Pay the way you normally do, and the amount and the place appear in Heartdue a moment later: counted against your budget, sorted into a category, and linked to a bill if that's what it was. No bank login, and nothing to type.
Make sure your bank tells you when you pay — a notification from its app, a text message or an email. If it doesn't, switch payment alerts on in the bank's app first; that alert is what Heartdue reads.
The free Heartdue app reads the payment alerts your bank already sends — from its app, by text or by email — and logs them for you. Nothing else to install, and it takes about three minutes.
Check it works: tap Send a test. Heartdue replies “Connected!” and logs nothing. Your next card payment appears under Recent in the app, and on your Spending page, a moment later.
Anything your bank doesn't tell you about won't appear, and neither will cash. Add those on the Spending page. Messages that aren't payments are ignored.
The Heartdue app's Recent list shows each payment it sent and what Heartdue replied.
| Reply | What it means |
|---|---|
| Connected! | The key works. Nothing was logged because there was no payment; that's what Send a test shows. |
| Connected. That notification didn't look like a payment | An alert with no payment in it, like a login notice. Nothing to fix. |
| Logged 12.50 at … | Saved. It's on the Spending page. |
| Looks like your … bill | Saved and linked to a bill already on your list, so it isn't counted twice. |
| Already logged | The same payment arrived twice (usually a slow connection). The repeat was ignored. |
| This phone's key isn't valid any more | The phone was removed in Heartdue, or the key was pasted wrongly. Add the phone again for a fresh key. |
| …comes with Essentials | Logging from a phone needs the Essentials plan or above. |
| …pausing it for a while | More than 30 payments in an hour from one phone. It picks up again on its own. |
| Android hid this message from Heartdue | Android 15 hides messages it thinks contain a code, and “card ending 1234” looks like one. Turn off Settings → Notifications → Enhanced notifications. |