Know where your money actually went.
Upload your statements. Never type a transaction. Vinelo reconciles them into one clean financial history.
3 transactions need review
15.000.000VND
19 Sep
Techcombank TCBS
Confidence: High
Reconciled for real on
Any bank's PDF statement can be read. Vinelo only reads files you upload, with no connection to your bank.
You never type anything in.
No transactions to key in. No accounts or cards to set up by hand. A statement declares its own bank, card and period.
The only thing you do is upload the file.
Moving money is not spending money.
Same month, same statements. The difference is in the reading.
What a tracker sees
Spending
Spending this month
68.000.000
What Vinelo sees
Counted as spending
Not spending
Actual spending
23.000.000
The other 45.000.000 did not disappear. It moved.
From statement to clean ledger.
Four steps that run every time you bring in new data.
Import
A PDF, a CSV, or the statement email your bank already sends you.
Normalize
Every line lands in one shape, with the merchant identified.
Apply rules
Your rules run first. Deterministic, repeatable, explainable.
Reconcile
Match transfers, card repayments, refunds and duplicates.
Your original statement stays intact. Vinelo never overwrites what you imported.
What Vinelo works out on its own.
Internal transfers
Money moving between your own accounts is not spending.
- MB Bank
- 23 Sep 10:22
- -20.000.000
- HSBC
- 24 Sep 01:14
- +20.000.000
One movement of money, not two transactions.
Credit-card payments
Paying the card is not new spending. Nothing gets counted twice.
- Spent on the HSBC card
- 15.000.000
- Card payment from MB
- 20.000.000
Only 15.000.000 counts as spending.
Refunds
A charge and a matching credit are paired back together.
- Shopee, 23 Sep
- -2.000.000
- Shopee, 26 Sep
- +2.000.000
Net spending of zero.
Duplicates
The same transaction arriving from two imports is kept only once.
- From the CSV import
- -450.000
- From the PDF import
- -450.000
One transaction kept.
Merchants
Unreadable statement descriptions resolve to the actual brand.
GRAB* A-28F934
GRAB* SGF99120
GRABPAY VN
GrabTransport
The longer you use it, the less there is to do.
Vinelo learns your rules. The review queue shrinks month over month.
Month 1
42
need review
Month 2
17
need review
Month 3
5
need review
Month 6
4
need review
Month 6: 132 transactions processed, 128 automatic, 4 need review.
Privacy is a feature.
We only make claims that are technically true. Here are straight answers to the questions you are going to ask.
No. When you connect Gmail, Vinelo looks only for statement emails from supported banks and opens only those. Access is read-only.
Start free. Pay for the automation.
- 2 accounts or cards
- 3 months of history
- Manual statement upload
- Reconciliation and dashboard
Want this to happen automatically every month?
Plus
399.000₫per year
- Unlimited accounts and cards
- Unlimited history
- Your own rules
- Advanced spending analytics
Auto
Recommended699.000₫per year
- Finds statements in Gmail for you
- Advanced reconciliation
- AI help on unfamiliar descriptions
- Priority support for new statement formats
Planned pricing. It may change before launch.