Mây Coffee Credit card · Coffee
−59,000đ For banks & cards in Vietnam · Telegram + Zalo
Swipe it.Send it.It’s already logged.
Your credit card swipes and bank transfers record themselves in your Telegram or Zalo chat. You never type one in.
- No bank password
- No OTP
- No card number to hand over
Works with banks our providers support, plus cards whose bank emails you about each successful payment. Today that means 10 banks through SePay, plus card emails from Cake by VPBank. See what’s supported
Card swipe
+18.5M
Bank transfer Tap the card or the transfer to try it
MyMoneyWent bot · online
Example -
Card swipe just now -
Bank transfer in just now Sao Mai JSC Bank ••0912+18,500,000đ -
Card swipe just now Chợ Nhà Fresh Credit card · Groceries−312,000đ -
Bank transfer out just now Chị Lan Bank ••0912 · Home−4,500,000đ -
Card swipe just now Go Ride Credit card · Transport−38,000đ -
Bank transfer in just now Anh Khoa Bank ••0912+185,000đ -
Card swipe just now Phim Plus Credit card · Subscriptions−79,000đ -
Bank transfer out just now Cô Tư Rau Bank ••0912 · Groceries−120,000đ
- Typed by you
- 0
- Logged for you
- 3
The chore
Three days of typing. Then you forget.
Apps that ask you to log every purchase by hand often get abandoned, and what’s left is only what you remembered to type. Here is one coffee, both ways.
The usual way
6 steps, every single time
…then again for the next one.
With MyMoneyWent
0 steps
Pay the way you always do.
Example Card swipe just now Card swipe just now
Mây Coffee Credit card · Coffee
−59,000đ Go Ride Credit card · Transport
−38,000đ Nothing to open. Nothing to type. A new merchant gets one quick question.
How it works
Money moves. A line appears.
Two ways in, one chat out. Follow each signal to where it lands.
Credit card
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You swipe or tap your card
Café, groceries, an online order. Nothing changes for you.
card payment -
Your bank sends its usual alert
The notification email your bank already sends after a card payment.
alert email
Bank transfer
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You send or get a transfer
Pay a friend, scan a QR, receive your salary. Same as always.
money moves -
A provider spots it
A bank-connection provider such as SePay notices it and tells us.
usually within seconds
MyMoneyWent bot · online
Example Card swipe just now Mây Coffee Credit card · Coffee−59,000đBank transfer in just now Sao Mai JSC Bank ••0912+18,500,000đ
A sorted line lands in your chat
In Telegram or Zalo, sorted into categories. A merchant it doesn’t know gets one question.
Never needed
- Bank login
- Password
- OTP
- Card number
Credit cards
Credit cards log themselves too.
Card swipes are easy to lose track of until the statement closes. MyMoneyWent logs each one from the alert email your bank already sends, and tracks what it earns you.
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Logged from the alert email
The alert email becomes a line in your chat, filed under your credit card.
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Your statement cycle, kept
Tell it your statement day once. Cashback caps and the minimum-spend gate follow your cycle, not the calendar month.
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Cashback, per swipe
See what each swipe earns, with category caps and the minimum spend tracked through the cycle. Included in Pro.
Drag the day, or press play, and watch a month of swipes log themselves.
Scrub the cycle
Sample data- Spent in cashback categories
- 0đ
- Cashback so far Pro
- 0đ
Minimum spend 0%
Pending: spend 1,000,000đ more in cashback categories to unlock
Latest swipes
- No swipes yet. Drag the day forward.
Sample card: 10% back on coffee, groceries and rides, up to 100,000đ of cashback per category per cycle. Cashback stays pending until 1,000,000đ is spent in those categories.
Real life
Life happens at the till, not the keyboard.
Coffee, groceries, the ride home. You pay the way you always have, and the log takes care of itself.
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08:15 Tap at the café Card swipe just now Mây Coffee Credit card · Coffee−59,000đ -
11:40 Scan a QR at the market Bank transfer out just now Cô Tư Rau Bank ••0912 · Groceries−120,000đ -
18:05 Pay for the ride home Card swipe just now Go Ride Credit card · Transport−38,000đ -
20:30 Get paid back on the move Bank transfer in just now Anh Khoa Bank ••0912+185,000đ
Sample lines for illustration.
In the chat you already use
Teach it once. After that, it files itself.
The first time a merchant shows up, pick a category and say yes to a rule. MyMoneyWent remembers, so next time the line arrives already filed.
- 1A new merchant shows up
- 2You pick a category and create a rule
- 3Next time it files itself
Telegram has buttons. Zalo works by typing short replies, like a number. Same bot either way.
Picking a category is free. Saving your own rules is part of Pro (up to 10); Free uses the default rules.
Try it: pick a category, create the rule, then swipe again.
MyMoneyWent bot · online
Example Card swipe just now Mây Coffee Credit card · Needs a category−59,000đ-
New merchant. Which category?
