WithBFF is an AI-powered personal finance assistant that works entirely through SMS text messages. You can check your bank balance, track spending, get budget alerts, and manage savings goals—all by texting simple questions like 'What's my balance?' or 'Can I afford to eat out tonight?' No apps to download, no complex dashboards. Just text-based conversations about your money.

How do I check my bank balance with WithBFF?

After securely linking your bank account through Plaid, simply text 'balance' or 'What's my balance?' to your WithBFF number. You'll receive an instant text reply with your current account balance. Works 24/7 from any phone.

Is WithBFF secure? How is my banking data protected?

Yes, WithBFF uses bank-level encryption and connects to your accounts through Plaid, the same secure service used by Venmo, Coinbase, and 8,000+ other financial apps. We never see your bank login credentials—only read-only transaction data. Your phone number and text messages are encrypted. We never sell your data or use it for marketing.

How much does WithBFF cost?

Private beta is completely free. After beta, regular pricing will be $9.99/month. Early access users who join the waitlist now will receive a special locked-in rate lower than $9.99/month—forever. No credit card required for beta.

What banks work with WithBFF?

WithBFF works with 10,000+ banks and credit unions via Plaid, including Chase, Bank of America, Wells Fargo, Capital One, and most local credit unions. If your bank offers online banking, it likely works with WithBFF.

Do I need to download an app?

No app download required. WithBFF works entirely through SMS text messages. Works on iPhone, Android, or any phone that can send texts. No iOS/Android app to install or update.

What questions can I ask WithBFF?

You can ask WithBFF in natural language: 'What's my balance?', 'Where did my paycheck go?', 'How much did I spend on groceries?', 'Can I afford to eat out tonight?', 'Help me save $500 by summer', 'Am I going to overdraft?', and more. No commands or menus—just text like you would to a friend.

How does WithBFF track my spending?

WithBFF automatically categorizes your bank transactions (groceries, dining, transportation, etc.) with 95% accuracy. You can correct miscategorizations if needed. The AI learns your spending patterns and provides insights like 'You're spending 2x your usual on dining this month' or alerts you when you're about to exceed your budget.

Can I cancel WithBFF anytime?

Yes, you can cancel anytime with no contracts or commitments. Simply text 'I want to cancel' and we'll process it immediately. You can also disconnect your bank account at any time through your settings.

Does WithBFF work on any phone?

Yes. WithBFF works on any phone that can send and receive SMS text messages—iPhone, Android, or even flip phones. No smartphone required, no app to download.

WithBff - Text Based Money Management | Check Balance, Track Spending & Save by SMS

Name: WithBFF
Availability: InStock
Rating: 4.8 (127 reviews)
Author: WithBFF

WithBFF - Text-Based Money Management

WithBFF is an AI-powered personal finance assistant that works entirely through SMS text messages. Check your bank balance, track spending by category, get budget alerts, and reach savings goals—all by texting simple questions. No apps to download, no complex dashboards. Bank-level security with Plaid integration. Free during private beta with special locked-in pricing for early access users.