Finza Money

Finza is a personal finance tracker built for Sri Lanka — not a foreign app with a rupee sign bolted on.

Sri Lankan banks don't offer transaction APIs, so most budgeting apps here are just manual spreadsheets in disguise. Finza takes the data you already get: the SMS alert your bank sends after every card swipe, transfer and ATM withdrawal. It reads those alerts, works out the amount, merchant and account, and files the transaction for you. Cash spending you add in a few taps.

WHAT YOU GET

Automatic capture from bank SMS
Finza recognises the alert formats used by Sri Lankan banks and finance companies — Commercial Bank, Sampath, HNB, NDB, Seylan, Bank of Ceylon, People's Bank, Nations Trust, DFCC, NSB, HSBC, Standard Chartered, Union Bank, Pan Asia, Cargills, Amana, FriMi, iPay and Dialog Finance. You choose which banks you use; messages from anyone else are ignored before they're even read.

Cash, because this is Sri Lanka
Trishaw fares, kade purchases, the vegetable stall. Add a cash transaction in seconds and it sits alongside your card spending in the same view.

Everything in one place
See all your accounts — current, savings, credit card, cash wallet — on a single dashboard, with your real balance across all of them.

Budgets that follow your salary
Set budget periods around your pay date, not the calendar month. If you're paid on the 25th, your budget runs the 25th to the 24th. Finza warns you at 80% so there are no surprises in the last week.

Smart categorisation
Merchant names in SMS alerts are messy. Finza cleans them up and sorts spending into categories tuned to Sri Lankan merchants, so your reports actually mean something. Change a category once and it remembers.

Multi-currency
Freelancing in USD? Receiving remittances? Finza converts to LKR at the rate on the day of the transaction and keeps both figures.

Import your history
Bring in past transactions from a bank CSV statement to see trends from day one.

Sinhala, Tamil and English
The whole app, in the language you think in.

PRIVACY BY DESIGN

Your financial data lives on your phone. Categorisation, budgets and reports all run on the device — no server sees your transactions. Finza only looks at messages from the banks you selected, and never reads personal messages. Optional encrypted backup is protected by a recovery key only you hold. There are no ads and we don't sell data.

WORKS OFFLINE

No signal at the shop? Doesn't matter. Everything works without a connection.

Finza is free to use. If a bank changes its SMS format, you can help teach the app the new one — with all personal details stripped out first, and only if you choose to.