New merchant. Reply with a number:
- 1 Coffee
- 2 Groceries
- 3 Shopping
- 4 Dining
-
- Y
-
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Card swipe just now Mây Coffee Credit card · Coffee−59,000đFiled automatically
Spending report
Pro Sample dataTotal spent11,085,000đ
- Home4,500,000đ40.6%
- Groceries2,350,000đ21.2%
- Dining1,420,000đ12.8%
- Shopping1,150,000đ10.4%
- Transport780,000đ7.0%
- Coffee640,000đ5.8%
- Subscriptions245,000đ2.2%
| Name | Amount | Share |
|---|---|---|
| Home | 4,500,000đ | 40.6% |
| Groceries | 2,350,000đ | 21.2% |
| Dining | 1,420,000đ | 12.8% |
| Shopping | 1,150,000đ | 10.4% |
| Transport | 780,000đ | 7.0% |
| Coffee | 640,000đ | 5.8% |
| Subscriptions | 245,000đ | 2.2% |
| Total spent | 11,085,000đ | 100.0% |
Then it adds up
A report, whenever you ask.
Type /report and see where it went: by category or by account, for the week, month, quarter or year.
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Two lenses
Flip between category and account in place, no retyping.
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Four periods
Week, month, quarter or year, one tap each.
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Built from real lines
Every number is a sum of the lines your connected accounts and cards logged, so it doesn’t depend on what you remembered to type.
ProReports are part of Pro.
Small things that add up
The rest of the toolbox.
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Budgets that talk back
ProSet a monthly cap per category. Every logged line in a budgeted category shows what’s left, and warns you before you run out.
Dining1,769,000đ / 2,000,000đAlmost out. Careful! Remaining 231,000đ
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Today, in one tap
FreeAsk for /today any time to see your day-to-day spending against the daily limit you set, and get an end-of-day recap without asking.
Day-to-day spending
312,000đ
of a 500,000đ daily cap · 188,000đ left
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Telegram and Zalo
Telegram uses buttons that edit in place. Zalo uses numbered replies. Use the one you already open every day.
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English and Vietnamese
Menus and prompts in English or Vietnamese. Switch with /lang, any time.
Budgets are part of Pro. /today and the end-of-day recap are free.
What it works with
Honest about what’s supported.
Two ways in, so two lists.
Today the open-source bot you run yourself works with the first 10 of these 15 banks and with Cake by VPBank cards. The hosted launch is planned to add the last 5.
- Your bank
- Bank-connection provider SePay today, ApiPay planned
- Your chat Telegram or Zalo
Bank accounts & QR transfers
A transfer usually appears in your chat within seconds.
Lists as of 2026, and they can change.
Not on the list? Say so on the waitlist
- Your card
- Alert email from your bank
- Your chat Telegram or Zalo
Credit and debit cards
Banks that email you about each successful card payment can be supported: Cake by VPBank today, more soon.
It reads the alert email your bank already sends for each successful payment.
Works today
Cake Freedom card cashback template Pro at launch
Coming soon
Cake by VPBank debit cards work the same way, minus statement cycles and cashback.
Another bank? Say so on the waitlist
Not every bank works, and we won’t pretend it does.
Read the bank & card guideTrust
We never ask for your bank password.
MyMoneyWent works from notifications, not logins. It receives the note your bank or provider already sends. It never opens your bank.
What we never ask for
- Bank login
- Password
- OTP
- Card number
What reaches us
- Transfers
-
- Amount
- Time
- Description
- Which account
Sent by a bank-connection provider such as SePay, once you’ve linked your account with it. Senders can put names or references in the description.
- Cards
The alert email your bank already sends after each payment.
No invented numbers
No user counts, no testimonials, no “as seen in”. The hosted version hasn’t launched, and we say so.
How the hosted version stores data is still being finalised. We will publish it before anyone connects an account.
Pricing, planned
Start free. Upgrade when you want the full picture.
Automatic capture is free. Pro adds reports, budgets, cashback tracking and room to grow.
Free
$0Planned
Automatic capture, free.
- Sources
- 1 bank or card
- Monthly cap
- 45 transactions
- History
- 30 days
- Automatic capture of bank transfers and card swipes
- 1 bank account or card
- 45 recorded transactions a month
- 30 days of history
- One-tap categories: 5 default and 3 custom
- /today and the end-of-day recap
Pro
Everything$7.9/monthPlanned
The full picture.
- Sources
- 3 banks or cards
- Monthly cap
- Unlimited
- History
- Unlimited
- Everything in Free
- 3 bank accounts or cards
- Unlimited transactions and history
- Reports by week, month, quarter and year
- Budgets per category
- Credit-card cashback tracking
- 20 categories and 10 custom keyword rules
- CSV export
Planned pricing, and it may change at launch. Nothing to pay today.
Compare every limit
| Feature | Free | Pro |
|---|---|---|
| Automatic capture, bank and card | Included | Included |
| One-tap categorizing | Included | Included |
| /today and end-of-day recap | Included | Included |
| Recorded transactions per month | 45 | Unlimited |
| Bank accounts and cards | 1 | 3 |
| History | 30 days | Unlimited |
| Categories | 5 default + 3 custom | 20 |
| Keyword rules | Defaults only | 10 custom |
| Reports: week, month, quarter, year | Not included | Included |
| Category budgets | Not included | Included |
| Credit-card cashback tracking | Not included | Included |
| CSV export | Not included | Included |
Open source
Prefer to run it yourself? You can.
