End the month with money left.

Warren never asks for your bank login and never connects to your bank. You type expenses in, or import a statement you downloaded yourself. That file is read on your phone or computer and is never uploaded. Your expenses are stored in Zurich, Switzerland, every expense is locked to your login, and the accounts that run Warren use two-factor sign-in. You can turn on 2-Step Verification for your own account too, in Settings; keeping your phone and email secure is your part. Nobody reads your spending, and it's never sold or shared. Details are in the Privacy Policy.

CSV and PDF files. Discovery Bank statements are recognised straight away. For another bank's CSV you match the columns once and Warren remembers them. A PDF needs text you can select, so a scan or photo won't work. Warren checks every row against the statement's running balance and tells you when something doesn't add up.

You see a review screen before anything is saved. Refunds, transfers between your own accounts and expenses you already have are sorted out for you, and your salary and interest earned come in as income, kept apart from your spending.

Any. You choose your country and currency in Settings. Warren suggests a category from the shop's name, with built-in shop lists for South Africa and for well-known global brands, and you can teach it your own.

Warren is a web app, so there's nothing to find in an app store. Add it to your Home Screen and it opens full screen with its own icon, like any other app.

Yes. In Settings you can export all your expenses as a CSV file (date, amount, currency, category, subcategory and note) for any dates you choose. It opens in Excel, Numbers and Google Sheets. If you stop paying, your data stays in your account, so you can come back to it. Even without a plan, you can sign in to export it or delete your account and everything in it, at any time. The Terms of Service have the details.

Yes. New features come to both plans. A future feature that costs us money every time it's used, such as reading receipts with AI or storing receipt photos, will come with a fair monthly allowance included in your plan, and optional top-ups if you need more. What Warren does today has no such limit. The Terms of Service have the details.

Yes. Ask within 14 days of your first payment and you get all of it back; your plan then ends and your data stays in your account. In Warren, open Settings, then Your plan, then Request a refund. After 14 days payments are not refunded, unless the law where you live gives you more. Before a 1-Year Pass renews, we email you twice, so you can cancel in time. The Terms of Service have the details.