My gini account
Is the gini app free?

Yes! gini is absolutely free. Free to download and free to use.
Enjoy 🙂

I forgot my password. What should I do?
  1. Don’t panic
  2. On your login page, tap Forgot password
  3. Enter your email address (the one you used to register for the app)
  4. Check your inbox for the gini Password Recovery email (or your spam folder if it’s not in your inbox)
  5. Click the link in the email, which will take you back to the app
  6. Create a shiny new password
  7. Store your new password somewhere safe, so you can find it if you forget again 😉
Why didn't I receive a password recovery email?

Have you checked your spam folder?

If the email is not in your inbox or spam folder, it might be because you previously deactivated your account. Send us an email at info@gini.co and we’ll reactivate your account for you.

If you haven’t deactivated your account, but still didn’t receive your password recovery email, let us know at info@gini.co and we’ll help you sort it out.

I forgot my 6-digit passcode. What should I do?
  1. Don’t panic
  2. On your passcode screen, tap Log out (it’s there at the bottom of the screen)
  3. Log in with your email and password again
  4. Set a new 6-digit passcode
  5. Store it somewhere safe, so you can find it if you forget again 😉
How do I set up biometric authentication?

If you prefer to log in with your face or your fingerprint, simply:

  1. Go to Settings (the gear at the top right corner)
  2. Tap General
  3. Then Authentication
  4. Turn on Face/Touch ID

Sorted.

I signed up, but don’t want to link my bank account. Can I deactivate my gini account?

Sure, no problem. Email us at info@gini.co (using the email address you signed up with) and we’ll help you deactivate your account. You’ll get a notification email when it’s done.

(Note: If you’re worried about security, we hear you. It’s good to be extra careful when it comes to your data. Rest assured, gini is safe. Here’s how we keep your data secure.)

How do I deactivate my gini account?

Aw, we’re sad to see you go. But we wish you all the best with your money management in the future! To deactivate your account:

  1. Log in to the gini app
  2. Go to Settings (the gear in the top right corner)
  3. Tap General
  4. Scroll down to Delete gini, and tap Deactivate account
  5. When you tap Confirm, all your data will be deleted from gini

And hey, we can still be friends! If ever you need us, you know where to find us.

How do I reactivate my gini account?

Welcome back!

To reactivate your gini account:

  1. Download the app
  2. Tap Log in
  3. Then Forgot Password? (top right corner)
  4. Enter your email (the same address you used for the app before)
  5. Go to your inbox and find our password recovery email
  6. Click the link to reset your password and reactivate your account

Enjoy gini 🙂

Linking my bank accounts
The 'Add a Bank' page is blank. What should I do?

If this is the first time you’re linking a bank account to gini, the page may take up to 5 minutes to load.

Make sure you have a stable internet connection, because a weak connection may interrupt the loading process.

If the page takes too long to load, try closing and re-opening the app.

If it still doesn’t load after re-opening, contact us at info@gini.co and we’ll see how we can help.

My bank doesn't show up on gini's list. What should I do?

gini can link to all the banks and wallets in the list below. If yours isn’t on this list, it means, unfortunately, we don’t support that particular bank.

Australia

  • ANZ Banking Croup
  • AON Super
  • American Express Cards Bank
  • Australian Catholic Superannuation & Retirement Fund
  • Australian Ethical Investment Ltd
  • Bankwest Personal
  • Colonial First State Investments Limited
  • Commonwealth Bank of Australia
  • Hesta
  • ING Bank Australia
  • LUCRF Super
  • MLC
  • NGS Super
  • National Australia Bank
  • Rest Super
  • St. George Bank
  • StatewideSuper
  • Suncorp Bank
  • Sunsuper
  • Tasplan Super
  • UBank
  • VicSuper
  • Westpac BT Super
  • Westpac Online Banking Business
  • Westpac Online Banking Personal

Argentina

  • Banco Galicia
  • Banco Macro
  • BBVA Frances
  • HSBC
  • Santander Rio

Austria

  • American Express
  • Diners Club
  • Easybank
  • Erste Bank Sparkasse
  • Hello Bank
  • ING Diba
  • N26
  • Paylife Bank
  • Raiffeisenbank
  • UniCredit Bank Austria

Belgium

  • ING HomeBank (BETA)

Bulgaria

  • Société Générale Expressbank
  • Алианц Банк
  • Банка ДСК
  • Банка ДСК Бизнес
  • Обединена Българска Банка
  • Пощенска банка
  • ПроКредит Банк
  • Първа инвестиционна банка – MyFibank
  • Райфайзенбанк
  • УниКредит Булбанк
  • Централна Кооперативна Банка

Brazil

  • Banco Bradesco SA
  • Banco Intermedium
  • Bradesco AMEX Cards
  • Credicard
  • Itaú
  • Itau Card Bank
  • Nubank
  • Nubank API
  • Santander

Belarus

  • IdeaBank (Sbsibank.by)
  • IdeaBank 24
  • Prior Bank Business
  • Альфа-Банк
  • Банк БелВЭБ
  • Белагропромбанк
  • Беларусбанк
  • Белгазпромбанк
  • Белинвестбанк
  • БПС-Сбербанк
  • БСБ 24 Банк (24.bsb.by) БелСвиссБанк
  • МТБанк
  • РРБ-Банк
  • Технобанк

Canada

  • Alterna
  • American Express Canada
  • Bank of Montreal debit card
  • Canadian Imperial Bank of Commerce
  • Desjardins Bank
  • MBNA Bank
  • Royal Bank of Canada Online Banking
  • Royal Bank of Canada Online Banking (Business)
  • Scotiabank
  • Simplii Financial
  • TD Canada Trust Bank

Chile

  • Banco de Chile personal
  • Banco Santander-Chile
  • Banco Security
  • BCI
  • Santander Office Banking

