● NOW ON iOS & ANDROID

Money that
actually
makes sense.

No bank login required. Upload your bank statement and get instant AI-powered insights in seconds. Private by design.

Bank-grade encryption Face ID & PIN Free — no card needed No bank login ever required
Tuesday, 8 May
Hi, Aisha.
A
NET CASHFLOW
£2,481.50
↑ +12.4%
INCOME
£4,250
SPENT
£1,768
68%
Monthly budget
£1,768 of £2,600
ON TRACK
Eating out down 43% this month. Nice work.
AI insight
You're £612 under budget
NO BANK CONNECTION REQUIRED

Get your money in,
three private ways.

You stay in control of your data. Bring your transactions in however suits you — Expenzez never asks to log into your bank.

Expenzez — Upload a bank statement PDF
01 / 03

Upload a bank statement PDF

Drop in the PDF your bank already gives you. Expenzez reads every transaction and categorises it with AI — no bank login, no Open Banking connection.

Expenzez — Import CSV from any UK bank
02 / 03

Import CSV from any UK bank

Export a CSV from your online banking and import it in one tap. Works with Monzo, Barclays, HSBC, Lloyds, Starling and the rest.

Expenzez — Add cash & side income manually
03 / 03

Add cash & side income manually

Log cash spending, tips, or freelance income in seconds. Everything lands in the same dashboard alongside your imported transactions.

EVERYTHING IN ONE APP

Smarter than a spreadsheet.
Friendlier than your bank.

EXPENZEZ AI
Ask anything about your money. Get answers in seconds.

"How am I doing this month?" "Can I afford a holiday in August?" Your personal money assistant, available 24/7.

Can I afford £400 on a flight?
Yes — you'll still have £612 safe spending this month.
PDF, CSV & manual import

Upload a statement PDF, import a CSV, or add cash in a tap. AI categorises every transaction automatically.

Budgets that actually work

Set targets per category. Get nudges before you overspend, not after.

Credit health, monthly

Track your score, get personalised tips, and watch it grow.

764↑ +12
Spot recurring charges

Expenzez flags subscriptions across your transactions and reminds you before each bill is due.

Cost-of-living comparison

Benchmark your spending against UK averages by category, so you know exactly where you stand.

🇬🇧 UK
GBP-first, UK benchmarks built in
<60s
to your first insight
5
focused tabs — no clutter
£0
to download · Premium optional
SIMPLE PRICING

Free forever. Pro when you need it.

Free
£0/forever

Everything you need to take control.

Track unlimited transactions
AI auto-categorisation
Up to 5 budgets
Spending insights & charts
Manual & CSV import
Get started — free
Pro
SAVE 40%
£4.99/month, billed yearly

Unlock AI, credit health, and more.

Everything in Free
Unlimited AI assistant
Credit health monitor
Cost-of-living benchmarks
Bill reminders
Priority support
Start 7-day free trial
Cancel anytime
FAQ

Questions, answered.

How does the AI financial assistant work?
The assistant analyses your spending, income, and goals to surface personalised insights. Ask anything in plain English — "Where am I spending most this month?", "Can I afford this purchase?" — and it answers using your actual data, not generic advice.
How do I add transactions?
Two ways: 1) Add manually for cash, one-offs, or quick entries. 2) Bulk-import a CSV (bank statement, credit card export, or another app). Expenzez auto-categorises everything and you can fine-tune at any time.
Can Expenzez help me save money?
Yes — it spots forgotten subscriptions, flags categories drifting over budget, suggests realistic budget adjustments, and benchmarks your spending against UK averages so you see exactly where to trim.
Does it track my credit score and credit cards?
Yes. Expenzez monitors your credit score over time, tracks balances and due dates across all your cards, and shows utilisation, payoff timelines, and total interest in one place.
Is my financial data secure?
Security is the top priority. All data is encrypted in transit and at rest. The app is protected with Face ID / Touch ID and an optional PIN. Your data is never sold, shared, or used to train third-party models.

Take control today.

Free to download. No credit card. An AI money assistant in your pocket in under a minute.

We use privacy-respecting analytics to improve Expenzez. See our Privacy Policy.