Ultimate Mini Apps / Ultimate Finance Bot
Track spending in Telegram, not in a spreadsheet
Say what you spent, snap a receipt, or connect your bank. Ultimate Finance Bot sorts everything into categories, keeps your balances right and shows where the money goes each month.
- Free to start, 7 days of Pro included
- Read-only access to your bank
- English, Ukrainian and Russian
How it works
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Open the bot and add an account
A card, cash, a bank account or a crypto wallet. Takes a minute, and there is no registration beyond Telegram itself.
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Tell it what you spent
Type it, say it in a voice message, or send a photo of the receipt. The bot picks out the amount, category and date and asks you to confirm. Or connect your bank and skip typing entirely.
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See where the money goes
A monthly dashboard by category, a financial health score from A to F, and plain-language tips on what to improve next.
What the bot does
Everything a budgeting app does, minus the app. It all happens in one chat.
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Voice messages
Say “spent 300 on groceries and 80 on a taxi” and get two transactions to confirm.
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Receipt photos
Snap the receipt. Amount, merchant and date are filled in for you.
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Automatic categories
48 categories in 12 groups. The bot learns your corrections and remembers merchants.
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Bank auto-sync
Connect a bank once. Transactions arrive by themselves and balances match the bank.
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Monthly dashboard
Income, expenses, top categories and a comparison with last month, in your base currency whatever currency the account is in.
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Financial health score
One grade from A to F built from your savings rate, spending stability, limits and debt load.
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Limits and alerts
Set a monthly limit per category and get a heads-up before you cross it.
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Savings goals
Save toward a trip or a laptop and see whether you are on track.
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Debts and installments
Track what you owe and what you are owed. Installment repayments are linked automatically.
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Scheduled and recurring payments
Rent, subscriptions, salary: the bot expects them and reminds you in advance.
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Statement import
Upload an Excel or HTML statement from your bank and get a clean, categorised history.
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Ask about your money
“How much did I spend on food in May?” Ask in plain words and get an answer from your own data.
Connect your accounts
Read-only. The bot can see transactions and balances; it can never move money.
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Monobank
LivePaste your personal API token from the Monobank app and pick a card. It syncs automatically every 30 minutes.
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European banks
BetaOpen Banking (PSD2) through a licensed aggregator: log in at your bank, pick the accounts, done. Rolling out gradually.
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Crypto wallets
LiveAdd a TRON (USDT) or Ethereum (USDT and USDC) wallet by its public address. Balances and transfers are tracked like any other account.
Any other bank: import a statement file, or just tell the bot what you spent.
Your data stays yours
- Bank access is read-only. Tokens are stored encrypted and can be revoked at any time, in your bank’s app or with one command in the bot.
- You can delete your transactions or all your data yourself with /clear in the bot, accounts and bank connections included.
- No ads and no selling of data. The service is funded by the Pro subscription only.
- Voice and photos are used only to recognise the transaction, then handled as described in the Privacy Policy.
Free to start. Pro when you want more.
Every new account gets 7 days of Pro. After that, choose what fits.
Free
- Text logging, up to 200 operations a month
- Dashboard, categories and limits
- Goals, debts and scheduled payments
- Accounts in any currency
- Help and answers in the chat
Pro
- Voice messages and receipt photos
- Bank and crypto wallet auto-sync
- Statement file import
- Unlimited operations
Pro is a subscription paid with Telegram Stars right in the chat, with no card details to enter. Invite a friend and you both get 7 extra days of Pro. Current prices: /plan in the bot.
Questions people ask
Is it really free?
Yes. Manual logging, the dashboard, categories, limits, goals and debts are free with no time limit, up to 200 operations a month. Voice, photo and bank sync are Pro, and every new user gets 7 days of Pro to try them.
Which banks can I connect?
Monobank (Ukraine) today, via the personal API token from the Monobank app. European banks via Open Banking are in beta. For any other bank, import a statement file. TRON and Ethereum wallets connect by their public address.
Is it safe to connect my bank?
Access is read-only: the bot can see transactions and balances, but nothing can be moved or paid. Tokens are stored encrypted and you can revoke them at any time.
Does it work with my currency?
Yes. Accounts can be in any of 160+ currencies, and connected crypto wallets bring their USDT/USDC balances along. Reports are shown in your base currency at the exchange rate of the transaction day.
Can I use it in my language?
The bot speaks English, Ukrainian and Russian, and understands spending written in everyday words in any of them.
What if it gets a category wrong?
Tap the transaction and change it. The bot remembers the correction for that merchant next time.
Can I delete my data?
Yes, at any time. /clear in the bot wipes either your transactions or all your data, including accounts and bank connections. Bank tokens are deleted together with the connection.
How do I pay for Pro?
With Telegram Stars, inside the chat: /plan shows the packages. Refunds: /paysupport in the bot or contact@ultimateminiapps.com.
Try it. The first 7 days of Pro are on us.
Open the bot, add one account and log today’s coffee. That is the whole setup.
Open in Telegram