One view of every account and card
Stop logging in to four banking apps. See all spending, and the cash left, on one screen and in your WhatsApp.
Spending coach for the Gulf
Know if your salary will last to payday.
Waazn reads your bank SMS on your phone, sorts every spend, and messages you before money gets tight. The text of your messages never leaves your phone.
Free during beta · Android · English and Arabic · Google Play listing coming soon
Waazn · وازنbot
Salary landed: BHD 850.000. Safe to spend: BHD 17.700 a day until the 27th.
That's your 3rd delivery order today (BHD 9.400). Delivery is 21% of your spending this cycle.
Where did my money go this week?
BHD 142.600 this week, up 18%. Dining and delivery led, then a Tabby installment of BHD 35.000.
This monthSalary survivalStability score
How it works
Three steps, and your bank already does the first one.
Your bank texts you
Every card payment, transfer and bill already sends you an SMS. Waazn reads only messages from banks, wallets and billers. Personal chats are never read.
It's parsed on your phone
Amount, merchant, time and card are pulled out on the device itself. The message text is never uploaded.
Coaching arrives in your chat
Insights and nudges come through Telegram, in Arabic or English. Ask anything about your own numbers and get a straight answer.
Salary survival
Move the sliders. See what Waazn sees.
A 30-day pay cycle, from one payday to the next. Waazn compares your pace with the pace that gets you to payday.
- Left
- Safe per day
- Your pace per day
- Money runs out
The side with the heavier daily amount drops. Keep the gold side down and you reach payday with money left.
What you get
Everything is counted per pay cycle, the way a salary actually works.
Spend by category
Groceries, dining, transport, bills and more, counted from payday to payday.
Payday warnings
Your safe daily spend, the date money runs out, and a message when the cycle turns tight.
Delivery habits
Orders, their share of your spending, late-night orders, and how the trend is moving.
Installment pressure
Tabby, Tamara and other buy-now-pay-later plans, shown as a share of your income.
Stability score
One number from 0 to 100, with the three things pulling it down and what to change first.
Ask Waazn
Type a question in plain words. The answer comes from your own transactions, nobody else's.
Privacy
What leaves your phone, and what stays on it.
Stays on your phone
- The full text of every SMS
- Messages from people: personal numbers are never read
- OTP codes, declined payments and promotions, which are filtered out
- Your contacts, photos and other apps
Goes to Waazn, to build your insights
- Amount and currency
- Merchant name and category
- Date and time
- Bank name and the last 4 digits of the card
- Balance after the transaction, when the bank includes it
Type “delete my data” to the bot or tap Delete all in the app. Everything is wiped from your phone and from our server.
Bahrain first, then the GCC
BBKNBBBisBKFHila BankCrediMaxBenefitPayEWATabbyTamara
Messages in English and Arabic, including Arabic digits. New bank formats reach your phone without an app update.
Get your first salary check this payday.
Open the bot, pick Arabic or English, and connect the Android app. It takes about two minutes.
Waazn for business
See every dinar your business spends, the moment it's spent.
Waazn reads the bank and card SMS your company already receives and turns them into one live view of spending across every account, card and employee. Set limits, get alerted the second something looks wrong, and close the month without chasing receipts.
Works with Bahraini banks and cards today · Arabic and English · Alerts on WhatsApp
Waazn BusinessWhatsApp alerts
Over limit: card ••4821 (Ahmed, Sales) paid BHD 312.500 at Lulu Hypermarket. His limit is BHD 200 per purchase. We've asked Ahmed for the reason.
Ahmed replied: “Office supplies for the Riffa branch opening.” Receipt attached.
How much has Sales spent this month?
BHD 4,180 so far. That's 84% of their BHD 5,000 budget, with 12 days left. Fuel and client meals are the biggest items.
Mark as OKAsk for receiptThis month's report
The problem
Most owners only find out where the money went when the bank statement arrives.
Spending is scattered
Several bank accounts, company cards with staff, cash withdrawals and online subscriptions. Nobody sees all of it in one place.
Statements arrive too late
By the time the monthly statement comes, the money is gone and nobody remembers what each charge was for.
Expense apps depend on staff
People forget to upload receipts and log expenses, so the records are never complete at month-end.