Croatia

  • Zagrebačka banka

Czech Republic

  • Česká spořitelna
  • ČSOB
  • Equa Bank Personal
  • Expobank
  • Fio Bank
  • Fio Bank with Token
  • mBank
  • PPF Banka
  • Raiffeisenbank
  • Sberbank
  • UniCredit Bank

Denmark

  • Jutlander
  • Nordea

Dominican Republic

  • Banco BHD León
  • Banco Popular Dominicano
  • Banreservas

Ecuador

  • Banco Bolivariano
  • Banco del Pacifico
  • Banco Guayaquil
  • Banco Pichincha
  • Diners Club International
  • Produbanco

Egypt

  • Commercial International Bank
  • HSBC Egypt

Estonia

  • SEB
  • Swedbank

Finland

  • Nordea Bank
  • Nordea Corporate

France

  • Banque Populaire Bourgogne Franche-Comté
  • Boursorama Bank
  • Credit Agricole Centre France
  • Credit Agricole Nord Midi Pyrennes
  • Credit Agricole Normandie Bank
  • Crédit Mutuel
  • Fortuneo
  • Hello Bank
  • HSBC
  • ING Direct Bank
  • La Banque Postale
  • N26
  • Société Générale
  • Soon Bank

Germany

  • American Express
  • Barclaycard
  • Commerzbank Bank
  • Deutsche Bank
  • Deutsche Kreditbank Aktiengesellschaft
  • Hamburger Sparkasse
  • HypoVereinsbank
  • ING-DiBa
  • Lufthansa Miles & More Credit Card
  • N26
  • Norisbank Berlin
  • Sparkasse Aschaffenburg-Alzenau
  • Sparkasse Herford
  • Sparkasse Langen-Seligenstadt
  • Sparkasse Paderborn-Detmold
  • Stadtsparkasse Oberhausen

Georgia

  • Bank of Georgia
  • TBC Bank
  • Terabank

Guatemala

  • Banco G&T Continental

Hong Kong

  • American Express
  • Bank of China
  • Bank of East Asia
  • Citibank
  • DBS Bank
  • Hang Seng Bank
  • HSBC
  • HSBC Business
  • Standard Chartered

Hungary

  • Budapest Bank
  • CIB Bank
  • Erste NetBank
  • K&H Bank
  • MKB Bank
  • OTP Bank
  • Raiffeisen Bank
  • Unicredit Bank

India

  • Axis Bank Corporate
  • Axis Bank Personal
  • HDFC Bank
  • ICICI Bank
  • ICICI Business
  • IDBI Bank Corporate
  • Kotak Mahindra Bank
  • State Bank of India Business (Saral)
  • State Bank of India Personal

Indonesia

  • BCA Bank Individual
  • Bank Mandiri
  • Cimb
  • Citibank
  • Danamon
  • PT. Bank Rakyat Indonesia

Ireland

  • Allied Irish Banks
  • Allied Irish Banks Business
  • Bank of Ireland
  • Bank of Ireland Business On Line
  • KBC Bank
  • Permanent TSB
  • Ulster Bank

Israel

  • American Express
  • Bank HaPoalim
  • Bank Massad
  • Bank Mizrahi-Tefahot
  • Bank Otsar Hahayal
  • Cal-Card
  • First International Bank of Israel
  • HaPoalim Business
  • Isracard
  • Israel Discount Bank
  • Leumi
  • Leumi Card
  • Unionbank
  • Yahav Bank

Italy

  • American Express
  • Banca Mediolanum
  • Banca Popolare di Sondrio
  • Banca Widiba
  • Banco di Napoli
  • Banco di Sardegna (BPER Gruppo)
  • Banco Popolare
  • Banco Popolare Imprese
  • BNL
  • BNL Business
  • BPER (SmartWeb)
  • BPER Corporate Banking (CBI)
  • Cariromagna Bank
  • Carta Montepaschi
  • Cassa di Risparmio del Friuli Venezia Giulia
  • Cassa di Risparmio del Veneto
  • CheBanca!
  • CR Bologna
  • Cr Firenze
  • Cr Pistoia e Lucchesia
  • Cr Umbria
  • Credit Agricole Cariparma
  • Credit Agricole Cariparma Piccole Imprese
  • Credito Emiliano
  • Credito Emiliano Imprese
  • Credito Valtellinese
  • Deutsche Bank
  • Fineco Bank
  • Hello Bank
  • ING DIRECT
  • Intesa Sanpaolo
  • Intesa Sanpaolo Inbiz
  • Intesa Sanpaolo Private Banking
  • IWBank
  • Monte dei Paschi di Siena
  • N26
  • Sella Bank
  • UBI Banca
  • UniCredit
  • UniCredit Uniweb
  • WeBank

Kuwait

  • Gulf Bank
  • National Bank of Kuwait

Kazakhstan

  • Kaspi
  • Kazkom (Homebank)

Latvia

  • Swedbank

Lithuania

  • DNB bankas
  • Swedbank

Malaysia

  • HSBC
  • Malayan Banking Berhad

Moldova

  • Banca Comercială Română Chişinău (24banking.md)
  • Banca Comercială Română Chişinău (InfoCont.md)
  • Comertbank
  • Energbank
  • Eurocreditbank
  • Eximbank
  • MobiasBanca
  • Moldindconbank Client
  • Moldindconbank Web Banking
  • Moldova-Agroindbank
  • Moldova-Agroindbank BankFlex Personal Internet Banking
  • Procreditbank
  • Victoriabank DA
  • Victoriabank Extras-On-Line

Macedonia

  • НЛБ Тутунска банка

Mexico

  • American Express
  • Banamex (Citi BancaNet)
  • BBVA Bancomer S.A.
  • Grupo Financiero BANORTE
  • Santander

