FeeGuard

Gowtham Seeda

About this app

FeeGuard quietly watches your SMS for the charges your bank hopes you won't notice — and the subscriptions that keep auto-debiting after the free trial ends.

WHY FEEGUARD

Indian banks bury fees in plain sight: ₹150 "SMS alert charges", ₹500 "non-maintenance fees", ₹350 "ATM withdrawal" surprises, GST on every one of them. Subscriptions are worse — that ₹499 you forgot you signed up for keeps debiting your salary account every month.

FeeGuard reads the SMS your bank already sends you, finds the fees and the auto-debits, and shows you exactly what you're paying for.

WHAT IT DOES

• Detects hidden bank charges automatically — SMS-alert fees, non-maintenance fees, late fees, GST, ATM charges, foreclosure fees, FX markups
• Tracks every active subscription auto-debit — Netflix, Spotify, Razorpay-NACH, loan EMIs, insurance premiums
• Loan EMI dashboard — see every monthly EMI across every lender in one place
• Year-end fee report (PDF) — full breakdown of every rupee your bank took from you
• Peer benchmarks — see how your fees compare to other users with the same bank
• Bank statement upload — if you blocked SMS access, drop a PDF instead
• Gmail sync (optional) — catches fees and subs from email receipts your bank doesn't SMS

PRIVACY FIRST

• SMS parsing happens on your device. We do NOT upload your messages.
• Only de-identified aggregates leave the phone (e.g. "user paid ₹150 SMS fee on HDFC") — never raw SMS, never amounts tied to your identity.
• Local database is encrypted with AES-256 (sqlcipher).
• Delete your account from inside the app in 3 taps. 7-day grace period, then fully erased.
• Full privacy policy: https://feeguard-production.up.railway.app/privacy

WHO IT'S FOR

• Anyone who pays bank fees and doesn't know what for
• Anyone with 3+ active subscriptions across UPI / cards / NACH mandates
• Anyone who took a loan and wants every EMI in one place
• Anyone tired of "Rs.X debited towards XYZ" SMS they can't decode

WORKS WITH

HDFC, ICICI, SBI, Axis, Kotak, Yes Bank, IDFC FIRST, IndusInd, Federal, RBL, Bandhan, AU SFB, and most credit cards. Loan lenders supported: Bajaj Finance, Navi, GIC Housing, Tata Capital, HDFC Home Loans, ICICI Home Finance, Aditya Birla Capital, and more.

PERMISSIONS WE ASK FOR

• SMS (read + receive) — to detect fees and auto-debits in real time. Without this, FeeGuard cannot work. We never read OTPs or personal conversations — only messages from registered bank/NBFC DLT headers.
• Notifications — to alert you when a new fee or subscription is detected.

PERMISSIONS WE DO NOT ASK FOR

• Contacts, location, microphone, camera, call logs, photos — never.

QUESTIONS / FEEDBACK

[e-mail]

Open beta — your fee detection report can help other users too.