How it works
Your bank already sends the data. Waazn puts it in front of you.
Register company cards and accounts
Add each company card or account by its last 4 digits, who holds it, and which branch or team it belongs to.
Card holders install the Waazn app
The app picks up only the bank messages for the registered company cards. Personal cards and personal messages are ignored on the phone itself.
You see everything as it happens
Each transaction reaches your dashboard and WhatsApp within seconds, sorted by person, branch and category.
Know and control
Everything an owner needs to keep spending in check.
Live spending feed
Every payment, transfer and cash withdrawal across all accounts and cards, the moment the bank sends it.
Limits with instant alerts
Set limits per card, person, branch or category: per purchase, per day or per month. Any breach reaches you on WhatsApp in seconds.
Unusual activity flagged
Late-night or weekend spending, new merchants, duplicate charges, cash withdrawals and foreign transactions are flagged automatically.
Reasons and receipts
When a spend needs explaining, Waazn asks the card holder on WhatsApp. Their reply and receipt photo are saved with the transaction.
Cash position
Balances from your bank messages show the cash across all accounts, and how many days it lasts at the current rate of spending.
Month-end in minutes
Spending sorted by branch, person and category, ready to export to Excel or share with your accountant.
Waazn doesn't move or block money. Freezing a card stays in your banking app, and Waazn tells you the moment you might need to.
Who it's for
Built for businesses where money leaves through many hands.
Budgets that watch themselves
Department budgets, limits that alert on their own, and complete records before the month closes.
Compare branches side by side
Restaurants, retail and pharmacies: see which branch is spending above the others, and on what.
Know what was spent, where and why
Contracting, logistics and sales teams with company cards: fuel, materials and client spending, explained as it happens.
Inside the product
What you get.
- Owner dashboard
- Live feed, budgets, alerts and cash position for the whole business, by branch, team and person.
- WhatsApp alerts
- Breaches and unusual spending sent to you, or to the branch manager, within seconds.
- Card holder app
- An Android app for staff with company cards. It reads only the registered cards and handles reasons and receipts.
- Reports and export
- Monthly spending by branch, person and category, in Excel, for you or your accountant.
- Weekly summary
- A short message every Sunday: where spending rose, which limits came close, and one thing worth checking. You can also ask about your numbers in plain words.
Example: one month at a 3-branch business
- Transactions captured
- 1,284
- Alerts raised
- 37
- Explained by staff in WhatsApp
- 33
- Duplicate charges recovered
- BHD 214
Illustrative figures, the same sample business shown in the dashboard demo.
Privacy
You see the company's money. Never your staff's personal finances.
Company cards only
The app forwards messages only for the cards and accounts you registered. Staff personal banking is never read.
Staff know what's tracked
Each card holder sees exactly which cards are monitored and agrees to it in the app.
No SMS text on our servers
Messages are read on the phone. Only the transaction details reach your dashboard.
Your data stays yours
Never shared, sold or used for advertising. Export or delete it at any time.
Plans
Start with a few cards, grow to every branch.
Starter
Up to 5 cards and accounts
For owners who want to see all spending in one place.
- Live feed and WhatsApp alerts
- Limits per card
- Monthly Excel export
Business
Up to 30 cards and accounts
For teams and branches spending on company cards.
- Everything in Starter
- Reasons and receipts from staff
- Branch and department budgets
- Unusual-activity alerts
- Access for your accountant
Enterprise
Custom
For groups with many branches and a finance team.
- Unlimited cards and branches
- Several admins with their own permissions
- Accounting system integration and API
- Onboarding with our team
Talk to us
Book a demo.
Tell us how many accounts and company cards you run. We'll reply within two working days to set up a 20-minute demo.
Sample data
October 2026 · day 19 of 31
Overview
- Spent this month 62% of the BHD 29,500 budget
- Cash across accounts Lasts about 49 days at this rate
- Open alerts Need your decision
- Missing receipts BHD 1,126 not explained yet
Spending against budget
Cumulative spend this month, compared with an even budget pace
Spending by branch
This month, BHD
Needs your attention
Alerts from the last 48 hours
Spending by category
Share of this month's spending
All transactions
Limits and alert rules
Company cards and accounts
Only these cards are read from card holders' phones.