Netherlands

  • ABN AMRO
  • ABN AMRO Corporate
  • ABN AMRO ICS Creditcard
  • American Express
  • ASN
  • ASN Business Bank
  • Mijn ICS Business
  • Mijn ING
  • Mijn ING Business
  • Rabobank
  • Rabobank Business
  • Triodos Bank

New Zealand

  • ANZ Banking Group
  • ASB Bank Client
  • BNZ Business
  • BNZ Personal
  • Co-operative Bank
  • Kiwibank
  • Westpac One

Norway

  • American Express
  • DNB Bank ASA
  • SpareBank 1 Østfold Akershus

Pakistan

  • Standard Chartered

Peru

  • Bcp Bank

Philippines

  • Citibank
  • BDO Unibank
  • Bank of the Philippine Islands
  • Metrobank Direct

Poland

  • Alior Bank SA
  • Bank Zachodni WBK
  • Idea Bank
  • Ideabank Cloud
  • mBank
  • mBank Business
  • Millennium Bank

Portugal

  • Caixa Geral de Depósitos
  • Novo Banco
  • Santander Totta

Qatar

  • Commercial Bank of Qatar

Romania

  • Alpha Bank
  • Banca Comercială Română
  • Banca Română pentru Dezvoltare MyBRD
  • Banca Transilvania
  • Bancpost
  • BRD@ffice
  • CEC Bank
  • Citibank BE
  • ING Bank
  • Raiffeisenbank
  • UniCredit Tiriac Personal Bank

Russia

  • «Курган» Банк
  • «РБА» Банк
  • «РЕГНУМ БАНК»
  • Anelik
  • АВАНГАРД
  • АВАНГАРД Бизнес
  • АК БАРС
  • АКРОПОЛЬ
  • АКТИВ БАНК
  • Акцепт
  • АЛЬТА-БАНК
  • Альфа-Банк
  • Альфа-Банк Бизнес Онлайн
  • Аресбанк
  • АТБ-онлайн
  • Банк «Верхневолжский»
  • Банк « Взаимодействие»
  • Банк «КБСИБЭС»
  • Банк «Кузнецкий мост»
  • Банк «Новый Символ»
  • Банк БКФ
  • БАНК ОРЕНБУРГ
  • Банк Санкт-Петербург
  • БИНБАНК ONLINE 2.0
  • Витабанк
  • Восточный экспресс банк
  • Восточный экспресс банк (Faktura.ru)
  • ВТБ
  • Газбанк
  • Газпромбанк
  • Геобанк
  • ГЛОБУС Банк
  • Дальневосточный банк
  • Держава
  • Долинск
  • Евроазиатский Инвестиционный Банк
  • Европлан
  • Енисейский объединенный банк
  • ЕРМАК
  • ЗЛАТКОМБАНК
  • Инвестиционный Банк ВЕСТА
  • Инвестиционный торговый банк
  • ИНТЕРПРОГРЕССБАНК
  • ИНТЕРПРОМБАНК
  • Камкомбанк
  • Капиталбанк
  • КБ МПСБ
  • КБР БАНК
  • Костромаселькомбанк
  • КОШЕЛЕВ-БАНК
  • Кранбанк
  • Кредит Урал Банк
  • Кредит Экспресс
  • Кремлевский Банк
  • Крокус-Банк
  • Кузнецкбизнесбанк
  • Кукуруза
  • Ланта-Банк
  • Левобережный
  • Международный финансовый клуб
  • Московский Вексельный Банк
  • Московский Индустриальный Банк
  • Московский Кредитный Банк
  • МОСКОВСКИЙ КРЕДИТНЫЙ БАНК (HandyBank)
  • Московский Нефтехимический банк
  • МОСУРАЛБАНК
  • МТС-Банк
  • Муниципальный Камчатпрофитбанк
  • Национальный стандарт
  • НЕВСКИЙ БАНК
  • Нефтепромбанк
  • Нико-банк
  • НОВОКИБ
  • Нордеа Банк
  • НС Банк
  • Открытие Банк
  • Петербургский Городской Банк
  • Плюс Банк
  • Пойдём! (BETA)
  • Приморье
  • ПримСоцБанк
  • Примтеркомбанк
  • Промсвязьбанк
  • ПРОМТРАНСБАНК
  • Райффайзен-Онлайн
  • Региональный Кредит
  • Ренессанс Кредит
  • РОСБАНК
  • РосЕвробанк
  • РУБЛЕВ
  • РУСНАРБАНК
  • Русский Ипотечный Банк
  • Русский Стандарт Банк
  • Русский Южный банк
  • Русь
  • Сбербанк России
  • Сетелем Банк
  • СИБСОЦБАНК
  • СИНКО-БАНК
  • Ситибанк
  • СКБ-банк
  • СЛАВИЯ
  • Солид Банк
  • Социум-Банк
  • Спурт Банк
  • СТАРБАНК
  • Тексбанк
  • Тинькофф Кредитные Системы
  • Углеметбанк
  • УРАЛСИБ
  • ФиаБанк
  • Хакасский муниципальный банк
  • Хлынов
  • Хоум Кредит
  • Энергобанк
  • Энерготрансбанк
  • ЮниКредит Банк
  • Сбербанк России

Saudi Arabia

  • Alinma Bank
  • American Express Bank
  • SABB

Singapore

  • American Express
  • Bank of China Singapore
  • CIMB Bank
  • Citibank Online
  • DBS iBanking
  • DBS IDEAL (Business)
  • HSBC
  • OCBC Bank
  • OCBC Velocity (Business)
  • Standard Chartered Bank
  • United Overseas Bank

Slovakia

  • ČSOB
  • Fio Bank with Token
  • Slovenská Sporiteľňa
  • Všeobecná úverová banka

