Masareef is a private, offline-first expense tracker that does the boring part for you.

Most money apps make you type in every purchase, and after a week you stop. Masareef reads the payment alerts your bank posts on your device and turns them into transactions by itself, even while the app is closed. It never asks for your banking password.

- Automatic capture of card payments, transfers, wallet top-ups, ATM withdrawals and incoming money, each routed to the right wallet

- Recognises alerts from 413 banks, wallets and fintech apps across Egypt, the Gulf and worldwide, including Wise, PayPal, Revolut and Payoneer

- Wallets and multi-currency: pick any country and currency and the app adapts

- Budgets, a monthly target, and cash flow that tells you whether your balance lasts until payday

- Subscription tracking, recurring bills, and duplicate-charge detection

- Insights: category breakdown, trends, savings rate and financial health

- Optional app lock with fingerprint or face, CSV export, private sync and backup

How the capture happens differs by platform. Android reads the payment notification itself. iPhone and iPad read the bank SMS, handed over by a Shortcut you set up once, because iOS lets no app read another app's notifications.

Masareef is an independent app, not affiliated with or endorsed by any bank. Free on Google Play and the App Store, with a Pro tier for unlimited automatic captures. Light and dark themes, full Arabic with right-to-left layout.