How does ZenFi find my subscriptions and bills?

It looks for payments that repeat in your transaction history, from your bank alerts and imported statements, and lists them for you.

Do I need to add my bills manually?

No. ZenFi finds them automatically. You only confirm the ones that are real.

What if ZenFi flags something that isn't a regular bill?

Nothing changes until you confirm it. A detected payment stays a suggestion, so a one-off coincidence never becomes a standing commitment.

Will ZenFi remind me before a payment leaves my account?

Yes. ZenFi can let you know when a payment is about to land. You can switch off any notification you don't want.

Can I see which bills are due before payday?

Yes. ZenFi shows how much repeats each month and which of those payments land before your salary does.

How can I help ZenFi find my bills sooner?

Import a past bank statement. Recurring payments are found from patterns in your history, so more history means they're found sooner.

Subscription and bill trackerNo more surprise debits.

Subscriptions, rent and regular bills are easy to forget until the debit alert arrives. ZenFi finds them in your transaction history and shows you what's due, and when, before the money leaves your account.

The differenceKnow before, not after.

A debit alert tells you the money has already gone. ZenFi tells you before due date, so you can plan for it.

Without ZenFi

2:14

Thursday, 13 August

2:14

Bank alertnow

Debit: NGN7,000.00 Desc: NETFLIX.COM Bal: NGN3,120.55

The surpriseThe money is already gone.

With ZenFi

9:00

Sunday, 9 August

9:00

ZenFinow

Your ₦7,000 Netflix subscription is due in 4 days, on 13 August.

The heads-upDays early, while you can still plan.

Coming up

₦157,000 due before payday

13 AugNetflixBefore payday₦7,000
28 AugRentBefore payday₦150,000
30 AugPayday
3 SepMTN data₦5,000

Your ₦7,000 Netflix subscription is due in 4 days.

How recurring payment detection worksYour bills, found for you.

Found automatically: ZenFi spots the payments that repeat in your transactions. There's no list of bills to type in or keep up to date.
Confirmed by you: Every payment ZenFi finds is a suggestion until you confirm it. Nothing is treated as a regular bill without your say-so.
Planned around payday: See how much repeats each month, and which payments land before your salary does.

Subscriptions, bills and moreIf it repeats, ZenFi finds it.

Streaming subscriptions, data plans, rent, gym memberships. If money leaves your account on a regular schedule, ZenFi will spot the pattern.

Streaming subscriptions
Data plans
Rent
Gym memberships
Utility bills
App subscriptions

Looks recurring

Gym membership

₦15,000 · around the 5th of each month

Confirm

Confirmed

Rent₦150,000
Netflix₦7,000
MTN data₦5,000

You stay in controlNothing counts until you confirm.

Three similar payments can be a coincidence. That's why ZenFi asks before it treats anything as a regular bill. Confirm the ones that are real, and the rest simply stay as suggestions.

Bills due before paydayKnow what's due before you're paid.

ZenFi adds up what repeats each month and shows which payments land before your next salary. You can see at a glance how much of your balance is already spoken for.

When a payment is about to leave your account, ZenFi can give you a heads-up, so it never arrives as a surprise. Any notification you don't want can be switched off.

How ZenFi keeps your budget on track How ZenFi helps salary earners make pay last

Questions about recurring payments

Anything else, email support@usezenfi.com.

Works with the rest of ZenFiFewer surprises, everywhere you look.

Transfers to your own savings aren't bills.

See how smart transfer matching handles them

Stop wondering where your money went.

Download on theApp Store Get it onGoogle Play

Available on iOS and Android.