Slovenia

  • Banka Koper QIF
  • NLB Bank
  • Nova KBM

Spain

  • American Express
  • Arquia
  • Banco Bilbao Vizcaya Argentaria
  • Banco de Sabadell
  • Banco de Sabadell (Empresas/Business)
  • Banco Popular
  • Bankia
  • Bankinter
  • Bankinter Empresas
  • BBVA Empresas
  • Caixabank
  • EVO Banco
  • Ibercaja
  • Iberia Cards Personal
  • ING Direct Bank
  • ING Direct Business
  • Kutxabank
  • N26
  • Santander
  • Santander Empresas
  • Triodos Bank
  • Unicaja
  • WiZink (Popular-e)

South Africa

  • ABSA
  • Captitec
  • FNB/RMB
  • Nedbank
  • Standard Bank South Africa

Sweden

  • Avanza Bank
  • Handelsbanken
  • Nordea
  • Skandia Bank
  • Skandinaviska Enskilda Banken
  • Swedbank

Switzerland

  • Cornèr Excel
  • PostFinance
  • Raiffeisen Schweiz
  • St.Galler Kantonalbank
  • UBS Bank

Thailand

  • Bangkok Bank
  • Kasikornbank
  • Krungsri Online
  • TMB Bank

Turkey

  • Akbank Direkt
  • Garanti Bank
  • İŞ BANKASI
  • TEB
  • VakifBank
  • Yapı ve Kredi Bankası A.Ş.
  • Ziraat Bankasi

Ukraine

  • ОТП Банк
  • Ощадбанк
  • Перший Український Міжнародний банк
  • Пивденный
  • ПриватБанк
  • ПроКредит Банк
  • Райффайзен Банк Аваль
  • Сбербанк России в Украине
  • Укрексімбанк
  • УкрСиббанк BNP Paribas Group
  • Укрсоцбанк UniCredit Bank
  • Универсал Банк

United Kingdom

  • American Express
  • Bank of Scotland
  • Barclaycard
  • Barclaycard Business
  • Barclays
  • Capital One Bank
  • Co-operative Bank
  • First Direct
  • HSBC
  • HSBC Business
  • HSBC Expat
  • Halifax Bank
  • Lloyds Bank
  • Lloyds Bank Business
  • MBNA Bank
  • Metro Bank Personal
  • N26
  • NatWest offshore (international)
  • Nationwide Bank
  • Natwest business
  • Natwest personal
  • RBS Bankline (Business)
  • Royal Bank of Scotland (Digital Banking)
  • Santander Business Banking
  • Santander Personal Banking
  • TSB Bank plc
  • Tesco Bank
  • Triodos Bank
  • Ulster Bank
  • Virgin Money Bank Credit Cards
  • Virgin Money Bank Investments
  • Virgin Money Bank Savings

United Arab Emirates

  • Abu Dhabi Islamic Business Bank
  • Emirates NBD

United States

  • Affinity Plus (BETA)
  • Altra Federal Credit Union OFX
  • America First Credit Union
  • American Express
  • American Express Card OFX
  • American National Bank OFX
  • Andrews Federal Credit Union OFX
  • Apple Bank
  • Apple Federal Credit Union OFX
  • Arizona Federal Credit Union OFX
  • Arizona State Credit Union OFX
  • BancFirst OFX
  • Bank of America
  • BankFinancial OFX
  • Belmont Savings Bank OFX
  • Boeing Employees Credit Union
  • California United Bank OFX
  • Cambridge Savings Bank OFX
  • Capital One 360
  • Capital One Credit Cards
  • Cedar Point Federal Credit Union OFX
  • Centier
  • Charles Schwab (Beta)
  • Chase Bank
  • Chase Bank (non credit card) OFX
  • Chase Bank OFX
  • Chase Investments OFX
  • Citizens National Bank OFX
  • Commerce Bank Business OFX
  • Commerce Bank NA OFX
  • Commonwealth Credit Union
  • Community Resource Bank OFX
  • Delta Community Credit Union
  • Delta Community Credit Union OFX
  • EAB Education Advisory Board OFX
  • Elevations Credit Union OFX
  • FAA Credit Union OFX
  • Fairwinds Credit Union OFX
  • Fidelity Investments OFX
  • Fidelity NetBenefits OFX
  • Fifth Third BanCorp OFX
  • Fifth Third Bank
  • First Bank
  • First Internet Bank of Indiana OFX
  • First National Bank of St Louis OFX
  • First Republic Bank OFX
  • First Tennessee OFX
  • Flagstar Bank OFX
  • Goldman Sachs OFX
  • Great Southern Bank
  • Haverhill Bank OFX
  • Home Federal Savings Bank OFX
  • Hughes Federal Credit Union OFX
  • IBM Southeast Employees Federal Credit Union OFX
  • Insight Credit Union OFX
  • Investor360 OFX
  • J.P. Morgan Chase Bank
  • J.P. Morgan OFX
  • Kinecta Federal Credit Union OFX
  • Kitsap Credit Union OFX
  • Liberty Bank Business
  • Liberty Bank Personal
  • M&T Bank OFX
  • Marquetter Bank OFX
  • Merrill Lynch OFX
  • Merrill Lynch Online Payment OFX
  • Michigan State University Federal Credit Union OFX
  • Missoula Federal Credit Union OFX
  • Morgan Stanley Wealth Management OFX
  • Motif Investing Excel
  • Mountain America Credit UNion OFX
  • Navy Federal Credit Union
  • North Carolina State Employees Credit Union OFX
  • North Country Federal Credit Union OFX
  • Northwestern Bank OFX
  • Old National Bank OFX
  • Oppenheimer & Co OFX
  • Patelco Credit Union OFX
  • Picatinny Federal Credit Union OFX
  • PNC Bank
  • Premiere America Credit Union OFX
  • Prudential Retirement OFX
  • Purdue Federal Credit Union
  • Regions
  • Sacramento Credit Union OFX
  • Silicon Valley Bank
  • South State Bank OFX
  • SouthTrust Bank OFX
  • Standard Chartered
  • TD Bank
  • TIAA CREF OFX
  • Tower Federal Credit Union OFX
  • Truliant FCU OFX
  • U.S. Bank QFX
  • University & State Employees Credit Union OFX
  • US Bank OFX
  • USAA Federal Savings Bank OFX
  • USAA Investment Management Co OFX
  • UW Credit Union OFX
  • Vanguard Group Direct Connect OFX
  • Vanguard Group OFX
  • Variable Annuity LIfe Insurance Company OFX
  • WSECU OFX
  • Zions Bank OFX

