Your statements never leave your device
Drop in your bank statements. Sift reads them right in your browser and gives you a calm, clear picture of every naira — across every bank you use.
How it works
Get the PDF from your bank app or email — the same one you'd send for a visa or loan. Sift tells you exactly where to find it for each bank.
Sift reads it inside your browser, unlocks password-protected PDFs, and checks every total against what your bank printed.
Spending by category, money between your own accounts set aside, bank charges, recurring payments and a 90-day forecast.
OPay, PalmPay, Kuda, GTBank, Moniepoint, FirstBank, FairMoney, Stanbic IBTC, Sterling, Providus and Globus side by side — with balances, cash flow and every transaction in one place.
Moving ₦50k from FirstBank to PalmPay isn't spending. Sift spots transfers between your accounts so your numbers stay honest.
Every statement is verified against the totals your bank printed on it. If something doesn't add up, Sift tells you.
Stamp duty, SMS alerts, card maintenance, transfer fees — added up, so you can see what banking really costs you.
Set monthly limits per category and see where you stand at 75% and 100%.
Recurring payments detected automatically, plus a 90-day projection with what-if sliders.
Privacy by design
Bank statements are some of the most sensitive documents you own. So Sift never uploads them. Your PDFs are opened, read and stored inside your own browser, encrypted on your device.
Switching devices? Download an encrypted backup protected by a passphrase only you know, and open it on the other device.
See exactly how your data stays private →When you use Ask Sift, a summary of your totals is sent to answer that question. It isn't stored.
Pricing
Everything you need to understand your money.
Questions to an AI that knows your numbers. They never expire — buy another pack only when you run out.
Your first 3 questions are free
Why is this paid? Every answer costs us real money in AI usage. Charging a small one-time fee keeps the rest of Sift free for everyone.
No. Sift never asks for your bank login. You upload the PDF statement your bank already gives you.
Right now: FirstBank, Moniepoint, PalmPay, Globus Bank, OPay, Kuda, Kuda Business, GTBank, FairMoney, Stanbic IBTC, Sterling Bank, Providus Bank. If your bank isn't there, use “Request your bank” and we'll tell you when it's added.
Yes. Enter the password when Sift asks — the PDF is unlocked in your browser, and the password isn't sent or saved anywhere.
Your data lives on your device, so download an encrypted backup from Settings and open it on the new device. Without a backup, just upload your statements again.
No. Your statements never reach us. Ask Sift sends a summary of totals only to answer the question you asked.