A Telegram bot for Singapore · @spendlenssg_bot

Your bank statement, answered.

Send SpendLens a statement as a PDF or a photo. It pulls out every transaction, sorts them into categories, and sends the spreadsheet back. Then just ask it anything — in plain language.

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  • Free — no plan, no card
  • No bank login, ever
  • Files deleted after 30 days

Three steps, no setup

There is nothing to connect and nothing to configure. The whole product is a chat.

  1. 1

    Send a statement

    A PDF or a photo, from any bank. Send several at once and you get one report spanning the lot.

  2. 2

    Get it back sorted

    Every transaction pulled out and categorised, returned as a spreadsheet covering the dates the statement itself runs over.

  3. 3

    Then just ask

    “How much on groceries last month?” “What did I spend at NTUC?” “Can I have June as a spreadsheet?” No menus, no syntax.

Ask it like you'd ask a person

Pick a question and see the shape of the answer. The bot works from the transactions it has already read, so there is no file to send and nothing to wait for.

What it does

📄 Statements in any shape

PDF or photo, bank or card. It reads the statement rather than connecting to an account, so any Singapore bank works — there is no list to be missing from.

🧾 Cash counts too

Photograph the receipt, or just say what you spent. Cash never reaches a statement, so this is the only way it gets counted — and it lands in the next summary with everything else.

📊 Sorted into 14 categories

Groceries and rent and the MRT all end up where they belong, including the ones that are easy to lose:

    📗 Spreadsheets on demand

    Want a different window? Name it — “this year please”, “June as a spreadsheet”, or any dates you like — and a fresh file comes back covering exactly that.

    🌏 Three languages

    English, 简体中文 and Bahasa Melayu. Greet it in yours and it answers in yours — the spreadsheet included.

    🧹 One command erases you

    Send /forget and your transactions, your files and your chat go with it. Not a request queued for someone to action — it just happens.

    And a dashboard inside Telegram

    The Mini App opens on top of the chat — no install, no browser. It breaks one total down three ways: by category, over time, and by how much say you actually had over it.

    • Spending by category, week / month / year
    • Committed, essential and discretionary split
    • Top merchants by amount — and by how often

    Below is a live rendering of that dashboard, with sample figures. Try the period buttons.

    Total Spending

    S$0

     

      Spend Classification

        Inside the Mini App

        Which card fits how you actually spend

        Most card advice is written for an average person who doesn’t exist. SpendLens ranks 63 Singapore cards against six months of your own spending.

        • What each card would have paid you, in dollars a month
        • Caps and minimum spends counted — the fine print headline rates skip
        • Cards already in your wallet are left out
        • Rank by what you want back: cashback, miles or points

        Estimates, not advice — worked out from your own statements and each card’s published terms.

        Also inside the Mini App

        The charge you'd have scrolled past

        Most statements get a glance at the total and a payment. SpendLens reads every line against the rest of that card's own history, and asks you about the ones that don't fit.

        • A charge far larger than that card normally carries
        • A merchant that has never appeared in your spending
        • A currency that card doesn't usually bill in
        • A regular payment that quietly changed its amount
        • Answer once — merchants you vouch for stop being raised, here and in the chat

        Not a fraud finding, and it never pretends to be. SpendLens reads statements after the fact, so it can say a charge doesn't look like your usual spending — never that it wasn't yours. Your bank is who can act on it.

        Where you come in

        The ones it can't place, it asks about

        Most of your spending sorts itself. A handful every month doesn't — and rather than guess, it hands those to you.

        • A shop name that is only ever a code on a statement
        • A merchant too new for anything to have an opinion about
        • Answer once — every future statement files it there

        Your corrections are yours. They sit on your own ledger and change nobody else's spending, and you can take one back whenever you like.

        1 of 4

        Needs a category

        SMP IJOOZ HOLDINGS

        SMP_IJOOZ HOLDINGS SINGAPORE SG

        3 transactions · S$6.00

        A sample queue. Yours comes off your own statements.

        Questions

        Pricing

        There is one tier and it is free. If it earns it, you can send a tip in Telegram Stars — and take it back if you change your mind.

        Everything

        Free

        • Unlimited statements and receipts
        • Spreadsheets for any period you name
        • Plain-language questions
        • The Mini App dashboard
        • All three languages
        Start on Telegram

        Optional tip

        ⭐ Stars

        Telegram requires anything paid inside a bot to be paid in Stars, so that is what the buttons say. Nothing is gated behind it and nothing changes if you never send one.

        Changed your mind? /refund asks which donation and sends it back.

        There is a referral programme too — /referral explains it. Being straight about the size of it: the only Stars SpendLens takes are voluntary tips, so a commission on them is a small thing rather than an income.

        Send it a statement and see.

        It takes one message. If you don't like the answer, /forget leaves nothing behind.

        Start on Telegram