Vietnam

  • BIDV

Other wallets

  • 1C
  • Aliexpress
  • Binance
  • Bittrex
  • BUXFER
  • Coinbase
  • GDAX
  • HSBCnet Bank
  • InEx Finance JSON
  • Microsoft Money OFX
  • Mint.com CSV
  • Money Lover CSV
  • Open Financial Exchange OFX
  • Payoneer
  • PayPal
  • QIWI
  • QuickBooks online bank statement QBO
  • Quicken Financial Exchange QFX
  • Quicken Interchange Format QIF
  • Revolut CSV
  • Simply Accounting ASO
  • Society for Worldwide Interbank Financial Telecommunication SWIFT (MT 940)
  • WebMoney
  • яндекс.деньги
My credit card doesn't have a bank account. Can I still link it to gini?

Why yes you can! Adding a credit card is as simple as adding a bank account. You can either:

  1. Go to the Home page
  2. Tap the +
  3. Select Bank Account
  4. Find the bank your credit card belongs to
  5. Follow the instructions to link your card to the app

or

  1. Go to Settings (the gear at the top right corner)
  2. Select Bank Accounts
  3. Tap Add New Bank
  4. Find the bank your credit card belongs to
  5. Follow the instructions to link your card to the app

Here’s the list of banks gini supports.

My wife and I share a joint account. Can we both link our gini apps to the same account?

Yes, you can link your joint bank account to two different gini accounts. However, your bank may restrict the number of people logged into the bank account at the same time on different devices, so your gini apps may not be able to update transactions simultaneously.

My bank account link is still pending. What should I do?

Linking your bank account can take up to 15 minutes, so make sure you keep the app open until it’s done.

If it takes longer than 15 minutes, your bank may be momentarily unavailable, so you could try again later.

If it still doesn’t work, email us at info@gini.co and we’ll see how we can help.

Why can't I see any transactions on the bank account I linked?

If this is the first bank account you’ve linked to gini, it may take up to 15 minutes to load your transactions. So keep the app open until it’s done.

Sometimes, a weak network connection can interrupt the process, so make sure your wifi is stable.

If the page takes too long to load, try closing and re-opening the app.

My bank accounts are not updating on gini. What should I do?

gini does an auto-refresh every day after midnight for most Hong Kong bank accounts, so you can wake up to updated transactions in the morning.

To refresh your accounts during the day, simply:

  1. Go to the Home page
  2. Pull down the app’s screen
  3. Wait until the refresh bar has stopped running across the top

Done!

If the app still doesn’t refresh, your bank may not allow it to do so until you re-authenticate your account. To do this:

  1. Go to Settings (the gear at the top right corner)
  2. Select Bank Accounts (where you can also see when it was last refreshed)
  3. Choose your bank
  4. Tap Edit Preferences
  5. Then Update Credentials
  6. Follow the instructions to re-authenticate your bank account
How do I refresh my transactions on gini?

gini usually refreshes your transactions every night while you sleep, but some banks don’t allow automatic updates, so you may have to do it manually. You can see when your bank account was last updated by looking at your Bank Accounts under Settings.

To update your transactions, simply:

  1. Go to the Home page
  2. Pull down the app’s screen
  3. Wait until the refresh bar has stopped running across the top

Done!

If the app still doesn’t refresh, you may need to re-authenticate your bank account:

  1. Go to Settings (the gear at the top right corner)
  2. Select Bank Accounts
  3. Choose your bank
  4. Tap Edit Preferences
  5. Then Update Credentials
  6. Follow the instructions to re-authenticate your bank account
Why does my bank require re-authentication every time gini refreshes?

gini does an auto-refresh every day after midnight for most Hong Kong bank accounts, so you can wake up to updated transactions in the morning.

However, some banks that use one-time login passcodes will require you to re-authenticate your bank account every time you want your transactions updated on gini.

To re-authenticate your bank account:

  1. Go to Settings (the gear at the top right corner)
  2. Select Bank Accounts
  3. Choose your bank
  4. Tap Edit Preferences
  5. Then Update Credentials
  6. Follow the instructions to re-authenticate your bank account
I don't want gini to show some of my accounts. How do I hide them?

To hide an account, simply:

  1. Go to Settings (the gear at the top right corner)
  2. Tap Bank Accounts
  3. Select the bank your account belongs to
  4. Tap Edit Preferences
  5. Turn off the Show button

That’s it! gini will no longer show the transactions from that account or include them in your calculations.

I don't want my matured time deposit to show on gini. How do I hide it?

To hide your matured time deposit, simply:

  1. Go to Settings (the gear at the top right corner)
  2. Tap Bank Accounts
  3. Select the bank your time deposit belongs to
  4. Tap Edit Preferences
  5. Turn off the Show button

That’s it! gini will no longer include the matured time deposit in your calculations.

You may prefer to list the time deposit as an internal transfer instead. To do that, simply:

  1. Go to the Feed page
  2. Tap the time deposit transaction
  3. Go to the category list and choose Internal Transfer

Done!

