# DebitWatch — Catch silent debit orders.

> Catch silent debit orders. (iPhone/iPad app by Vuyo Nkadimeng.)

- Source: https://appshunter.io/ios/app/debitwatch/id6767868718 (this page in markdown: same URL + `.md`)
- Developer: [Vuyo Nkadimeng](https://appshunter.io/developer/1896499743)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 16.0 · 3 MB
- Languages: English
- Released: 2026-05-19
- Data updated: 2026-06-23
- User reviews in markdown: https://appshunter.io/ios/app/debitwatch/id6767868718/reviews.md

## What is DebitWatch?

Most South Africans only notice a bad debit order when their balance is wrong. DebitWatch is the vault that catches it first.

DebitWatch is a private watchdog for the recurring debits hitting your current account — Discovery, OUTsurance, Planet Fitness, Netflix, NAEDO collections, MOBISUB charges, the lot. It surfaces every recurring debit, flags the suspicious ones, forecasts the next 90 days of cash leaving your account, and helps you dispute or cancel anything you don't recognise.

Built for all major South African bank account holders. Fully on-device. We literally cannot move your money — DebitWatch is read-only by design.

WHAT IT DOES

· Recurring-debit detector. Import any SA bank CSV statement — we auto-detect the columns, find the recurring patterns, and add them to your watchlist.

· SA-tuned risk engine. Flags NAEDO collector hits, MOBISUB-style anonymous subscriptions, post-payday first-time charges, amount drift, and looming annual renewals.

· 90-day forecast calendar. Gold dots on the days money is leaving. Pick a window of 30, 60, or 90 days.

· One-tap dispute. Drafts a SARB-compliant dispute letter pre-filled with the merchant, reference, amount, and date. Opens in Mail, addressed to your bank's disputes inbox.

· Vault locking. Seal a debit into the vault to stop it counting against your protection score and outflow.

· Local notifications. A reminder the morning of every upcoming debit, scheduled 90 days ahead.

· Vault Seals. Eight achievement seals to collect as you keep your vault clean — First Lock, Watchdog, Auditor, Disputer, Vigilant, Steel Resolve, Treasury, Vault Keeper.

· Private by default. Statements never leave your phone unless you explicitly export them. No tracking. No advertising. No analytics.

WHY IT EXISTS

NAEDO and DebiCheck were built to make recurring debits convenient. They're also the abuse vector behind most of the unauthorised debits hitting SA current accounts every month. R200 here, R299 there, an "annual renewal" you forgot about — it adds up to thousands a year.

DebitWatch gives you a single pane of glass over every recurring outflow, so you catch the silent ones early.

PRIVACY POSTURE

· Read-only. Cannot make a payment from your account.
· On-device. Your debit history is stored in this app's sandbox only.
· Optional export. Your data stays yours, in a single JSON file you can share or delete.

DebitWatch is a personal vigilance tool, not a banking app. You always send any dispute or cancellation yourself, through your bank's official channels.


## Version history (last 3 releases)

### 1.2.2 — 2026-06-09

· Fixed CSV imports from all major South African banks.
· Bank statement import no longer mistakes a deposit for a debit when a column is blank.
· Better date and amount detection (DR/CR markers, bracketed and signed amounts).
· Two different debits are no longer merged into one when descriptions are mostly reference codes.
· New: Delete Account in Settings.
· Navigation now consistent across iPad and iPhone.
· Still fully on-device. No banking integration. No tracking. No advertising.

### 1.0.1 — 2026-05-21

First public release.

· Detects recurring debits across FNB, Standard Bank, Capitec, Nedbank, Absa, and TymeBank CSV exports.
· SA-tuned risk engine for NAEDO and MOBISUB-style anonymous charges.
· 30 / 60 / 90-day forecast calendar.
· One-tap dispute letters, addressed to your bank.
· Vault Seals — eight achievements to collect as you keep your vault clean.
· Fully on-device. No tracking. No advertising.

### 1.0 — 2026-05-19

No release notes.

## More apps by Vuyo Nkadimeng

- [The Daily Me: Private Journal](https://appshunter.io/ios/app/the-daily-me-private-journal/id6767688832)
- [Ampere — Risk Instrument](https://appshunter.io/ios/app/ampere-risk-instrument/id6768036117)
- [LedgerAI](https://appshunter.io/ios/app/ledgerai/id6770423760)
- [TradeReady — Trades Training](https://appshunter.io/ios/app/tradeready-trades-training/id6775974743)
- [Folio: Private PDF Tools](https://appshunter.io/ios/app/folio-private-pdf-tools/id6776004468)

All apps by Vuyo Nkadimeng: https://appshunter.io/developer/1896499743

## Related topics

[vuyo nkadimeng](https://appshunter.io/ios/topics/vuyo-nkadimeng)

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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 2026-06-23.*