including Revolut, N26, Wise, PayPal, Monzo, Starling, Barclays, HSBC, Lloyds, NatWest, Samsung Wallet and Google Wallet. Some banks only send alerts once you turn them on in their own app, and Beans tells you which ones during setup. Not on the list? Point Beans at your bank's app yourself.
Selling online? Sales through Stripe, Shopify, SumUp, Square, Etsy and Vinted count as money coming in.

Beans is independent and not affiliated with any bank. Free, no ads, no subscription. Available in 24 languages.