Summary
Yes, on Android, Nance can access your transaction SMS messages (with your permission) to detect and track transactions in real time.
How This Works in Nance
Nance uses SMS parsing on Android devices to enhance transaction tracking speed and coverage.
SMS-Based Transaction Detection (Android Only)
- With your permission, Nance reads transaction-related SMS messages sent by your bank
- It identifies key details like:
- Amount
- Merchant or sender
- Transaction type (debit/credit)
- This allows Nance to show transactions almost instantly
How This Works Alongside Bank Connection
Nance uses a hybrid system:
- SMS parsing (real-time detection) → Fast updates
- Bank connection (Account Aggregator) → Accurate and complete records
This means:
- You may see transactions appear instantly via SMS
- They are later validated and synced with bank data
Important to Know
- SMS access is optional and permission-based
- Nance only reads transaction-related messages, not personal conversations
- On iOS, SMS access is not available, so only bank-based syncing is used
Why This Matters
- Faster transaction visibility
- Better tracking even before bank sync completes
- More complete coverage across payment channels
Real-time from SMS. Accuracy from the bank.
Nance quietly does both.