ATM Flow vs Thumal

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.

Your smart companion's allowance to organize your daily expenses Thumal answers the permanent question, where did my salary go? Easily record your expenses, or auto-link to record transactions from bank messages via Apple shortcuts, then track your spending, budget, and financial goals from one place. With Thumal you can: • Automatically record expenses from banking transaction messages after preparing the shortcut. • Manually adding and modifying expenses. • Classify your expenses to know where your owner is going. • Follow up your monthly spending and budget. • See reports that help you understand your financial habits. • Create financial goals and follow up your progress towards achieving them. • Know the amount you need to save to reach your goals on time. It doesn't just record numbers; it helps you form a clearer picture of your financial behavior and make better decisions over time. Your expenses are clearer. Your goals are closer. And your money is under your eyes.