SavyitSavyit / Free tools / Bank alert decoder
Bank alert decoder
Paste a bank text or app notification. The decoder prints what it says: how much, which way, who, which card. It reads 90+ currencies and alerts in English, Hindi, Korean, Japanese, Arabic and most European languages.
Do this for every alert, automaticallySavyit reads your bank alerts on your Android phone as they arrive and sorts every spend. No bank login, no account.
Get Savyit freeHow it reads an alert
It uses the same rules as the Savyit app. First it checks for words that mean no money moved: codes, declines, reminders, payment requests and offers, in every supported language. Then it finds the amount and its currency, skipping any balance or limit figure. The first word for money out ("debited", "spent", "결제", "支払") or money in ("credited", "received", "입금", "入金") decides the direction. The payee comes from the words around the amount: "at", "to", "VPA", "ご利用先", "bei", "chez" and others.
Why codes and declines matter
A bank sends many messages with an amount in them that aren't spending: "OTP for Rs.2,000", "payment of £40 declined", "your bill of ₩1,234,000 is due". A tracker that counts every amount gets your month wrong. The decoder tells you when an alert should be skipped, and why.
Private by design
The decoder is plain JavaScript on this page. Nothing you paste is uploaded, logged or stored. Close the tab and it's gone.
Questions
What does "debited" and "credited" mean in a bank SMS?
Debited means money left your account or card. Credited means money came in. If an alert says both ("debited from your account and credited to Ravi"), it is money out: the credit is on the other person's side.
What is the number after "Ref" or "UPI Ref"?
It's the bank's transaction reference. You need it if you raise a dispute or a payment didn't arrive.
Why does the shop name look strange?
Card payments carry the merchant's registered company name, often cut to about 20 characters, or the payment processor's name. "BIGTREE ENTERTAINME" is BookMyShow, for example.
Is my alert sent anywhere?
No. The decoder runs in your browser and makes no network requests with what you paste.
Can this run on my phone automatically?
Yes: that's what the Savyit app does on Android. It reads new bank SMS and banking-app notifications as they arrive, with the same rules, and keeps your spending sorted. No bank login, no account.
More free tools
Estimates for planning, not financial advice. Everything is calculated in your browser; nothing you type is sent anywhere. Updated 2026-10-31.