Frequently Asked Questions

Answers to common questions about ZenCredit.

What is this app?

This app is a platform to help users automatically analyze financial transactions and statements based on bank account data.

What are the main benefits?

Automatic income & expense analysis

Detection of recurring & inefficient spending

Financial insights based on real transaction data

Helps control cash flow & decision making

What is the pricing model?

Free 2 statement analyses per month

Additional analyses charged per use

What does "statement analysis" mean?

Reading bank transactions

Grouping transactions

Identifying recurring bills (utilities, credit cards, etc)

Providing insights and recommendations

Why use a pay-per-use system?

Users only pay when they actually use it

More economical than a fixed subscription

Flexible according to needs

What happens after the 2 free analyses are used?

Purchase additional analyses (pay-per-use)

No need for a monthly subscription

Are there subscription plans?

Currently focused on a flexible model without subscriptions

Possible bundle packages in the future

What data is used for analysis?

Transaction date

Transaction description

Debit/credit amount

Balance

Is my data safe?

Cannot perform financial transactions

Only reads data for analysis

Uses security systems and data encryption

Can the app read different bank statements?

Credit card statement PDFs

Credit card transaction formats

Multi-bank

Are transactions categorized automatically?

Shopping

Entertainment

Education

Installments

And more — you can also add or revise categories manually

What insights does the app provide?

Biggest expenses this month

Recurring bill patterns

Detection of small recurring waste

Monthly financial trends

Who is this app suitable for?

Employees

Families

Freelancers

Users who want financial control without hassle

Is this app good for budgeting?

Monitoring expenses vs income

Identifying overspending

Basis for creating a budget

What are the main advantages?

No manual input required

Based on real transaction data

Flexible (no mandatory subscription)

Automatic insights like a personal financial advisor