Help
How can we help?
Step-by-step guides are on the way. Until then, here are answers to common questions.
Guides are coming soon
We're writing step-by-step guides for setting up Sanchay. Have a question or need help in the meantime? Write to us, and we'll get back to you.
Common questions
Is it really free?
Yes. There are no ads, no premium tier and no subscriptions. Every feature is available to everyone.
Do you read my SMS?
No. We can't. Your bank messages are read on your phone, never on a server. Sanchay picks out the amount and the merchant with its own built-in rules, and on iPhone, Apple Intelligence helps with messages the rules can't read. The message never leaves your phone and we never see it.
You choose whether to set this up at all.
Which phones does it work on?
Sanchay works on iPhones (iOS 17 or later) and Android phones.
On iPhone, logging from bank SMS needs iOS 26, and typing your own questions in Ask needs Apple Intelligence (iPhone 15 Pro or newer). On Android, both work on any phone, and Gemini Nano makes categories and Ask smarter on phones that have it, like recent Pixels and Galaxys.
Is there an Android version?
Yes. Sanchay on Android has the same budgets, Bachat Streak, stats, Ask, home-screen widget and on-device privacy, with Gemini Nano on supported phones, and logs your spends from bank and UPI app notifications. Quick log with Siri is iPhone-only.
What happens if I lose my phone?
On iPhone, if you turned on iCloud backup, restore it on your new iPhone and everything comes back.
If backup was off, or on Android, which has no backup, your data was only on that phone, so it's gone with it. There's no copy anywhere else, including with us.
Can I export my data?
Not as a file. Your data stays in the app. On iPhone, iCloud backup keeps a private copy that you can restore on a new iPhone.
How is this different from apps that link my bank?
Those apps get your transactions by connecting to your bank or reading your messages on their servers. Sanchay does all processing locally on your device instead. There's no bank login to give, no account to create, and nothing to upload.
Do I need an account?
No. There's no sign-up, no phone number and no OTP. Open the app and start.
Do you collect anything?
Your financial data never leaves your phone.
Anonymous usage analytics and crash reports are off by default. If you allow them, they help us fix bugs, and they never include amounts, names or merchants. You can turn them off again in Profile › Privacy & data. Read the privacy policy
Does it work with other currencies?
Yes. Sanchay supports 25 currencies, including the rupee, dollar, euro, pound and dirham. Pick yours in Preferences.