How to track UPI expenses automatically
Every GPay, PhonePe and Paytm payment, logged without typing — from the bank alerts you already get.
Set it up once
- Add your bank accountHome›+ Add account
Type its last 4 digits — that is how alerts find the right account.
- Connect the Gmail your bank emailsAuto›Connect Gmail
Read-only. Only bank alert emails are read.
- On Android, turn on bank SMSAuto
OTPs, offers and personal texts are filtered out on your phone.
- Check the few it is unsure aboutTxns›Needs review
Clear ones are added on their own; a payment to a person waits for you once.
Pick this, not that
Good to know
Most banks send both for one payment. Spendly records it once.
Both alerts are combined into one transfer, not counted as spending.
Counted as investing, not spending.
💡 Start with one account — most people see their first automatic transaction within a day.
Start free →What your bank’s alert says for each UPI app
Whichever app you pay with, the money leaves your bank account, so the bank’s alert is what records it. The payee is usually the UPI name or ID of whoever you paid.
| You pay with | What reaches Spendly | Shown as |
|---|---|---|
| Google Pay | Your bank’s SMS / email for the UPI debit | The payee’s UPI name or ID |
| PhonePe | Your bank’s SMS / email for the UPI debit | The payee’s UPI name or ID |
| Paytm (UPI) | Your bank’s SMS / email for the UPI debit | The payee’s UPI name or ID |
| BHIM or your bank’s app | The same bank alert | The payee’s UPI name or ID |
| UPI Lite / wallet balance | Only the top-up from your bank, not each small payment | The top-up |
Payments to people, and fixing a category
A payment to a person’s name is never guessed at: it waits in Needs review the first time, and Spendly asks who they are (family, friend, rent…). Choose once and later payments to the same name are filed the same way. Any category can be changed later; Spendly remembers the change for that payee.
What Spendly cannot see
- Payments your bank sends no alert for — check your alert settings.
- Each small UPI Lite payment (only the top-up appears in your bank).
- Cash: log it in two taps, or move an ATM withdrawal into a Cash account.
Banks outside the supported list — see the 30 supported banks.
Start tracking free. With Premium, your bank’s own alert emails and SMS add each payment for you.
Start tracking →Questions
Can I track UPI payments from GPay, PhonePe and Paytm in one place?
Yes. Every UPI payment debits your bank account, and your bank sends an alert for it. Spendly reads those alerts, so it does not matter which UPI app you used.
Does Spendly need my UPI PIN or bank login?
No. It never asks for a PIN, password or netbanking login. Gmail access is read-only and limited to bank alert emails.
What if a payment is put in the wrong category?
Change it once — Spendly remembers your choice for that payee from then on.
Is automatic tracking free?
Tracking by hand is free forever. Reading bank emails and SMS automatically is part of Spendly Premium.