Dibba.ai
Dibba.ai is an AI-driven personal finance tool that helps you track expenses, income, and transactions by analyzing the banking SMS you voluntarily send to its backend. With support for Apple Pay and
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What is Dibba.ai?
Dibba.ai is a personal finance tracker that works by analysing banking SMS messages you forward to it. Rather than connecting directly to your bank, it reads transaction notifications from your phone to automatically categorise your spending and income. The tool is designed for people who want expense tracking without giving direct access to their banking credentials. It includes an AI voice agent that can answer questions about your finances and spending patterns. The privacy-first approach means your banking data stays within your control, whilst the AI does the work of organising and analysing your transactions.
Key Features
SMS-based transaction tracking
Automatically captures and categorises transactions from banking SMS notifications you send to the service
Spending categorisation
AI analyses transactions and sorts them into spending categories for easy overview
Income and expense reporting
Tracks both money coming in and going out across time periods
AI voice agent
Ask questions about your spending habits and financial data using voice interaction
Apple Pay support
Compatible with Apple Pay transactions alongside other payment methods
Privacy-focused design
Avoids direct bank connections; you control what data is shared
Pros & Cons
Advantages
- No need to share banking login credentials; uses SMS forwarding instead
- Automatic categorisation saves time on manual expense entry
- Voice agent provides quick answers about your spending without opening an app
- Works across multiple banks as long as they send transaction SMS
Limitations
- Relies on banks sending SMS notifications, which not all institutions do consistently
- Requires you to manually forward SMS messages to the service rather than automated bank connections
- Limited to transaction data available in SMS; may miss detailed transaction information
Use Cases
Monitoring monthly spending patterns without sharing bank login details
Quick expense categorisation for freelancers or self-employed people managing multiple accounts
Tracking discretionary spending across different payment methods in one place
Getting instant summaries of your finances through voice queries while on the go
Understanding where your money goes by category without complex spreadsheet tracking