Read-only account access
When you connect a bank account, Spenzaa can only view transactions to categorize and analyze them. It cannot move money, initiate payments, or change anything inside your bank. It is a viewing tool, not a payment tool.
How Spenzaa works — and how we use your data
Two things people always ask before trying a finance app: how does it actually work, and what happens to my data? Here are straight answers to both.
Up and running in 3 minutes
No lengthy onboarding, no confusing forms. Spenzaa combines artificial intelligence with financial automation to make money management effortless.
1
Securely connect your accounts
Safely connect your supported financial accounts in a few clicks, or skip connecting entirely and add expenses manually by photographing receipts. Spenzaa uses bank-grade encryption and secure authentication throughout.
2
AI organizes your transactions
Forget manual entry. Spenzaa's AI recognizes merchants, payment descriptions and spending patterns to categorize every transaction — from groceries and fuel to subscriptions and rent — automatically.
3
Understand your spending habits
See where your money goes, track spending by category, spot recurring subscriptions, and identify overspending before it becomes a problem — not after your statement arrives.
4
Get personalized recommendations
Spenzaa analyzes your patterns and goals to suggest smarter budgets, flag unnecessary expenses, and highlight savings opportunities tailored specifically to how you actually spend.
Exactly how we use your data
Financial information deserves the highest level of protection. Here is precisely what Spenzaa does — and does not do — with your data.
256-bit AES encryption
Your data is protected using the same encryption standard used by banks and governments, both while stored and while traveling between your bank and the app. You can also lock the app itself with Face ID or fingerprint.
We never sell your data
Many free apps make money by selling what you buy and where you shop to advertisers. Spenzaa doesn't. Our revenue comes from an optional Pro plan — not from your spending history.
Delete everything, anytime
Go to Settings and tap one button to permanently delete your account. Every piece of your data is wiped — no copies kept, no exit survey required. Full details on our account deletion page.
Read the complete legal detail in our Privacy Policy and AI Usage Policy.
Quick answers
Is it safe to connect my bank accounts to Spenzaa?
Yes. Connecting only grants read-only access — Spenzaa can see transactions to sort them, but it cannot move your money, pay bills, or alter anything in your bank account.
Does Spenzaa sell my financial data?
No, never. We make money from optional Pro subscriptions, not from selling your data to advertisers or data brokers.
How long does setup take?
About 3 minutes. Download the app, connect an account (or log expenses manually), and the AI starts organizing your spending immediately.
Ready to see it for yourself?
Free to start, no credit card required — set up takes about 3 minutes.