Family Expenses Insights

Your monobank statement, turned into answers. Three days free with your own statement, and you can see an example right away, before connecting the bank. The bank shows what you spent. Family Expenses Insights shows what to do about it: which subscriptions got more expensive, where spending broke your own usual pattern, and how much you can spend per day to stay within a normal month. WHAT YOU WILL SEE • How much is on your cards and where it goes — by month, quarter, year • A forecast: what will be charged in the coming days, and how much • Subscriptions you forgot about, and ones that quietly got pricier • Spending control: limits per category with a warning ahead of time, not after the fact • Where the money came from — salary, cash, interest, transfers from people • Year in review: records, habits, and what they cost per year FAMILY A teenager, elderly parents, a partner — with their consent and their own key. A breakdown by category and by transaction is there if you want to look, and the app only notifies about the things that usually come before trouble: betting, cash withdrawals at night, series of transfers, a card at zero before a trip. For older relatives this is the main sign of phone fraud — "withdraw everything and move it to a safe account". Seeing it in time matters more than learning the amount afterwards. ALERTS IN YOUR REGION Pick your region, and the air-raid alert status appears on every screen of the app, next to your money. Turn on notifications, and your phone will tell you when an alert starts and when it is over, even with the app closed. On iPhone the alert card appears on the Lock Screen, and on Apple Watch on your wrist. The data is the same as in the official "Air Alert" app. You choose the region; location is not used. Off until you turn it on yourself. CASHBACK AND MERCHANT CODES On the first of the month the app suggests which cashback category to pick — based on your own spending in previous months. It also shows merchants whose category code does not match what they sell: cashback is calculated by that code, so a wrong one costs you money. SUBSCRIPTION For three days the app works fully and for free — with your own statement, not demo numbers. After that a subscription is required: • $1.99 per month • $17.99 per year — a quarter cheaper The subscription renews automatically until you cancel it. Cancel any time in your Apple ID settings; access stays until the end of the paid period. You can see how the app works before connecting the bank — on an example with made-up data, without a key and without paying. PRIVACY The key is stored in Keychain, the statement stays on your device, and neither is sent anywhere. For alert notifications we store only a delivery address and your region. The monobank key is read-only: it cannot be used to transfer or withdraw money. The app can be locked with Face ID, and it hides numbers in the app switcher. An eye button hides every amount when someone is looking over your shoulder. LANGUAGES Ukrainian and English. — Family Expenses Insights is not an app, service or product of monobank and is not affiliated with the bank. It is a third-party app that reads your statement through the official open Personal API (api.monobank.ua) using a key you create yourself and can revoke at any time. Terms of Use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://app.glorytoukraine.uk/privacy-en