Now you can finally
talk with your
money.
Pennio reads your money. You talk with it.
Finance in your pocket.
PDF or CSV · or browse your files
No card needed · We don't keep your file: we remove your IBAN and account and card numbers before AI reads it, unless you choose to proceed with a scanned statement.
Your privacy, in plain terms
Before your statement leaves your Pennio session, we strip your personal details: your IBAN, and account and card numbers are removed before anything is sent, unless you choose to proceed with a scanned statement. When you're signed in, we also remove your name.
Only then do we use AI (Anthropic's Claude) to read and categorize your transactions. Anthropic does not use this data to train its models.
If you upload a statement without creating an account, we keep it for up to 30 days so you can finish signing up. After that, it's deleted automatically.
Scanned statements are blocked by default, because we can't remove personal details from them reliably. You can still choose to proceed after a warning.
Three steps.
Full clarity.
Drop a PDF or CSV from any UAE bank. Pennio detects the bank, reads the layout, and extracts every transaction automatically.
Claude categorizes your transactions, flags unusual items, and builds your complete financial profile — 87 transactions in under 30 seconds.
"Am I saving enough for a mortgage?" "Where does my money go?" Talk to your finances in plain language and get real answers.
Your money,
finally clear.
See your full financial picture at a glance. Balance across all accounts, spending by category, 30-day forecast, and proactive AI insights every time you open the app.
Know where
you really stand.
A 0–850 behavioral score built from your transactions — not AECB. Six components that reveal your actual financial health.
Simple. Honest.
Upload your statement free. Upgrade when you need more.
Upload once. See your full picture.
- Unlimited statement uploads
- Full transaction categorization
- Monthly summary dashboard
- 3 AI questions per month
- Salary benchmarking
- Credibility score (number only)
Unlimited questions. Complete clarity.
- Everything in Free
- Unlimited AI questions
- Multi-currency (AED, USD, EUR, GBP)
- Zakat calculator
- EOSB tracker
- Full credibility score breakdown
- 30 / 60 / 90-day forecasts
- 1 connected bank account
For couples sharing finances.
- 2 accounts, individual uploads
- Shared household dashboard
- Privacy control (3 levels)
- Shared goal tracking
- Household savings rate
- School fees category
- Combined remittance view
For serious investors.
- Investment AI tips
- FT news feed
- Golden Visa tracker
- Goal milestones
- Multiple bank accounts
For lifestyle enthusiasts.
- Lifestyle spending tracker
- Beach clubs & lounges
- Partner discounts
- Multiple bank accounts
Up to 5 family members.
- Up to 5 members
- Kids pocket money
- Visa sponsorship costs
- Family permissions
For independent professionals.
- Freelance income tracking
- Client payment categories
- Irregular income forecast
- Tax-aware expenses
All plans for a team of 10.
- All plans included
- Team up to 10 people
- One dashboard
- Contact us
MORE PLANS COMING SOON
AI readiness report for personal loan application.
Full report + best UAE bank match + nearest branch.
Not just another
finance app.
WPS salary, DEWA, Salik, Etisalat, remittances — recognized automatically. No manual tagging.
"Am I saving enough?" "Can I afford a car loan?" Ask anything. Get specific answers, not generic advice.
Emirates NBD, FAB, ADCB, Mashreq, RAKBANK, DIB — all in one place.
Your IBAN and account and card numbers are removed before AI reads your statement. Pennio works from the statements you upload — no bank login needed.
EOSB tracker, Golden Visa readiness, remittance optimization, home-country transfer analysis.
Share clarity without oversharing. Three levels of transparency — you decide what your partner sees.
Your statement.
Your clarity.
Upload your bank statement and see exactly where your money goes. Free, instant, no card needed.
PDF or CSV · or browse your files
No card needed · We don't keep your file: we remove your IBAN and account and card numbers before AI reads it, unless you choose to proceed with a scanned statement.
Your privacy, in plain terms
Before your statement leaves your Pennio session, we strip your personal details: your IBAN, and account and card numbers are removed before anything is sent, unless you choose to proceed with a scanned statement. When you're signed in, we also remove your name.
Only then do we use AI (Anthropic's Claude) to read and categorize your transactions. Anthropic does not use this data to train its models.
If you upload a statement without creating an account, we keep it for up to 30 days so you can finish signing up. After that, it's deleted automatically.
Scanned statements are blocked by default, because we can't remove personal details from them reliably. You can still choose to proceed after a warning.