Everything you need to know about Ginti — the expense tracker that works without a bank login.
No. Ginti never asks for your bank credentials. On iOS, you paste a bank alert and Ginti parses it. On Android, Ginti automatically reads your financial notifications. Either way, it reads the text — not your bank account.
Yes. Personal information (account numbers, card numbers, phone numbers) is stripped before AI processing. Ginti never asks for bank login credentials — it reads notifications, not your bank account. Your data is encrypted and stored securely via Google Cloud infrastructure.
No. Ginti does not request the READ_SMS or RECEIVE_SMS permission on Android. It uses a NotificationListenerService to read financial notifications your bank or payment app already sends you. On iOS there is no SMS access at all — you copy the message and paste it.
Ginti works with any bank or payment app that sends transaction alerts — Chase, Amex, Capital One, Bank of America, and thousands more worldwide. If the alert has an amount, Ginti can parse it. Indian payment apps including GPay, Paytm, and PhonePe are supported on Android via notification detection.
Ginti automatically detects and processes all major currencies worldwide — USD, EUR, GBP, INR, JPY, CAD, AUD, CHF, CNY, and BRL, among others. No manual setup needed.
Yes. Ginti supports INR natively and detects transaction notifications from GPay, Paytm, PhonePe, and Indian banks on Android. On iOS, users copy the SMS or alert and Ginti parses it on app open.
Partially. Transactions are queued offline and processed when you're back online. Your dashboard and existing data are always accessible.
Mint and YNAB require your bank login to sync transactions. Ginti works without any bank connection — just paste an alert and AI does the rest. No scraping, no risk.
Ginti uses a triple-fallback chain for reliability: Groq Llama 3.1 8B as the primary parser, Gemini Flash as a cold fallback, and Mistral Nemo (via OpenRouter) as a warm fallback. All sensitive data is stripped locally before any AI request.
Yes. Tap the + button on the home screen to add a transaction by hand. Useful for cash spending or alerts that weren't caught.
Ginti includes a 21-day free trial with no payment info required upfront. After the trial, the subscription is $79.99 per year (about $6.67 per month billed annually).
On iOS: Settings → Apple ID → Subscriptions → Ginti. On Android: Play Store → Profile → Payments & subscriptions → Subscriptions → Ginti. Cancellations take effect at the end of the current billing period.
Email hello@ginti.app — we reply within 24–48 hours on weekdays. You can also visit Support for troubleshooting guides.