Payhay
100% Private · On-Device AI

Every expense, recorded automatically

Payhay reads the notification your bank already sends you and saves the transaction — amount, direction, currency — with zero typing. No manual entry, ever.

Get it on Google Play
Free to use · Optimized for Vietnamese banks (Experimental international support)
B
Your Banknow
Balance changed: -104,500 VND. Payment at COFFEE HOUSE…
On-device AI
Coffee House-104,500 VND
Today · 09:41Saved
Get it on Google Play
Free to use · Optimized for Vietnamese banks (Experimental international support)
One-time setup

Some banks need notifications turned on

Most banks send a notification every time your balance changes. A few stay silent.

Payhay can't record your spending without a notification from your bank. Turn on balance-change notifications in your bank's app. It only takes about 30 seconds — here's an example for MB Bank:

Step 1
MB Bank account screen — tap Biến động số dư (balance change)

Open your account details and tap "Biến động số dư" (balance change).

Step 2
MB Bank notification settings — select Nhận biến động số dư qua APP MBBank

Choose "Nhận biến động số dư qua APP MBBank" (receive via the MB app).

Step 3
MB Bank toggle — turn on Nhận thông báo

Turn on "Nhận thông báo" (receive notifications) for this device. Done — for good.

See it in action

A notification becomes an expense

  • Multi-currencyVND, USD, SGD, EUR, GBP, JPY — detected automatically.
  • Direction-awareMoney in or money out — Payhay tells them apart on its own.
  • Any bank, any formatPayhay learns each bank's notification style the first time it sees it.
When your bank stays silent

Share the receipt instead

Some banks never notify you about a card purchase. Rather than typing it in, share the receipt from your bank app into Payhay — the expense is added for you.

  • Two taps, no typingShare from your bank's own receipt screen, pick Payhay, done.
  • The image never leaves your phoneThe receipt is read with on-device OCR — nothing is uploaded, same as everything else in Payhay.
  • You stay where you arePayhay doesn't even open — a short confirmation tells you the expense was saved.

Your bank data never leaves your phone

  • On-device AI, alwaysNotification text is parsed entirely on your phone — never uploaded to any server.
  • Nothing to leakThere's no cloud copy of your transaction history to be breached in the first place.
  • Open about the restPayhay only makes network calls to download the AI model once and send error reports. It never automatically transmits your notification content.

Stop typing your expenses

Free to use. Set up in under a minute. Let your phone do the bookkeeping.

Get it on Google Play