ATM Flow vs SpendPad

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 and Arabic-Indic numerals • 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.

Ever wonder where your money actually goes? SpendPad makes it dead simple to find out. No bank connections, no complicated setup. Just open the app and start tracking. That's it. Log your expenses and income in seconds. See exactly how much you're spending, where it's going, and how much you have left. Whether it's rent, groceries, subscriptions, or that coffee you swore you'd stop buying. BUDGETS THAT ACTUALLY WORK Set a budget for any category. SpendPad shows you in real time how close you are to your limit. No surprises at the end of the month. You'll know exactly where you stand, every single day. MULTIPLE ACCOUNTS, ONE PLACE Checking, savings, cash, credit cards. Keep them all organized in one app. See your full picture without switching between banking apps. RECURRING PAYMENTS ON AUTOPILOT Rent. Netflix. Gym. Phone bill. Set them up once and SpendPad tracks them automatically. You'll never forget a payment again, and you'll always know what's coming up. AI CHAT THAT KNOWS YOUR SPENDING Ask questions about your money. "How much did I spend on food this month?" or "Am I on track with my budget?" Get instant answers based on your actual data. It's like having a financial buddy in your pocket. REMINDERS WHEN YOU NEED THEM Get notified before bills are due. Get alerts when you're close to your budget limit. Stay on top of things without having to think about it. STATS THAT TELL A STORY Beautiful charts and breakdowns that show your spending patterns over time. Daily, weekly, monthly. Compare periods and spot trends. Finally understand your habits. YOUR CATEGORIES, YOUR WAY The default categories not working for you? Create your own. Name them whatever you want, pick an icon, and organize your finances the way that makes sense to YOU. SHARE WITH YOUR PEOPLE Managing money with a partner or roommate? Share an account and track expenses together. Everyone stays in the loop. PRIVATE AND SECURE Lock the app with Face ID or fingerprint. Your financial data stays on your device. No bank connections means nothing sensitive to leak. NO ACCOUNT REQUIRED Start using SpendPad immediately. No sign-up, no email, no waiting. Just open and go. Create an account later only if you want to sync across devices. ATTACH RECEIPTS Snap a photo of your receipt and attach it to any transaction. Never lose track of what you bought or need for returns. EXPORT YOUR DATA Need your transactions in a spreadsheet? Export to CSV anytime and take your data wherever you need it. --- SpendPad is free to use. A premium subscription unlocks unlimited accounts, budgets, categories, recurring payments, data export, and unlimited AI chat. Premium is available as a monthly subscription, yearly subscription, or one-time lifetime purchase. Subscriptions are charged to your Apple ID account at confirmation of purchase and automatically renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel anytime in your Apple ID account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/