All your bank accounts and balances in one place

What the Accounts page shows

Accounts is the page in FinLens where your savings, salary and current accounts sit together. Each account appears as a card with its bank, the last 4 digits of its number, its latest balance and where that balance came from: the month of the last statement, or the day of the last alert. Above the cards are four figures: Total Bank Balance, Investments, Loans and Net Worth, which is your assets minus what you owe on cards and loans.

Below the bank accounts, the same page lists fixed deposits read from their advice or typed in, and the loans on your latest credit report. An Account Insights panel counts your accounts and your liquid cash, and Recent Account Activity shows the latest transactions across every bank. Credit cards have a page of their own.

Why keeping track of several bank accounts is hard

Many people in India hold accounts at more than one bank: one for salary, one from an old job, one for a home loan's EMI. Each bank has its own app, its own statement layout and its own password on the PDF. To know how much cash you have today, you sign in to each one and add the numbers up yourself.

FinLens reads what your banks already send you, the monthly statement and the debit and credit alerts, and turns them into one list you can search.

Who the bank account view is for

• Anyone with accounts at two or more banks who wants one total without opening several apps.
• People whose statements arrive as password-protected PDFs and pile up unread in the inbox.
• Anyone who wants a bank statement analyser that never needs a net banking login or password.
• Families who look after a parent's accounts alongside their own, through Family.

What you get from reading your bank statements in FinLens

How the bank statement analyser works

1. Open Accounts and tap Add Account

   The Add Bank Account screen opens. Pick your bank under Select Bank, or leave it on Other bank to have it detected from the file, then choose the statement PDF.

2. FinLens detects the details

   In the Detect Details step the rules read the bank, the period, every row, the balances and the account's last 4 digits while you watch. A locked PDF asks for its password here.

3. Review, only when needed

   FinLens stops to ask only if the statement does not print the account's last 4 digits, the bank you chose does not match the file, or the file could not be read.

4. The account appears

   At Ready the account is on Accounts with its balance and transactions. Uploading the same rows again never counts them twice.

5. Keep it current with Gmail (optional)

   Connect Gmail under Profile, Accounts & Connections. The hourly check from 06:00 to 23:00 IST reads your banks' alert e-mails and queues any statement PDF they attach.

What you need for bank statement analysis

• Bank statement PDFs, downloaded from net banking or attached to your bank's e-mail (up to 10 MB a file; the first 100 pages are read).
• The PDF's password, if the usual password shapes for your bank do not open it.
• The account's last 4 digits, only when the statement does not print them.
• Optionally, Gmail connected with read-only access, for alert e-mails and mailed statements.
• Optionally, a nickname, a primary account, or a manual balance with its date under Manage.

What FinLens reads from statements and alerts

• From a statement: the bank, the period, each transaction's date, narration, amount and direction, the running balance, the opening and closing balances, and details such as the branch and IFSC where printed.
• From an alert e-mail: the amount, the date, the payee or merchant, the channel (UPI, IMPS, NEFT, card, ATM) and the balance when the alert states one. The mail itself is not stored.
• A category for every transaction, decided by fixed rules; money moved between your own accounts is filed as a transfer, not spending.
• The account itself, saved with only the last 4 digits of its number, shown as •••• 1234. The statement file you upload is kept as you sent it, encrypted.

Good to know about the bank account view

• FinLens works from what your bank sends you and has no live link to your bank, so a balance is as fresh as the last statement or alert it has read.
• Eight banks have dedicated readers built from fixed rules; a statement from any other bank is read with AI help, as described next.
• A statement the rules cannot read is read once with AI help, with names and identifying numbers replaced by placeholders and the provider asked not to store the answer, and its reading is imported only if the same checks pass. A scanned PDF has no text to mask, so it is sent as it is.
• Alert e-mails are read only from senders FinLens has rules for, and mail you forward to yourself is ignored.
• FinLens shows your money and never moves it or makes a payment.

Questions about bank accounts in FinLens