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01Linking a bank

Bablo connects to your bank read-only. Tap Link account, find your bank, and sign in on the bank-linking screen — your bank username and password never touch Bablo's servers, and all we get back is a read-only token. (Who handles the login.)

Right after linking, Bablo pulls your recent transaction history. Depending on the bank, the full history (up to about 90 days) can take a minute or two to land.

02Syncing & freshness

New transactions flow in automatically — usually within minutes to a few hours of a charge, depending on how quickly your bank reports it.

• Pending charges show up quickly but can change name or amount when they settle — that's the bank finalizing, not a bug.
• Pull down to refresh on the Home tab if something feels stale.
• Balances refresh whenever transactions sync.

03Fixing a connection that needs repair

Banks occasionally expire a connection — after a password change, or just on a timer. When that happens the bank's card shows a needs repair notice.

1. Open the Me tab and tap Linked accounts.
2. Tap Repair on the affected bank.
3. Re-enter your credentials on the bank-linking screen. Your history and settings stay intact.

04Adding accounts at a bank you've already linked

Opened a new card or account at a bank that's already connected? Don't link the bank again — tap Add accounts on that bank's card in Linked accounts, and pick the new accounts on the bank-linking screen. Bablo pulls their history automatically.

05Understanding the numbers

The big number on Home is what's actually safe to spend this month: your income, minus bills we've detected, minus what you've set aside for goals and planned expenses, minus what you've already spent. Tap it for the full "How we got this" breakdown.

• Month-end forecast projects where you'll land if your current pace continues. It's an estimate, surprises included, so the app says about rather than pretending to the cent.
• Pulse is the rearview mirror: where all your money went, bills included.
• Coach looks ahead and suggests one concrete move at a time.

A number looks wrong? Tap into it — almost every figure in Bablo explains itself. If it still looks off, email us; we genuinely want to know.

06Editing transactions

• Recategorize: tap any transaction and pick a new category. Bablo offers to move the merchant's other charges too, and can remember the rule ("Always file ARCO under Travel") for future syncs.
• Don't count this: excludes a transaction from every total while keeping it visible in your feed — for reimbursements, transfers between your own accounts, and other noise.
• Notes: add a note to any transaction so future-you remembers what that charge was.

07Security

• Read-only by design. Bablo can see transactions and balances; it can never move, spend, or hold your money.
• Face ID lock: turn it on in the Me tab so opening Bablo requires you.
• Credentials stay with your bank. You sign in on the bank-linking screen; Bablo only ever holds a revocable, read-only token.

The full picture — encryption, retention, what we never do — lives in the Privacy Policy.

08Deleting your data

Unlinking a bank (Linked accounts → bank card → Unlink) cuts that connection at the source and removes it from Bablo — along with that bank's accounts and the transactions we pulled from it. Your other linked banks and their history are untouched.

To delete your entire account — connections, transactions, goals, profile — open the Me tab and tap Delete account. It's immediate and permanent: your data is erased and Bablo disconnects from your bank. Prefer we handle it? Email hello@babloapp.com from the address on your account and we'll process it for you.

09Contact us

Stuck, confused, or just have an idea? Email hello@babloapp.com. Bablo is built by a small team that reads every message — bug reports with a screenshot are gold.