How do I track my spending across multiple bank accounts?

Use one app that reads all of them. ZenFi adds your connected accounts up to a single balance and puts every transaction in one list, using the bank alerts and statements you already get, so you don't have to check several banking apps.

Which Nigerian banks and wallets can ZenFi track?

ZenFi reads statements from 20+ Nigerian banks and wallets, including GTBank, Access Bank, Zenith Bank, UBA, First Bank, Kuda, OPay, Moniepoint and more. ZenFi reads alerts from all of them as they arrive.

Do I have to categorise my transactions myself?

No. Transactions are categorised from the first sync. If ZenFi gets a merchant wrong, correct it once and it remembers that merchant for you.

Does moving money between my own accounts count as spending?

No. Transfers between your own accounts are recognised as transfers, so your spending total isn't inflated by money you still have.

Can ZenFi find my subscriptions and recurring bills?

Yes. ZenFi spots repeating payments in your transaction history and shows you what's due before it leaves your account. A detected payment stays a suggestion until you confirm it.

What happens if ZenFi can't confirm an account balance?

It tells you. If a balance can't be confirmed, ZenFi says so and shows how many accounts were left out, rather than showing a total that's wrong.

Spending tracker for all your bank accountsStop guessing what you have

Every account and every transaction, sorted by the time you look. ZenFi works from the bank alerts and statements you already get, across 20+ Nigerian banks and wallets, so you never rebuild the picture by hand each month.

Today

Shoprite
GroceriesGTBank
-₦18,400
MTN
Airtime & dataKuda
-₦5,000
Chicken Republic
Food✓ RememberedGTBank
-₦7,200
To my savings
Self transferKuda
₦50,000
Not spending

Automatic transaction categorisationYour breakdown is right the moment you open the app.

You never sit down to a screen of uncategorised transactions. ZenFi reads each one as it arrives and files it, so the first thing you see is an answer rather than a chore.

Nothing to set up first: There's no stage where you label three months of history before the app becomes useful. It's categorised from the first sync.
It stops getting your places wrong: Correct a category once and ZenFi remembers that merchant for you. After the first week, the shops you actually use are no longer guesswork.
Moving money isn't spending money: Transfers between your own accounts are recognised as transfers, so your spending total isn't inflated by money you still have.

How smart categorization works

GTBank

₦612,300

Kuda

₦318,200

OPay

₦204,000

Access Bank

₦150,000

Total balance

₦1,284,500

Across 4 accounts

1 account left out: its balance couldn't be confirmed.

All your bank accounts in one balanceWhat you actually have, across every account.

Your connected accounts add up to a single figure, so knowing how much you have stops requiring several banking apps and some mental arithmetic.

Every connected account, added up: Current accounts, savings and wallets sit in one total instead of living in separate apps that each know only their own slice.
It tells you when it isn't sure: If an account's balance can't be confirmed, ZenFi says so and tells you how many accounts were left out, rather than quietly showing you a number that's wrong.
Money in against money out: The total sits next to what came in and what went out over the period, which is the comparison that actually tells you how the month is going.

Why transfers between your accounts don't count as spending

Repeats every month

₦162,000

Rent
Due on the 28th · Before payday
₦150,000
Netflix
Renews tomorrow · Before payday
₦7,000
MTN data
Renews on the 3rd
₦5,000

Looks recurring: Gym, ₦15,000

Confirm

Subscription and bill trackerNothing leaves your account as a surprise.

The payments that repeat are the easiest to forget, because they don't happen often enough to stay in your head. ZenFi finds them in your history and shows you what's due before it goes.

Found, not entered: ZenFi spots the repeating pattern in your own transactions. You don't keep a list of your subscriptions and bills up to date by hand.
You confirm what counts: A detected payment is a suggestion until you say otherwise, so a coincidence of three similar amounts doesn't quietly become a standing commitment.
What's due before payday: Seeing the total that repeats each month, and which parts of it land before your salary does, is usually the number that changes behaviour.

How ZenFi finds recurring payments

Supported banks