How do I unlink a bank account?

You can hide, disable or delete a bank account on gini anytime.

  • If you hide a bank account, gini will ignore the transactions from that bank account and exclude them from your calculations.
  • If you disable a bank account, gini will no longer update transactions from that account, but your transaction history will still be saved.
  • If you delete a bank account, gini will delete your transactions from that account completely. Note: If you choose to relink this account in future, gini will only be able to retrieve a maximum of 2 months’ transaction history.

To remove a linked bank account, simply:

  1. Go to Settings (the gear at the top right corner)
  2. Tap Bank Accounts
  3. Select the bank account you’d like to remove
  4. Tap Edit Preferences
  5. Then switch the Show button off to hide your account, or tap Disable or Delete (Name of bank)

Done!

My bank disconnected itself. What should I do?

If gini sends you a notification saying your bank account has been disconnected, tap on the notification and follow instructions to reconnect your account.

Or, you can go to Settings, then Bank Accounts, and check the status of your account. If it says Disconnected or Try again, simply tap on your bank account and follow the instructions to reconnect it.

gini is not showing all the accounts under my bank. What should I do?
  1. Go to Settings (the gear at the top right corner)
  2. Tap Bank Accounts
  3. Select the bank your missing account(s) belong to
  4. Tap Edit Preferences
  5. Make sure the Show button is on

Note: gini’s default setting does not show bank accounts with a balance of zero.

If your account still doesn’t show, email us at info@gini.co and tell us:

  • The email address you use for your gini app
  • The name of the bank your missing account belongs to
  • The nature of your account (savings, checking, credit, debit, etc)
  • The name of the account (premium, visa, master, etc)
  • Any useful information that will help us detect and fetch the missing account for you

(Do NOT tell us your account number. That’s for your eyes only.)

Why is my Total Balance on gini different to my bank balance?

The Total Balance shown at the top of gini’s home page is calculated as the [Total income of all linked bank accounts] – [Total up-to-date expenses of all linked bank accounts]. Note that gini includes your real-time credit card expenses in its calculations to give you a more accurate picture of how much you’ve spent.

Therefore, your Total Balance on gini, which includes real-time credit card expenses, is likely to be less than your bank balance, which does not show your credit card expenses immediately.

How far back does my transaction history go with gini?

When you first link your bank account, gini will show your transactions going as far back as your bank allows, which is usually 2 months. Some banks show transactions up to 6 months back, some more, some less.

The good news is, you’ll always be able to see your transaction history starting from 2 months before you got gini, no matter how long you use the app for.

I have 2 sets of login details for the same bank. Can I add both accounts to gini?

To ensure maximum security, gini only allows one set of login details for each bank account.

Banks with specific requirements
Standard Chartered

If you’re having trouble linking your Standard Chartered account to gini, it’s likely due to their new Mobile Key service which they use for mobile and internet banking.

To link your Standard Chartered account to gini:

  1. Set up your Standard Chartered Mobile Security Key
  2. Open your gini app and add your Standard Chartered account
  3. After about 10 to 20 seconds, your Standard Chartered mobile app will send you a Login Push Notification. Open it and you will see this pop up:

  1. Tap Approve, and your bank account will start linking to gini

Note: There’s only a very short time window to tap Approve, so be quick!

HSBC/ Hang Seng (HK)

At the moment, gini only supports dual-password authentication for HSBC and Hang Seng bank accounts. If you haven’t set that up, you can do it with your HSBC or Hang Seng online banking.

  1. Set up your dual password (here’s a guide from HSBC):

For information on HSBC or Hang Seng’s dual password settings, please visit their websites.

  1. Once you’ve set up your dual password with your bank, open the gini app and fill in your second password.

3. After that, gini will be able to link to your HSBC or Hang Seng account without any issues.

What do these error messages mean?
Invalid Credentials

Your username or password is incorrect. Please try again.

Invalid Interactive Credentials

Looks like you haven’t completed the two-factor authentication process, or the second factor (security question or one-time passcode) was incorrect. Please try again.

Interactive Adapter Timeout

Looks like you haven’t completed the two-factor authentication process because your second factor (security question or one-time passcode) wasn’t submitted in time. Please try again.

Provider Unavailable

Please check if you can access your online banking or whether the bank is undergoing maintenance, and try again later.

Fetching Timeout

It took too long to fetch the required information. Please try again later.

Execution Timeout

The information took too long to load. Please try again later.

Transactions
Can I delete a transaction?

No. But, you can hide transactions instead. Here’s how:

  1. Go to the Home page
  2. Tap the transaction you want to hide
  3. Go to More Options
  4. Tap Ignore transaction

An ignored transaction won’t be included in your calculations.

To control the visibility of ignored transactions:

  1. Go to Settings (the gear at the top right corner)
  2. Tap Display & Preferences
  3. Turn on Ignored Transactions to see them on your records in grey
  4. Turn off Ignored Transactions to not see them at all

Whether it’s visible or not, an ignored transaction won’t be included in your calculations.

You can unhide transactions anytime. Simply:

  1. Turn on Ignored Transactions
  2. Go back to your Home page
  3. Tap on the grey ignored transaction
  4. Go to More Options
  5. Tap Include Transaction

gini will recalculate everything to include the transaction.

There are duplicate transactions. What should I do?

If there are duplicate transactions showing on your gini app and your bank statement, it could be a sign of fraud. Notify your bank immediately.

If the duplicates show up on gini but not your bank statement, it might be a temporary glitch. It’s not possible to delete a transaction on your gini app, but you can hide the transaction instead. Here’s how:

  1. Go to the Home page
  2. Tap the transaction you want to hide
  3. Go to More Options
  4. Tap Ignore transaction

An ignored transaction won’t be included in your calculations.

