Be Smart With Money

  • Be In Control

    Know immediately how much money you have and how much you can spend. Control spending by creating SmartGoals and putting a distance between your money and you

  • Be A Smart Spender

    Eating at a restaurant, or shopping online, know where you are getting discounts and offers on your credit or debit card

  • Be Efficient Planner

    Fulfill your family needs - a car, a home, even a nice dinner with your family - create a SmartGoal and put aside money. For larger goals, know where to get the best loan rates

Feature
  • Be Knowledgeable

    Understand your money in detail. Where you spent, how much you spent, and when you spent. Understand how to save and invest for your dreams

  • Be Always Alert

    Pay your mobile, electricity, credit card bills on time. Ensure money in bank before a cheque is encashed or loan amount is withdrawn

  • Be A Smart Saver

    Get much higher returns than savings accounts, RD or FD and benefit from unlimited free withdrawals in any ATM and 0 balance through MoneySmart SmartAccount

Testimonials

Sweekrit P
This app helps me in keeping track of my spending, I make any transaction via ATM, online, credit card, debit card and MoneySmart helps me keep track of it and gives me suggestions how much I have in my account and how much I can spend without worry...smart, right?
Sweekrit P
Kaustuv Prakash
Did this just give me a financial suggestion??? Never expected that an app would give me financial suggestions based on reading my SMS. Found it pretty cool 🙂
Kaustuv Prakash
Ankush Agarwal
A one-click solution for managing my finances! I've used other apps which help me aggregate my accounts together, but, this app goes beyond aggregation... it gives you advice on how to spend money, how to save and invest! It's like my personal financial adviser! The app is extremely intuitive, has a very easy to use interface and gives you excellent insight into your financial planning and management.
Ankush Agarwal

MoneySmart Security

Securing your data and keeping your identity confidential is the top priority of MoneySmart. We believe that everything else is secondary to that. Therefore we have ensured to take a few measures that will help assure you that your information is completely secure and confidential.


  • No OTP, Passwords or login ids are read

  • No personal SMSes are read

  • Only Financial SMSes are read

  • You can password protect your app from others looking into it

  • All data is encrypted

  • Any personal data is completely confidential and kept only for you
MoneySmart

Features of MoneySmart

MoneySmart helps you know your money

Understanding your accounts both at a summary or detail, viewing incomes and spends in graphs, get alerted before bill due dates, and know how much more you can spend with SmartBudget

    • Accounts balances to individual transactions
    • Graphs and Trends
    • Alerts on bills, balance maintenance
    • SmartBudget shows the amount that can be spent

MoneySmart helps you use money smartly

One does have to spend money. Why not spend in a way that you get best discounts, and never pay anything extra. And better still, knowing what to do at the right moment

    • Locate your bank ATMs, avoid fees
    • Never forget discounts on your credit card / debit card
    • Be aware of best FD Rates, gold prices
    • Know the best banks to get loans

MoneySmart helps you save money smartly

Despite all those savings in our bank accounts, FDs and RDs to help us buy the dream bike or go on a dream vacation, we feel that we are compromising because our money never works for us. MoneySmart SmartAccount is how your banking account should be

    • Returns at almost 8% - more than a typical bank FD or RD
    • Immediately available money (liquidity) - through the ATM card provided by HDFC Bank, or into your linked bank account
    • No minimum balance and no withdrawal fees from any ATM

MoneySmart ensures your safety

Though MoneySmart reads your SMSes to identify your financial profile, security and confidentiality of your data is our primary concern

    • Read only financial SMSes
    • Password Protect Your App
    • Encrypt all data
    • Will act on your inputs and feedback

MoneySmart FAQ

Banks send SMSes to the mobile number registered with them. MoneySmart reads such SMSes to gather your transaction data and build your financial profile. But in the process, it ignores any OTP or password related details sent by the banks. MoneySmart does not read any personal SMS or non-banking SMS

No, MoneySmart does not read passwords OTPs that come to your phone. MoneySmart only reads SMSes from your banks that have transaction data and ignores any SMSes that contains passwords or OTPs. MoneySmart does not read any personal SMS or non-banking SMS

No, MoneySmart does not read any personal SMSes. It only reads messages coming from Banks. Even there, it does not read SMSes that contain passwords and OTPs

Yes, you can password protect your app. Go to Settings on the left side menu and enable your password

We are supporting SMSes from a little more than 80 institutions at this point. But we will continue to increase this support. Please send us a feedback if you find a bank or a transaction missing and we will try to fix the problem immediately

We can only identify transactions for which banks send SMSes. In some cases, we may still miss it but we will continue to increase support to new formats of SMSes. If you find something missing, please send us a feedback and we will try to fix the problem immediately

We are doing our best to keep the offers updated and relevant for you. If we are missing any, please do send us a feedback and we will work to fix that problem. For the existing offers, we have provided all the conditions for the offer to be valid. Most offers have the link to the actual offer provided by the bank. Please verify if the offer is valid when you look at buying a product on an app or a website, or go to a restaurant. We understand that restaurants especially in some cases turn down the offers they have agreed upon with the banks

We can only identify transactions for which banks send SMSes. In some cases, we may still miss it but we will continue to increase support to new formats of SMSes. If you find something missing, please send us a feedback and we will try to fix the problem immediately
My data does not seem to be updated?
This can happen in some cases where our alerts stop reaching you. Try restarting your app, or send us a feedback and we will try to fix the problem for you

Your income is used for your commitments, savings and spending. Commitments include bills, loan EMIs, and other regular expenses. Spending is money for restaurants, shopping, movies, travel, gifts, etc. SmartBudget is that part of your income which you can spend freely without worrying about your bills, commitments and savings

We understand your average spending over the last 3 to 6 months to identify your spending pattern. We identify SmartBudget as a number after considering your commitments such as loans, savings, home expenses, bills

Most banks, for different kind of loans, charge a processing fee for issuing the loan. This amount could be a fixed amount, or a percentage of the loan amount - like Rs 1,500 for a personal loan, or 0.25% of the loan amount on a car loan. This effectively reduces the final loan amount you get. The EMI is calculated based on the loan amount and the interest rate. But given that the effective final loan amount has reduced, it means that you are paying a higher interest rate. This interest rate is what we called as effective interest rate that you pay

Please use the feedback card or go to the right side menu to give any feedback to us. We take your feedback and inputs seriously