ArthPulse › Multiple bank accounts
Every bank account and card, in one app
ArthPulse brings all your bank accounts, credit cards and UPI payments into one view, automatically. It reads the transaction alerts each bank already sends, so accounts at different banks appear side by side, with no bank logins to connect and nothing to type.
The many-accounts problem
A salary account at one bank, savings at another, a joint account, two or three credit cards, and UPI apps linked to some of them. Each bank's app shows only its own slice, so the honest answer to "how much did I spend this month?" or "how much do I have?" means opening five apps and adding up the numbers yourself.
What you get in one place
- One monthly spending total across every account and card, broken down by category and merchant
- Each account's balance, kept up to date from its transactions, and the total across accounts
- Each credit card's outstanding and due date, plus the total you owe (how card tracking works)
- Every transaction labelled with its account, so you always know which account or card it hit
How it works
- Install ArthPulse and allow SMS access. Alerts from all your banks are read; nothing is linked.
- Transactions are matched to accounts by the last digits shown in each alert.
- New accounts and cards are spotted for you. When transactions appear from one you have not added yet, ArthPulse shows it so you can add it in a tap.
- Enter each account's balance once, if you want balances. ArthPulse keeps it current from then on.
Built to keep the totals honest
- Moving money between your own accounts is not spending. Bank transfers (NEFT, IMPS, RTGS) between accounts are recorded as transfers or savings, so shifting ₹20,000 to savings does not show up as ₹20,000 spent. If one is ever sorted wrongly, change it once and ArthPulse learns.
- Paying a card bill is not spending twice. The card spend is counted when it happens; the bill payment is a transfer.
- Last 4 digits only. No full account or card number is ever stored.
Private by design
Connecting several banks usually means several logins or consents. ArthPulse needs none: it reads alerts already on your phone, never asks for a password or PIN, and cannot move money. See exactly how we protect your data.
Good to know
- Balances are estimates. They are built from your alerts, so a transaction that never sent an SMS can make them drift. You can reset a balance at any time.
- Android only for automatic tracking. iPhones do not let apps read SMS; the web dashboard works anywhere.
All your accounts, finally in one place. Free on Google Play.
Get ArthPulseQuestions
Can one app track all my bank accounts?
Yes. ArthPulse reads the transaction alerts every bank sends by SMS, so accounts at different banks all appear in one view, with no bank logins to connect.
How does ArthPulse know my account balance?
You enter an account's current balance once. From then on ArthPulse keeps it up to date from every credit and debit it tracks. It is an estimate, so it can drift if a transaction never sent an SMS; you can reset it any time.
What if I open a new account or get a new card?
When ArthPulse sees transactions from an account or card you have not added yet, it shows it to you so you can add it in a tap.