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Velora is a private personal-finance app for iPhone. You track your spending, set budgets and savings goals, scan receipts, and split bills in Shared Spaces, without connecting your bank, and without your text being sent to an AI server. All the smart features, including the optional Invest assistant, run on your device (see Privacy Policy).

You have three ways:

• Quick add: type it the way you'd say it, e.g. Waitrose groceries 62.40, Uber 14.80. Velora reads and categorises it; you confirm and save.
• Scan a receipt: photograph it and Velora reads the total and merchant on your device.
• Import a statement: bring in a bank-statement .csv file and confirm the entries.

Nothing is recorded until you confirm it.

No. Velora never asks for your bank login. You add transactions by typing them, scanning receipts, or importing a CSV statement, so you stay in complete control of what's recorded.

Velora runs on iPhone, via the App Store.

Yes. The quick-add parser, the in-app budgeting assistant, statement import and receipt scanning all run on your device; there's no large language model or AI server behind them, and the text you type isn't sent away to be processed. Receipt images are never uploaded, and only the transactions you confirm are saved. The optional Invest assistant works the same way: it answers with rule-based logic on your device, and your questions are never sent to an AI provider. You can read the detail in our Privacy Policy.

The transactions you save are synced to your own private account so they're backed up and available across your devices. Each person's records are isolated at the database level, walled off from every other account, and protected with encryption in transit (TLS). Receipt images stay on your device and are not part of that sync.

Yes. In Settings → App Lock you can set a device-local PIN, with optional Face ID / Touch ID on top. The PIN is stored only on your device (as a salted hash), never on a server.

Never. Velora shows no ads, doesn't sell your data, and doesn't share it for profiling. Your records exist to serve you inside the app.

Type one or more entries in plain language and Velora splits them into transactions with a category and amount. For example Tesco 45, lunch 12, salary 2100 becomes three entries you can review before saving. It all happens on your device.

Choose to scan a receipt and take a photo. Text recognition runs on your device to read the total and merchant; you confirm the result before it's saved. The image itself is not uploaded anywhere.

Export a .csv statement from your bank, then in Velora choose to import it. Velora auto-detects the columns and date format, categorises the rows, and lets you review everything before saving. This is a one-time file import. Velora doesn't stay connected to your bank.

Mark a transaction as recurring (e.g. a monthly subscription) and it appears in the Subscriptions view, where Velora totals them and flags price increases. Velora doesn't guess subscriptions from your history; you decide what counts, so the list is always accurate.

In Budget, set a monthly limit for each category. Velora tracks your spend against it and can remind you as you approach the limit (around 80%) and when you reach it (100%).

Create a goal with a name and a target amount (e.g. Holiday fund: £2,000) and update the amount you've saved as you go. Velora shows your progress towards each goal.

The Insights screen shows a category breakdown of where your money goes, month-on-month trends over the last several months, and your income-vs-expense balance. You can also export a polished PDF statement for any month.

Yes, Velora can send gentle local reminders when you're nearing or over a category limit, and reminders for upcoming recurring bills. Make sure notifications are enabled for Velora in your device settings.

A Shared Space lets you split bills with a partner, flatmates or friends. Everyone in the Space adds shared expenses, and Velora keeps a clear running balance of who owes what.

Create a Space and share its join code (a short 6-character code). The other person enters the code in their Velora app to join. Only members of a Space can see its expenses.

Shared expenses are divided equally among the Space's current members, and Velora computes the simplest set of settle-up payments so everyone can square up with the fewest transfers.

Velora is free to download and starts with a 14-day free trial of Velora Pro. After the trial it continues as an auto-renewing subscription: $5.99/month or $49.99/year (around a 30% saving). You can cancel any time before the trial ends to avoid being charged.

Velora is one simple plan: you get full access free for 14 days, then it becomes Velora Pro. There's no separate cut-down free tier; everyone gets the complete app during the trial so you can decide properly.

Subscriptions are billed by Apple, so you cancel in your App Store account:

• iPhone: Settings → your name → Subscriptions → Velora → Cancel.

You keep Pro access until the end of the period you've already paid for.

Open Settings → Restore purchases to re-sync your subscription. Make sure you're signed in to the same App Store / Google account you purchased with. If it still doesn't appear, contact us and we'll help.

Because Apple handles billing, refunds are requested through Apple: via reportaproblem.apple.com. We're happy to help you through it.

From the month view you can export a clean, professional PDF statement for any month, then share or save it. It includes your transactions, category breakdown and totals for that period.

Velora is available in five languages (English, Türkçe, Українська, Italiano and Polski) and six currencies: GBP, USD, EUR, TRY, PLN and UAH.

In Settings, choose Delete account and confirm. This permanently removes your account and the data stored in it. (Cancelling your subscription is separate; do that in your App Store settings.)

On-device scanning works best with a flat, well-lit receipt and the whole receipt in frame. You can always edit the amount, merchant or category on the confirmation screen before saving.

Check that notifications are enabled for Velora in your device's settings, and that the relevant budgets have limits set. Reminders are local to your device.

Shared Spaces sync over the internet, so check your connection. Pull to refresh the Space, and confirm everyone is using the same join code for the same Space.

Make sure you're signed in to the same Velora account on each device and have a working connection. Your saved transactions sync to your private account automatically.