FinanCards parses your credit card statements right on your phone — spending, due dates, rewards, instalment plans — with no account, no server, and no cloud sync required.
One import, fully parsed — spending, points, plans, and reminders, all reconstructed from the PDF itself.
Statement PDFs are read and parsed locally. Nothing is uploaded, no account is required, no analytics track what you spend.
Maybank, RHB, and HSBC — each with a calibrated parser for its own statement format.
Some statements are image-only PDFs with no text layer at all. For those, an optional Gemini API key reads the page images directly — off by default, entirely your choice.
Category breakdowns, monthly trends, and top merchants — reconstructed from every imported statement, kept in sync as you add more.
Auto-detected straight from transaction line items — current month, total months, and outstanding principal, no manual entry.
TreatsPoints, Membership Rewards, HSBC Rewards — balance and expiring points update automatically with every new statement you import.
A day before and on the due date for every card, plus alerts before rewards points expire — scheduled entirely on-device.
Export a full JSON snapshot whenever you want, restore it on another install — your data, portable and yours.
Recreations of the real app screens — same layout, same colors, same widgets.
Local-first by default. The one exception is opt-in, per-statement, and clearly labeled.
You pick a statement file. It never leaves your device at this step — no upload, no network call.
Text-based statements are read and parsed locally using a calibrated parser for each bank's format.
Some statement generators produce image-only PDFs with no text layer. If you've set a Gemini API key, that statement's page images are sent to Google to read — nothing else, only when this specific case applies.
Every parsed result — transactions, balances, categories — is written to a local database on your device. No account, no cloud sync.
Each bank prints its statements differently — FinanCards has a parser tuned to each one, not a one-size-fits-all guess.
Maybank and RHB statements are regular text-based PDFs — parsed and categorized entirely on-device, no setup required. HSBC's statement generator produces image-only PDFs with no extractable text at all, so those need a free Gemini API key to read the page images (see below).
Only needed for image-only statements like HSBC. Everything else works without it.
Go to aistudio.google.com and sign in with any Google account.
Click "Get API key" in the left sidebar, then "Create API key." Pick or create a project if asked — the free tier needs no billing setup.
Google generates a long string starting with something like AQ.Ab8... — copy it.
In FinanCards, go to Settings → "Gemini API key," paste it in, and save. Image-only statements now import automatically.
This is a personal project — not a commercial app, not affiliated with any bank, and not published on an app store. This page exists to show how it works.