To control the visibility of ignored transactions:

  1. Go to Settings (the gear icon at the top right corner)
  2. Tap Display & Preferences
  3. Turn on Ignored Transactions to see them on your records in grey
  4. Turn off Ignored Transactions to not see them at all

Whether it’s visible or not, an ignored transaction won’t be included in your calculations.

You can unhide transactions anytime. Simply:

  1. Turn on Ignored Transactions
  2. Go back to your Home page
  3. Tap on the grey ignored transaction
  4. Go to More Options
  5. Tap Include Transaction

gini will recalculate everything to include the transaction.

Why are the transactions on gini different to my bank statements?

gini pulls the information from your bank account in read-only mode, and never changes details like transaction amount, time, date, etc. If a transaction takes 2 to 3 working days to show on your bank account, it will be the same for gini, too.

However, if the information on gini is totally different from your bank statement, or if there are missing transactions on gini, please contact us at info@gini.co and tell us:

  • The email address you use for your gini app
  • The name of the bank account/credit card that your transaction belongs to (e.g. HSBC savings, etc)
  • The expected information that should appear on gini (transaction date, balance amount, transaction amount, income/expense and currency)
  • Any useful information that will help us detect and fetch the missing transactions for you

We will look into it for you. (Note: do NOT tell us your bank account number. That’s for your eyes only.)

Can I select multiple transactions to make changes in bulk?

Unfortunately, that’s not possible on gini at the moment.

Categories
How do I create a new category?

It’s not possible to create your own categories on gini at the moment, but you can choose from any of these pre-set categories when organising your transactions:

  1. Transport
  2. Eating Out
  3. Groceries
  4. Shopping/Leisure
  5. Income
  6. Housing
  7. Health and Beauty
  8. Payments
  9. Utilities
  10. Education
  11. Vacation
  12. Investments
  13. Internal Transfer
  14. Cash Withdrawal
  15. Other
The name of the merchant is wrong. Can I change it?

Yes you can! To change the name of the merchant, simply:

  1. Go to the Feed page
  2. Tap the transaction you want to change
  3. Tap Select Merchant
  4. Type the name of the merchant to find it from our database
  5. If you can’t find it, tap Add Your Own instead
I made an internal transfer but it is showing as an expense. What do I do?

gini detects an Internal Transfer when you have a pair of transactions (income and expense) on similar dates.

But sometimes one half of the pair is delayed, like if your bank takes a few days to register a credit card transaction. When that happens, the expense may show up on gini before its income equivalent is registered by your bank. So gini labels it as an Expense prematurely.

When the other half of the pair comes in, gini will correct the original Expense automatically and label both transactions as Internal Transfers instead.

If you don’t want to wait for that to happen, you can change the Expense to an Internal Transfer manually. Here’s how:

  1. Go to the Feed page
  2. Tap the transaction you want to change
  3. Go to the category list
  4. Select Internal Transfer

Done!

Does gini remember my category changes?

Unfortunately, gini can’t apply category changes according to your preference, so you have to do them manually for now. We apologise for the inconvenience!

Simple Saving feature
Why is my income not showing?

gini detects your Main Income by looking for a payment from one merchant coming in at regular intervals in similar amounts. If the merchant, date or amount changes significantly, gini may not be able to detect your Main Income automatically.

You can always select your Main Income manually by going to the Save page, tapping Income, then Main, then choosing the transaction you want as your Main Income.

If you are new to gini and your Main Income isn’t showing:

  • Make sure your payroll bank account is linked to gini
  • Scroll through your transaction feed to find your main income transaction, and make sure it’s categorised as Income
  • Check if the transaction is registered to a merchant. If not, tap on the transaction and choose Select Merchant, then fill in your employer’s name

Note: your Main Income needs to come from the same merchant to be automatically detected. If it comes from different merchants, you’ll need to select your Main Income manually instead.

If you’ve been using gini for a while, and your Main Income is suddenly not detected, it may be because:

  • You changed jobs, and your income is coming from a new merchant. All you need to do is select the income from your new employer as your Main Income manually, and gini will remember it going forward.
  • Your salary changed significantly this month. Again, once you’ve selected your Main Income manually, gini will recalculate your Saving Goal and OK to Spend for you.

If your income is irregular, you’ll need to select your Main Income manually for gini to calculate your Saving Goal and OK to Spend.

A recurring expense is missing. What should I do?

If you make a regular payment to a merchant, gini will recognise it as a Recurring Expense. All your recurring expenses are shown on the Reports page, so you know what’s coming and can budget for it.

However, if the amount, date or merchant changes significantly, gini will no longer list it as a Recurring Expense. For example, if you usually pay your phone bill on the 5th of every month, but this month you pay it on the 20th, gini won’t list your phone bill as a Recurring Expense.

You can’t add your own recurring expenses on gini manually, but once your payments become regular again, gini will detect them for you.

Can I add more than one income?

While you can only have one Main Income, you CAN have multiple Extra Incomes (for all those side hustles of yours).

Go to the Save page, tap Income, then Extra. Choose the income you’d like to add, then tap Save, and gini will factor it into the calculations.

Note: the Saving Goal time period is based on the frequency of your Main Income only, as extra incomes are not considered recurring.

Here’s more about how to use our Simple Saving feature.

Can I change my Saving Goal after setting it?

Yes, you can!

Anytime you want to adjust your Saving Goal, simply go to the Save page, tap on your Saving Goal and slide it to your desired amount. gini will recalculate your OK to Spend automatically (which may take a minute or two).

My budget period is longer than one month. What went wrong?

The budget period starts on the day your Main Income arrives and lasts until your next paycheck comes in.

Currently, gini only recognises your Main Income if it comes in monthly. So, if you get paid more often or less often than that, gini may not detect your next paycheck, and the budget period will run on.

