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Account Aggregator FAQs (Sahamati)

Sahamati · sahamati.org.in Free Beginner India

The industry body's plain explanation of India's Account Aggregator framework: how your financial data moves between institutions only with your consent, which is how apps such as Fold read your bank data.

  • Data is shared only with your consent, which you can revoke.
  • No bank password is shared with the app.
  • Check which accounts and how long a consent covers before you approve it.
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Curated reading that points you to the sources, not personalised investment advice.

The question it answers

  1. Which app should I use to track my personal expenses?

Read with it

  1. Fold tracks bank accounts, cards, UPI spends, investments and net worth automatically through RBI's Account Aggregator... apps.apple.com Tool Fold: Expense Tracker and Budget Fold
  2. The app formerly called Walnut, now axio, an income and expense tracker with 1 crore+ downloads on Google Play that sits... play.google.com Tool axio: Income and Expense Tracker axio
  3. A long-running manual expense and budget app with 1 crore+ downloads on Google Play: you log each spend yourself and it shows... play.google.com Tool Money Manager Expense and Budget Realbyte
  4. YNAB (You Need A Budget) is a strict budgeting method in an app, priced at $109 a year (about $9.08 a month) after a free trial. ynab.com Tool YNAB pricing YNAB
  5. Splitwise tracks shared costs between flatmates, partners and trips; the free app splits bills, and Pro adds unlimited daily... splitwise.com Tool Splitwise Pro Splitwise
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