Accruewise: Save, Split, Pay

Accruewise is one money app for the everyday stuff: it tracks what you spend, pays your bills and recharges, splits costs with friends, and helps you save for the things you want. In English or Hindi. SPENDS THAT TRACK THEMSELVES • With your permission, Accruewise reads the payment alerts your bank and UPI apps already send, and turns each one into an entry, sorted into a category. • Reminders, dues and repeat alerts are skipped, so your numbers stay right. OTPs and personal messages are never used. • Insights explain what changed this month, your top payees, your recurring payments and what's safe to spend each day. • Set one monthly budget and get a heads-up at 80% and 100%. • Add cash spends by hand in seconds. SPLIT BILLS WITH FRIENDS • Split a dinner, a trip or the flat's bills with one friend or a group. • Spends Accruewise already tracked are ready to split: no typing it in again. • Split equally, by exact amounts, by percentages or by shares, and see who pays whom with the fewest payments. • Settle up from your Accruewise Wallet, with any UPI app, or mark it paid in cash. • Friends who aren't on Accruewise yet can join with an invite. Their share is waiting for them. BILLS, RECHARGES AND TRANSFERS • Mobile and DTH recharges, and bills through Bharat BillPay: electricity, water, gas, broadband, FASTag, loan EMIs and more. • Reminders before a bill is due or a plan runs out. • Send money to another Accruewise Wallet by mobile number, or to a saved bank account by IMPS. • Top up your NCMC transit card for metros and buses. ACCRUEWISE WALLET AND RUPAY CARD • The Accruewise Wallet, powered by ToPay, sits behind every payment. Activate it in two steps; upgrade your limit up to ₹2 lakh with full KYC. • Add money by UPI. • A prepaid RuPay card, virtual from day one, with a physical card you can order. • Switch online, ATM, shop, tap-to-pay and international use on or off, and lock the card in a tap. SAVE FOR THE THING, NOT FOR SOMEDAY • Set a goal with an amount and a date, and see the daily plan to get there. • Pick a real product from the marketplace and save towards its price. • Milestones and nudges keep you going. ASK YOUR MONEY A QUESTION • The Accruewise Assistant answers from your own data, in English or Hindi, by text or voice. • It can pay a bill, recharge, split a spend or remind a friend for you. Every payment waits for your approval. REWARDS FOR GOOD HABITS • Win scratch cards on payments, with brand discounts, coupons or Accruewise Coins. • Buy gift vouchers for popular brands from your wallet; some come with an offer. • Spin & Win once a day for Accruewise Coins and climb the weekly leaderboard. Coins have no cash value. LOCKED DOWN BY DEFAULT • The app opens only with your MPIN, fingerprint or face. • Every payment asks for your approval again. • Screenshots and screen recordings of the app are blocked to protect your details. Accruewise is made by Accruewise Technologies Private Limited, Noida. The Accruewise Wallet and prepaid card are powered by ToPay. Questions? Write to [email protected].