To reset your budget period, go to the Save page, tap Income, then Main, then select the transaction you want as your Main Income.

Can I manually change my Main Income?

Yes you can!

  1. Go to the Save page
  2. Tap Income
  3. Then Main
  4. Then select the transaction you want as your Main Income

Simple!

Alternatively, you can:

  1. Go to Settings (the gear at the top right corner)
  2. Tap General
  3. Under Finance, tap Change Main Income
  4. Then select the transaction you want as your Main Income

Done!

gini doesn't support my payroll bank. Can I still use the Save page?

Yes, you can, as long as you’ve linked one bank or credit card account, even if it’s not your payroll account.

All you need to do is create a Cash Income:

  • Tap +
  • Then Cash Transaction
  • Type in the amount and tap Income, then Next and Confirm to register the Cash Income

Then, go to the Save page, tap Income, then Main, then choose the cash income you created as your Main Income. gini will use this to calculate your Saving Goal and Ok to Spend.

Cash feature
Can I add a Cash Expense without attaching it to a Cash Withdrawal?

Yes you can!

First, you need to create a Cash Income:

  • Tap +
  • Then Cash Transaction
  • Type in the amount and tap Income, then Next and Confirm to register the Cash Income first

Now, you can record your Cash Expense:

  • Tap +
  • Then Cash Transaction
  • Type in the amount and tap Expense, then Next
  • Select the Cash Income you just created as the source, then tap Confirm

Done!

Why does gini say I have more cash than I actually have in my wallet?

Every time you get cash out, gini records an ATM Withdrawal as an expense.

However, you can also break down your ATM Withdrawal amounts into different cash expenses to track your spending.

To allow for that, gini records your Available Cash as the sum of your ATM Withdrawals that you haven’t already allocated to individual cash expenses.  So, the amount of Available Cash might be higher than the actual cash in your wallet if you’ve spent cash that you haven’t recorded on gini.

If you’re not someone who tracks every cash expense, feel free to ignore the Available Cash amount on gini.

When splitting a bill with friends, can I attach a Cash Income to this expense?

It’s not possible to attach a Cash Income to a particular expense on gini.

Other features
I got a refund, but the expense is still showing on my Reports page

gini doesn’t recognise refunds, but you can categorise the pair of transactions as an Internal Transfer instead, which will exclude them from your Reports page.

To register a transaction as an Internal Transfer, simply:

  1. Go to the Feed page
  2. Tap the transaction you want to change
  3. Go to the category list
  4. Select Internal Transfer

Now the expense and refund will cancel each other out as expected.

Can I export all my transaction data from the gini app?

Yes you can!

With gini’s Smart Sheet, you can export all your transaction data to a Google Sheet. All you need is a gmail account.

  1. Go to Settings (the gear at top right corner)
  2. Tap Power-ups
  3. Go to Smart Sheet and tap Learn More
  4. Follow the instructions to export your data to a Google Sheet

Here’s more about how to manage your finances with the useful features on Smart Sheet.

How do I stop the WhatsApp notifications?

To disable your WhatsApp notifications:

  1. Go to Settings (the gear at the top right corner)
  2. Tap General
  3. Turn WhatsApp Notifications off

Or, you can go to the WhatsApp Power-up page and tap the bell icon to stop receiving notifications. If you want to get notifications later, just tap the bell icon again.

Learn more about how WhatsApp notifications can help you stay on top of your finances.

Does gini support MPF accounts?

Unfortunately, it’s not possible to track your MPF account through gini at this time.

Can gini track my Octopus card transactions?

Unfortunately, it’s not possible to track your Octopus card transactions through gini at this time.

Security
Is the gini app secure?

gini is as secure as your banking app. Our Privacy Policy explains how we keep your data secure.

First of all, we never ask you for your name or ID number.

Secondly, gini operates on a read-only basis. That means no one can make or change bank transactions through the gini app – not even you.

Thirdly, gini does not hold any any of your bank credentials. All credentials are stored by our partner Salt Edge.

Who is Salt Edge?

Salt Edge specialises in the storage of banking information for financial institutions, including ING and Société Générale. It is a PCI-DSS and ISO 27001 compliant and UK FCA Certified 3rd party custodian.

Here’s more about the certifications:

About PCI DSS:

https://www.pcisecuritystandards.org/pci_security/

About ISO 27001:

https://www.iso.org/isoiec-27001-information-security.html

About UK’s FCA certification:

https://blog.saltedge.com/salt-edge-aisp-licensed/

Will all my information be deleted if I deactivate my gini account?

To deactivate your account:

  1. Go to Settings (the gear at the top right corner)
  2. Tap General
  3. Under Delete gini, select Deactivate Account

Once your account has been deactivated, all your financial information will be deleted.

We don’t delete your email address in case you want to reactivate your account in future, and to prevent others from using the same email address. We won’t send you emails unless you’ve given us permission.

If you want us to delete all your information, including your email address, please contact us at info@gini.co.

I've been receiving login notification emails from my bank at night. Is that gini?

Yes, it is!

Once you’ve linked your bank account, gini will refresh your transactions automatically overnight, so you get an updated overview of your finances every morning. Your bank may notify you every time your data is refreshed.

Note: Banks that require two-factor authentication with a one-time passcode for every log in don’t let gini refresh your transactions automatically, so you’ll be prompted to re-authenticate your bank account each time instead.

At gini, we take the security of your information very seriously. gini operates in read-only mode, which means no one can make or change bank transactions through gini – not even you.

gini is as secure as your banking app. We are powered by Salt Edge, the global trusted guardian of banking data used by the likes of ING, Soc Gen, and BBVA, and licensed by the UK’s Financial Conduct Authority.

If you have any other questions, feel free to contact us at info@gini.co and we’d be happy to help!

Smart. Simple. Secure. Stay on track with your effortless spending-tracker.
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