How it works, step by step.

From download to your first chart in minutes. Dispendo does the tedious part, you keep the decisions.

  1. Step 1

    Connect your accounts

    Create an account with email, Apple or Google. Then pick your bank: you're taken to its app or website to give consent, then back to Dispendo.

    • Multiple accounts, even across banks
    • Consent happens at your bank: credentials stay there
    • Every so often your bank asks you to renew it: regulations require it
    9:41

    Collega un conto

    Autorizzi direttamente dalla tua banca. Noi non vediamo mai le credenziali.

    FFinecoCollega
    IIntesa SanpaoloCollega
    HHYPECollega
    RRevolutCollega
    NN26Collega
    🔒

    Open Banking PSD2 · connessione regolamentata e sicura

  2. No bank needed

    Or add things manually

    Connecting is convenient, not mandatory. Cash, unsupported accounts or past history: add them in seconds.

    • Fast keypad and category grid
    • CSV or Excel import, with a ready-made template
    • Recurring expenses added automatically every month
    9:41

    Nuova spesa

    € 12,50

    🛒Spesa
    🍝Ristoranti
    🚇Trasporti
    🎧Abbonamenti
    🏠Casa
    🎬Svago
    💊Salute
    📦Altro
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    ,
    0
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    Salva

  3. Step 2

    Transactions sort themselves

    Dispendo syncs your transactions, cleans up the bank's technical text and gives each one its category.

    • The merchant's name instead of cryptic codes
    • Transfers between your accounts excluded from income and spending
    • A notification when there's something new
    9:41

    Saldo totale

    € 2.847,52

    Budget di giugno€ 640 / € 900

    Oggi

    🛒

    Esselunga

    Spesa

    −34,20 €

    🚇

    ATM Milano

    Trasporti

    −2,20 €

    🎧

    Spotify

    Abbonamenti

    −10,99 €

    Ieri

    📦

    Stipendio

    Altro

    +1.850,00 €

    🍝

    Trattoria da Gino

    Ristoranti

    −28,50 €

    ● HomeAnalisiAggiungiConti

  4. Step 3

    Review only what matters

    When a transaction is truly ambiguous it lands in a review list. Confirm or correct with one tap.

    • Your choice also takes priority on similar future transactions
    • Your own categories: create, edit, reorder
    • The more you use it, the less there is to review
    9:41

    Da rivedere

    3 in coda

    Solo i casi ambigui finiscono qui: conferma o correggi.

    PAYPAL *STEAMGAMES

    🎬

    Svago?

    ConfermaCambia

    SUMUP *BAR CENTRALE MI

    🍝

    Ristoranti?

    ConfermaCambia

    ADDEBITO SDD TELEPASS

    🚇

    Trasporti?

    ConfermaCambia

    Le tue correzioni hanno la precedenza

  5. Step 4

    Understand and plan

    With everything in place the numbers speak: where you spend, how it changes month to month, how much budget is left.

    • Spending by category and monthly trend
    • Monthly budgets per category, with an alert as you get close
    • Shared wallets for joint expenses
    9:41

    Giugno 2026

    € 921
    Spesa32%
    Casa24%
    Ristoranti18%
    Trasporti12%
    G
    F
    M
    A
    M
    G

From bank text to category

Transactions arrive as technical strings. Here are a few examples of how you see them in Dispendo.

  • From the bank

    PAGAMENTO POS 23,40 EUR DEL 12.03 PRESSO ESSELUNGA SPA MILANO IT

    In Dispendo

    Esselunga🛒 Groceries

    The merchant is extracted from the bank's text.

  • From the bank

    PAYPAL *SPOTIFY 35314369001

    In Dispendo

    Spotify📱 Subscriptions

    Even behind PayPal, it finds who you actually paid.

  • From the bank

    ADDEBITO SDD ENEL ENERGIA SPA FATTURA 004512

    In Dispendo

    Enel Energia⚡ Bills & Utilities

    Direct debits land in the right category.

  • From the bank

    GIROCONTO DA C/C FINECO A C/C HYPE

    In Dispendo

    Transfer↔️ Excluded from totals

    Moving money between your accounts doesn't inflate spending or income.

How it picks a category

Without the technical details, the order it follows.

  1. 1

    Your choices first

    If you've already corrected a merchant, your decision stands.

  2. 2

    Then what it knows

    Known merchants and clear transaction signals cover most cases.

  3. 3

    Extra help for hard cases

    For what's left it also uses AI, with data reduced to the minimum.

  4. 4

    When unsure, it asks you

    If it isn't confident it doesn't guess: the transaction goes to review.

What about my data?

Read-only access, credentials that stay with your bank, minimized data for AI. It's all explained on the dedicated page.

Privacy & security

More clarity. Less work.

Available for iPhone and Android, with a 7-day free trial.

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