The questions worth asking first.

Any Android app that posts a notification when you pay — Google Wallet, most bank apps, Revolut and similar. You choose which ones Monetari is allowed to watch during setup, and you can change that list at any time. If an app does not notify you about a payment, Monetari cannot see it, and you would add that one by hand.

No, and there is nowhere to enter one. Monetari has no connection to your bank and no open-banking authorisation. It reads notifications your phone has already displayed to you, which is why it works with Croatian banks that open-banking aggregators do not cover.

Not yet. Android is first because it is the platform that lets an app read notifications from other apps with your explicit permission. iOS is on the roadmap — join the waitlist and you will hear when it ships.

Further payments can remain in your account-scoped device queue, and the app shows you how many are waiting. They are not turned into categorised transactions until the counter resets on the 1st of the next month or you upgrade to Premium. Waiting captures can expire first under the retention period you selected or be removed if you clear app data, clear the queue, sign out, or delete the account.

Yes, without limit. Manual entry is never metered on any plan. Running out of automatic captures changes how much typing a month costs you — it never stops you recording what you spent.

Yes. Captures are written to an account-scoped queue on your phone when the notification arrives. The app attempts to upload pending captures when it is active, reconnects, or receives an Android background-work opportunity; if an upload fails, the capture stays queued for that account. Offline time delays the payment reaching your ledger, and clearing the app’s data before upload also clears that local queue.

It still costs you one transaction. Captures are de-duplicated before they become transactions, so a chatty payment app cannot inflate your spending — and on the free plan a duplicate does not burn a second capture from your monthly allowance either.

Anything Monetari is not confident about goes to the review queue instead of quietly landing wrong, and one tap corrects it. Parsing itself runs on our server rather than inside the app, so when a bank changes its notification wording it can be fixed on our side rather than requiring an app update. Retryable parser failures can then be processed again.

Everything is reported in euro. Payments in other currencies are converted at the European Central Bank reference rate for the day the transaction occurred, and that rate is stored alongside the transaction so historical totals never silently change.

The current calendar month and the two before it — a rolling three-month window, so on 5 September that means July, August and September. Older transactions are not deleted, only hidden: they stay in your account and reappear in full when you subscribe. You can also request access or portability under applicable data-protection law regardless of plan.

Nothing is deleted solely because Premium ends. History beyond the free three-month window becomes hidden, self-service export becomes limited to that window, and saved budgets stop being enforced. Statutory access and portability requests remain available, and paid features return when you resubscribe.

Yes. Free accounts can self-export the history visible in their three-month window, and Premium accounts can self-export full history. Regardless of plan or subscription status, you can contact us to exercise applicable GDPR access or portability rights.