Dubai First already texts you every time money moves. PennyWise reads those messages on your phone and builds your spending record from them — no manual entry, no bank login, nothing leaves the device.
Everything above is extracted by an on-device parser written specifically for Dubai First's message formats. You can see it run on your own message, without installing anything: open the parser tool and paste in one of your Dubai First messages.
Apps that aggregate accounts ask for your net-banking or account credentials and hold your transaction history on their servers. PennyWise asks for neither. It has no account system, makes no network calls to read your money, and its full source is published under AGPL-3.0 so the claim is checkable rather than promised.
Yes. Dubai First is one of 169 banks and payment services PennyWise recognises. Transaction alerts from Dubai First are detected automatically and turned into categorised transactions in AED.
No. PennyWise reads the transaction SMS Dubai First already sends you and creates the entry itself — amount, merchant, date, account and running balance where the message includes it.
Never. PennyWise has no login to your bank and no connection to Dubai First at all. It only reads the SMS already sitting on your phone, which is why it needs SMS permission and nothing else.
No. Parsing runs entirely on your device. There is no server, no account and no analytics on your financial data, and the source code is public so this can be verified.
You can paste the message into the parser tool on this site to see exactly what PennyWise extracts, and report it in one click if it is wrong. Parser fixes ship in the next release.
7 supported in UAE — see them all.
