Bayzaty
Privacy-first personal finance

Track every expense — without ever sharing your bank login.

Bayzaty reads the transaction alerts your bank already texts you and organizes them automatically. No Plaid. No credentials. No bank connection.

No credit card required
Privacy & Security

Your money data stays yours

We designed Bayzaty around one principle: your financial information should never leave your control.

No bank login, ever

We never see your bank username or password. No Plaid, no aggregators — just the alerts your bank already sends you.

Delete everything in one tap

See exactly what's stored, export it anytime, and wipe it for good. Real deletion — not "contact support."

No ads. Never sold.

We don't run ads and we never sell or share your financial data. Your spending isn't our product.

We don't keep your messages

Each SMS is turned into a clean transaction, then the original text is automatically deleted within 24 hours. We keep the expense, not the message.

Quick setup

Set up once in about 5 minutes.

A one-time setup gets your bank's transaction SMS feeding straight into Bayzaty. After that, every purchase organizes itself.

1

Your bank texts you a transaction alert

It already does this — every purchase, every charge. Nothing new to enable.

2

Bayzaty reads that SMS

Our AI turns it into a clean, categorized expense. Amount, merchant, card — all sorted automatically.

3

You see your spending, organized

Categories, budgets, trends, receipts — all in one place. No connections, no credentials.

The Difference

Bayzaty vs traditional budgeting apps

Bayzaty
Traditional apps
Bank login required
No
Yes (via Plaid/aggregators)
Full account access
No
Yes — read all balances + history
Data source
Just the SMS alerts you already get
Live API access to your accounts
Original messages stored
Auto-deleted within 24 hours
Often retained indefinitely
Your data monetized
Never
Often (anonymized "insights" sold)

Finance tracking that respects you.

Take control of your spending without giving up your privacy. No bank logins. No aggregators. Just the messages you already receive.

Free forever for personal use