SCB · Debit + Credit Standard Chartered
Debit, credit, ATM, transfer, and payment alerts.
Six banks and two wallets, so far.
Ledgr recognizes the transaction alerts these institutions send. Anything else in your inbox is ignored, and cash or an unsupported bank can go in by voice or text.
8 institutions supported today
EBL · Debit + Credit Eastern Bank
Card, account, transfer, and merchant spend alerts.
TBL · Debit Trust Bank
POS, ATM, and transfer alerts.
MTB · Credit Mutual Trust Bank
Purchases, payments, and returns on supported cards.
BRAC · Debit BRAC Bank
Debit-card purchase and transfer alerts.
CBL · Debit The City Bank
POS, ATM, and CityTouch spending alerts.
bKash · Mobile wallet bKash
Payments, bills, and recharge confirmations.
Nagad · Mobile wallet Nagad
Payment confirmations from Nagad.
Two screens do the daily work.
Set a spending challenge, then name each merchant once. Ledgr handles the repeats.
Challenges
Small goals, tracked daily.
A jar that shows what is still safe to spend today, and a monthly shelf of the streaks you held.
Daily jar Monthly shelf
Merchants
Name a merchant once.
Put AGORA under Groceries and every past and future AGORA line follows it.
Per merchant Past and future
Three steps, then it runs itself.
Setup is short because the transaction trail is already sitting in your inbox.
1 Allow SMS access
Ledgr looks only at alerts from supported banks and wallets. Chats, OTPs, and everything else are skipped.
2 Let it import
Matching alerts become transactions on the device, grouped by bank and category. New ones land as they arrive.
3 Read the month
Today tells you where the month stands. The report tells you why it got there.
Questions
Why does Ledgr need SMS access?
It is the only way to read the transaction alerts your bank already sends you. Ledgr matches those alerts on the phone and skips everything else in your inbox, including chats and OTPs. Nothing is uploaded.
Is my SMS or data sent to your servers?
No. Your messages, transaction history, categories, and merchant rules stay on the device. AI reports are optional and use short summaries, never your raw SMS.
Which banks are supported?
Standard Chartered, Eastern Bank, Trust Bank, Mutual Trust Bank, BRAC Bank, and The City Bank, plus bKash and Nagad. Whether a specific card works depends on the alert format your bank uses.
What if my bank is not on the list?
You can still use Ledgr. Add those expenses by voice or text, and they sit alongside the imported ones.
Is AI required?
No. Tracking, categories, and challenges all work without it. Reports run only after you turn them on.
Do I need to log expenses manually?
Not for a supported bank. Those transactions appear on their own. Cash and anything unsupported goes in by voice or text.
Is this Android only?
Yes, for now. Ledgr is an Android app, live on the Play Store.
Point it at this month's SMS.
You will see the month you already had within a minute of installing. Android only for now, built around Bangladeshi bank alerts.
Local first
Your transaction history, categories, and merchant rules stay on the phone.
AI is optional
Reports run only after you consent, and never on raw SMS.
What we never collect
No SMS, merchant names, notes, phone numbers, or transaction amounts. Anonymous usage counts only.