Your bank tells you everything. It just never adds it up.
Every debit, every transfer, every salary comes with an alert. ZenFi was built to turn that pile of messages into the one thing they never give you: where your money actually went.
Get ZenFi
Our mission
Make personal financial clarity effortless.
See where your money goes. Spot what's changing. Decide better, with no manual tracking.
What is ZenFi?
ZenFi is a Nigerian expense tracker and budgeting app. It reads the bank alerts and statements you already get, sorts every transaction for you, and shows where your money goes across all your banks and wallets in one clear picture.
Most of us don't bank in one place. Salary lands in one account, a wallet handles the small spending, and transfers fly between them all week. Each message is exact. Together, they're noise.
ZenFi was built to do the adding up for you, so the answer is already there when you open the app.
You were never bad with money. You just never saw it all in one place.
- GTBank8:02 am
Debit: NGN 4,500.00 · POS purchase · Bal: NGN 182,340.55
- OPay1:15 pm
You sent ₦12,000.00 to Chidinma A. Transaction successful.
- Access Bank4:47 pm
Acct: 06**1234 · DR: NGN 2,800.00 · Desc: Bolt ride
- Moniepoint7:30 pm
Debit alert: ₦1,200.00 · Airtime purchase
- GTBankFriday
Credit: NGN 250,000.00 · Salary · Bal: NGN 423,105.10
Small app, careful choices.
20+
Nigerian banks and wallets ZenFi can read
3
Ways in: SMS alerts, email alerts and statements
0
Bank passwords or PINs we will ever ask for
1
Clear picture of where your money went
- 01
Read-only, always
ZenFi reads your alerts and statements. It can't move money, make payments or log in to your bank, and it never asks for your bank password, PIN or BVN.
- 02
Built for how Nigerians actually bank
Several accounts, a wallet or two, prices in naira. Every supported bank gets its own statement reader, because no two of them lay a statement out the same way.
- 03
Your data is yours
We don't sell your financial data or use it to train shared AI models. You can export everything, or delete your account and your data, at any time.
- 04
Calm over noise
No badge spam, no daily guilt trips, no manufactured urgency. ZenFi only interrupts you when something is worth knowing.
Stop wondering where your money went.
Available on iOS and Android.