PayNest - Loan & Payment SMS

Ultra Apps World

Contains adsIn-app purchases

About this app

📲 PayNest – Loan Payment Tracker & SMS Bank Statement Builder
Have a loan? Juggling multiple accounts or mobile wallets?
PayNest automatically reads your loan payment SMS alerts, bank transfers, and mobile money messages — and turns them into clean statements. Zero typing. Zero login. Zero data leaving your phone.

🔍 How It Works
When your bank, lender, or wallet sends a transaction SMS, PayNest:

Reads the message securely — entirely on your device

Detects loan repayments, debits, credits, and transfers

Groups transactions by lender or account into separate histories

Builds automatic weekly and monthly summaries

Tracks loan balances from your payment SMS history

Your messages never leave your phone. Fully offline. No account required.

💳 Built for Loan Borrowers
Repaying a personal loan, salary loan, cash advance, or BNPL? Your lender already sends SMS confirmations. PayNest captures every one and builds a complete loan payment history automatically.

Know exactly what you've paid and what's still outstanding

Track multiple loans at once — each with its own statement

Never lose proof of payment — your SMS is your receipt

Catch due date reminders across all your lenders

🏦 Full SMS Bank Statement Builder

Expense Tracking — every debit SMS auto-logged

Income Detection — salary credits and refunds auto-categorized

Multi-Account Statements — separate histories per bank or wallet

Daily, Weekly & Monthly Reports — see your full cash flow

Export to Excel / CSV — for budgeting, audits, or accounting

🔒 Private by Design

Most loan apps demand your contacts, photos, and location. PayNest asks for none of that.

✅ No contacts, no photos, no location

✅ No internet required

✅ No account or registration

✅ All data stays on your device — always

✅ No ads, no data selling

🌍 Asia, Latin America & Africa

🇹🇭 Thailand — Kasikorn, SCB, Krungthai, PromptPay

🇻🇳 Vietnam — Vietcombank, MB Bank, VPBank, MoMo, ZaloPay

🇲🇽 Mexico — BBVA, Banorte, OXXO Pay, Kueski

🇵🇪 Peru — BCP, Interbank, Yape, Plin

🇵🇭 Philippines — GCash, Maya, BDO, BPI

🇮🇩 Indonesia — GoPay, OVO, Dana, BCA

🇳🇬 Nigeria / 🇬🇭 Ghana — MTN MoMo, GTBank, Access Bank

🌐 USD, THB, VND, MXN, PEN, PHP, IDR, NGN, GHS and more

🚀 Perfect For

Anyone repaying a personal loan, salary loan, or cash advance

People managing multiple bank accounts in one place

Freelancers tracking irregular income automatically

Business owners monitoring daily payments

Anyone who wants a bank statement without visiting a branch

⚡ Lightweight & Fast — optimized for low-end devices, battery-friendly, works on any Android.
Install PayNest — turn your SMS alerts into a complete loan and payment dashboard. Automatically. Privately. Free.

No spreadsheets. No login. No stress. Just your money, organized.

Ratings and reviews

I recommend this app. Easily my get my payment updates without having to switch between apps

straight forward to navigate through, still more to learn about it.

very reliable and easy to access your payments

What’s new

Fixed bugs and made key performance improvements to enhance overall experience.
Enjoy the new Weekly Statistics feature that provides insightful breakdowns of income and expenses, helping you stay on top of your finances every week.