ZenFi featuresHow ZenFi does the work for you.

Automatic expense tracking, explained. These are the five features underneath ZenFi: how your transactions get in, how they get sorted, and how patterns get spotted. Together they power spending tracking, budgets that keep themselves and month-end forecasts.

Automatic transaction importGet your money in

ZenFi works from what your bank already sends you. No bank login, no manual entry.

Bank alert reading

Turns your SMS and email alerts into transactions automatically, on Android and iPhone.

  • Bank alert texts forwarded from your phone, on Android and iPhone
  • Alert and receipt emails from an account you connect
  • Read as they arrive, so the picture stays current
How bank alert reading works

Statement import

Upload PDF, CSV or Excel statements, read properly for each bank.

  • Upload statements as PDF, CSV or XLSX
  • A dedicated reader for every supported bank
  • Bring months of history in on day one
How statement import works

Automatic expense categorisationMake sense of it

Every transaction is sorted and checked, so your totals mean what they say.

Smart categorization

Every transaction sorted for you, and it learns from your corrections.

  • Every transaction sorted from the first sync
  • Correct a merchant once and ZenFi remembers it
  • No screen of uncategorised transactions to clear
How smart categorization works

Smart transfer matching

Matches money moved between your own accounts, so it isn't counted as spending.

  • Money moved between your accounts is recognised
  • Your spending total isn't inflated by money you still have
  • Savings top-ups stay out of your spending
How smart transfer matching works

Bill and subscription trackingSee what's coming

Patterns in your history become warnings before the money leaves.

Recurring payment detection

Finds your subscriptions, rent and regular bills for you.

  • Subscriptions and bills found in your own history
  • Each one stays a suggestion until you confirm it
  • See what's due before payday
How recurring payment detection works

Used in

Read-only, always.

ZenFi only reads messages that look like bank alerts, receipts or statements. It can't move money or log in to your bank.

How ZenFi keeps your data safe
ZenFi accessRead-only
  • Reads bank alerts
  • Reads receipts
  • Reads statements
  • Moves money
  • Logs in to your bank

Questions about how ZenFi works

Anything else, email support@usezenfi.com.

Stop wondering where your money went.