The open-source version of the bot, under the MIT license. Self-host it today, no waitlist needed.
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Read every line
MIT license. Fork it, ship it, change it.
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Your data, your sheet
Everything lives in a Google Sheet you own. Export it, pivot it or edit it by hand.
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You pay for hosting only
About $5 a month on Railway, or from about $2.60 on a Vietnamese VPS (prices checked September 2026). The code is free.
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Real setup, with help
You create a Telegram bot (plus a Zalo bot if you want Zalo too), a Google Sheet and a SePay account, then deploy. The repo includes a ready-made prompt that lets an AI assistant walk you through it.
The hosted version skips all of that. That’s what the waitlist is for.
FAQ
Questions, answered straight.
Search, filter by topic or open every answer at once.
Plans & Self-host Is the hosted version live, and what do Free and Pro include?
Not yet. Leave your email on the waitlist and we’ll email you when it opens. Planned tiers: Free includes automatic capture for one account or card, 45 recorded transactions a month and 30 days of history. Pro ($7.9/mo planned) includes unlimited transactions and history, three accounts or cards, reports, budgets, cashback tracking and CSV export. Pricing is planned and may change at launch.
Security & Banks Does MyMoneyWent log into my bank?
No. It never asks for your bank login, password, OTP or card number. It only receives transaction notices: transfer notifications from a bank-connection provider such as SePay, and the alert emails your bank already sends for card payments.
Security & Banks Where does my data live, and what happens to it?
When you self-host, your data stays in your own Google Sheet. The hosted version hasn’t launched yet, and its storage, privacy and deletion terms will be published before anyone connects an account. On this page we collect your email and, only if you choose to answer, which chat app and which banks or cards you use. We also note which button you joined from, the page, its language and the time. If analytics is turned on, we also count anonymous clicks on the demos, the FAQ, the bank guide link and the waitlist form, including which banks or cards you tick, with no email attached, unless your browser sends Do Not Track or Global Privacy Control.
Security & Banks Which banks and cards work?
Banks our providers support, plus cards whose bank emails you about each successful payment. SePay connects VPBank, ACB, Sacombank, VietinBank, MBBank, BIDV, MSB, TPBank, KienLongBank and OCB today. When the hosted version launches, ApiPay is planned to add Co-opBank, Vietcombank, Shinhan Bank, VIB and PGBank. For cards, an email reader exists today for Cake by VPBank, debit cards included; other banks that email you about each successful payment can be added. Not every bank works, so tell us yours when you join.
Cards & Auto-rules How do credit card swipes get logged without a bank connection?
Your bank emails you an alert after each card payment. MyMoneyWent reads that alert and logs the swipe under your credit card. Tell it your statement day and the card’s cashback rules once, and it also tracks your statement cycle and what each swipe earned. Cake by VPBank works out of the box today; another bank that emails you about each successful payment can be added. The open-source version uses a small script in your own Gmail to pass those alerts along; for the hosted version we’ll spell out each step before you connect anything.
Security & Banks What are SePay and ApiPay, and do they cost anything?
SePay is a Vietnamese bank-connection service: once you link your account to it, it notifies MyMoneyWent when money moves, usually within seconds. Its free plan covers 50 incoming transactions a month (checked September 2026), and because expense tracking mostly records money going out, most people stay well within it. ApiPay is a similar service planned for the hosted version; check its site for current plans.
Cards & Auto-rules Is it really fully automatic?
Logging is automatic for transfers on a connected account and for card swipes whose alert email MyMoneyWent can read (Cake by VPBank today), within your plan’s monthly limit. Categorizing is automatic once a keyword rule matches; the first time a new merchant appears, you tap once in Telegram (or reply with a number on Zalo).
Cards & Auto-rules Do debit cards work?
Yes, if MyMoneyWent can read your bank’s alert email: Cake by VPBank debit cards work today, and another bank’s can be added if it emails you about each successful payment. Debit cards take the same email path as credit cards, minus statement cycles and cashback tracking.
Cards & Auto-rules What about cash?
Cash leaves no digital notice behind, so it cannot log itself. Transfers on a connected account and swipes on a supported card can.
Cards & Auto-rules Telegram or Zalo?
Both. Telegram is the main channel and the richest experience, with inline buttons and in-place message edits. Zalo runs alongside it and works by replying with a number.
Plans & Self-host Self-host or hosted: what’s the difference?
The same core features. Self-host means your data lives in your own Google Sheet, you run the server, and banks connect through SePay. Hosted means no server setup and a plan that fits you, with ApiPay planned alongside SePay.
Plans & Self-host Can I use it in English and Vietnamese, or contribute a bank parser?
Yes to both. This page switches between English and Vietnamese, and the bot has a /lang command. The code is public under the MIT license, so you can send a pull request, for example a reader for your bank’s alert email or a cashback card template.
Xu found nothing for that.
Try another word, or see every question.
Ready when you are
Let the bot keep the books. You just pay.
Join the waitlist and we’ll email you when the hosted version opens.