Stupid simple spend tracking for lazy Singaporeans.

MoneyGoWhere listens to your banks' push notifications and keeps track of all your spending in the background. No complex set-up, just make sure every PayNow and card transaction triggers a push notification. Your phone will take care of the rest.

MoneyGoWhere supports these banking apps

American ExpressAmerican Express
CitibankCitibank
DBSDBS
HSBCHSBC
MaribankMaribank
MaybankMaybank
OCBCOCBC
POSBPOSB
TrustTrust
UOBUOB

Disclaimer: MoneyGoWhere is an unofficial solution that is not affiliated with any bank. The only reason why it is possible for MoneyGoWhere to parse your transaction notifications is because of Android's NotificationListenerService API, which allows apps to read all notifications on your phone with your permission.

Frequently asked questions

How does this work?

MoneyGoWhere reads the push notifications sent by your banking apps — the same alerts you already get for every card transaction and PayNow transfer. It sends those notification texts to our server, which uses OpenAI to extract the merchant name, amount, and transaction type, then returns the results to your phone. Your spending log is saved locally on your device. No bank logins, no screen scraping, just your existing notifications.

Wow, giving you access to my push notifications is dangerous. Why should I trust this app?

Notification text is sent to MoneyGoWhere's server for parsing, and from there to OpenAI's API. We do not store your transaction history on our servers — it lives locally on your phone. The app reads notification text only (e.g. “You’ve spent SGD 120 at Shady Avenue”), which should never contain your account credentials or full account numbers in the first place.

MoneyGoWhere only reads notifications from a fixed allowlist of banking apps. Everything else — SMS, messaging apps, email, and the like — is ignored entirely and never sent to any external server or AI service.

Allowed banking apps

American ExpressAmerican Express
CitibankCitibank
DBSDBS
HSBCHSBC
MaribankMaribank
MaybankMaybank
OCBCOCBC
POSBPOSB
TrustTrust
UOBUOB

I get the idea, but how do I ensure that there's no funky business happening behind my back?

It is technically possible to inspect outgoing network requests coming from the MoneyGoWhere mobile app using readily available tools. Do call the police on me if you find anything suspicious, such as forwarding notifications that are not from the whitelisted list of banking apps.

See privacy policy for more details on how MoneyGoWhere handles your data.

Hmm... Still uncomfortable with my banks' push notifications being sent to your server.

Completely understandable. I'm working on an open source version of the web server that you'll be able to host yourself. You will then be able to configure the mobile app to use your own server for parsing notifications. This way, none of your notifications will ever reach me.