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Spent

Connect your bank

USING SPENT

Connect your bank.

Pick your bank, paste your credentials. Spent encrypts them and never sends them anywhere.

After you install Spent, opening the dashboard for the first time launches a short setup wizard. The wizard asks for your bank’s login the same way the bank’s own website does.

IsracardHapoalimLeumi
012345678
••••••••
Encrypted locally

You can connect multiple banks. Run the wizard again from Settings → Banks.

How credentials are stored

Section titled “How credentials are stored”

Spent stores your bank password (and your Claude API key, if you use one) encrypted with AES-256-GCM in a local SQLite database at data/spent.db. The encryption key is generated on first run, written to data/.encryption-key, and never leaves your computer.

Read the full mechanism in Security & privacy.

A note about 2FA

Section titled “A note about 2FA”

Most Israeli banks do not support 2FA in a way that’s compatible with automation. If you have 2FA enabled, you’ll need to disable it on the bank’s side before Spent can log in.

Per-bank credentials

Section titled “Per-bank credentials”

Each bank asks for slightly different fields. Here’s what each wants.

Credit cards

Section titled “Credit cards”

Isracard

Section titled “Isracard”
  • ID number — your 9-digit Israeli national ID (Teudat Zehut).
  • Last 6 digits of your card — from the front of the card.
  • Password — the same password you use on digital.isracard.co.il.

Visa Cal

Section titled “Visa Cal”
  • Username and password from cal-online.co.il.

Max

Section titled “Max”
  • Username and password from max.co.il (formerly Leumi Card).

American Express IL

Section titled “American Express IL”
  • Username and password from your Israeli Amex account.

Banks

Section titled “Banks”

Bank Hapoalim

Section titled “Bank Hapoalim”
  • User code and password. The user code is not your ID number — it’s the one shown in the bank app’s Personal area.

Bank Leumi

Section titled “Bank Leumi”
  • Username and password.

Mizrahi Tefahot

Section titled “Mizrahi Tefahot”
  • Username and password.

Bank Discount, Mercantile Discount

Section titled “Bank Discount, Mercantile Discount”
  • ID number, password, and an account number (sometimes labeled num).

First International (FIBI), Otsar Hahayal, Bank Pagi

Section titled “First International (FIBI), Otsar Hahayal, Bank Pagi”
  • Username and password. All three are FIBI-group banks and share a login pattern.

Bank Yahav

Section titled “Bank Yahav”
  • ID number and password.

Bank Massad, Union Bank

Section titled “Bank Massad, Union Bank”
  • Username and password.

One Zero

Section titled “One Zero”
  • Email, password, and an OTP delivered to your phone during each sync. Spent will pause and prompt you for the OTP when needed.

Benefits

Section titled “Benefits”

Beyahad Bishvilha, Behatsdaa

Section titled “Beyahad Bishvilha, Behatsdaa”
  • Username and password from the benefit-scheme website.

What happens when you click Sync

Section titled “What happens when you click Sync”

Spent opens a headless Chromium tab, logs into the bank using your credentials, and pulls the last 6-12 months of transactions (depending on the bank). The first sync can take a few minutes — subsequent syncs are faster because Spent only processes new transactions.

Syncing Isracard
23 of 47~12s left
Connected
Fetched May
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Sync runs in the background. You don’t need to keep the browser open. If a sync fails, Spent shows the error in the dashboard with a hint about what went wrong (see Troubleshooting).

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