# ATM Flow — Private Manual Budgeting

> Private Manual Budgeting (iPhone/iPad app by Yousif Ameen.)

- Source: https://appshunter.io/ios/app/atm-flow/id6760952184 (this page in markdown: same URL + `.md`)
- Developer: [Yousif Ameen](https://appshunter.io/developer/367427978)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 18.6 · 7 MB
- Languages: American English, Arabic
- Released: 2026-07-31
- Data updated: 2026-08-03
- User reviews in markdown: https://appshunter.io/ios/app/atm-flow/id6760952184/reviews.md

## What is ATM Flow?

ATM Flow is a manual budgeting app built for people who want full control over their finances — and their data.

Unlike apps that scrape your bank feeds or require logins, ATM Flow keeps everything in your hands. You enter each transaction yourself, building mindful spending habits. Your data lives on your device and in your personal iCloud account. We never see it.

WHAT MAKES ATM FLOW DIFFERENT

• Fully bilingual — native Arabic and English with full RTL support, Arabic-Indic numerals, and configurable decimal separators
• Zero data collection — no analytics, no tracking, no accounts to create. Your financial data stays yours.
• iCloud sync across all your devices — encrypted by Apple, invisible to us
• Built for the Gulf — QAR, SAR, AED, KWD, BHD, OMR as first-class currencies alongside USD, EUR, GBP, and 7 more

FEATURES

• Dashboard with net worth, monthly spending breakdown, 30-day chart, budget progress, upcoming bills, and goals snapshot
• Custom categories with emoji icons — organize expenses your way
• Budgets per category or overall, with daily/weekly/monthly/yearly periods
• Financial goals with progress tracking
• Recurring transactions that auto-post bills and subscriptions
• Reports with income vs. expense, daily trends, and monthly comparisons
• Import transactions from bank statements (CSV, Excel, or PDF) with automatic duplicate flagging; export to JSON or CSV
• Dark mode and light mode with customizable accent colors
• Face ID / Touch ID app lock
• Daily reminder notifications
• Widget showing monthly spending at a glance

PRIVACY

ATM Flow collects zero data. No analytics frameworks. No servers. No tracking pixels. Your transactions are stored locally on your device and synced through your personal iCloud account using Apple's CloudKit. We cannot access, read, or process your financial information. Period.

Free forever. No subscriptions. No in-app purchases. No ads.

Built by Approve The Move — genuinely useful apps, always free.


## Version history (last 1 release)

### 1.0 — 2026-07-31

No release notes.

## More apps by Yousif Ameen

- [ATM Chat](https://appshunter.io/ios/app/atm-chat/id6760734160)
- [Qatari Cards](https://appshunter.io/ios/app/qatari-cards/id6760917981)
- [Unit Converter - ATM](https://appshunter.io/ios/app/unit-converter-atm/id6760981967)
- [ATM Currency Converter](https://appshunter.io/ios/app/atm-currency-converter/id6761050400)
- [ATM Split](https://appshunter.io/ios/app/atm-split/id6762064476)

All apps by Yousif Ameen: https://appshunter.io/developer/367427978

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-03.*