Frequently asked questions
Quick answers, with a full guide when you want the details.
Do I need to verify my email?
Yes for email-first signup. Complete the verification link and choose a password before logging in.
Read the full guideHow long does a verification link last?
15 minutes from issue, and it works once. Request a new link if it has expired.
Read the full guideDoes Spndy connect to my bank?
Creating an account in Spndy creates a manual tracking record, not a bank connection.
Read the full guideWhy do Google and password sign-in behave differently?
Google verifies a Google identity; an email password uses your Spndy credentials. Use the method linked to your login.
Read the full guideWhat if I lost my authenticator phone?
Use an unused saved recovery code. If you have neither, contact support.
Read the full guideCan I paste a six-digit code with a space?
Yes. Use the authenticator entry for the six digits, or the separate recovery field for a recovery code.
Read the full guideDoes changing currency convert my money?
No. Preferred currency and account-label corrections do not convert amounts.
Read the full guideWill marking a bill paid reduce my balance?
No. It records a bill payment occurrence; a separate expense record changes the recorded account balance.
Read the full guideIs Safe to spend my bank's available balance?
No. It is an estimate from your recorded balances, selected settings and known commitments.
Read the full guideAre household members shown all my transactions?
No. Membership does not automatically share all personal records.
Read the full guideCan I send email invitations to a household?
Email and username invitations are paused. Use the private household code path shown in the app.
Read the full guideCan I import a bank CSV?
When your plan includes CSV import, use the supported columns and review the preview for a selected account.
Read the full guideShould I re-import after a connection error?
Check Activity first: an interrupted import may have added some rows.
Read the full guideDoes AI change my budgets automatically?
No. Budget suggestions need your review; the tool does not change your budgets for you.
Read the full guideCan I withdraw AI permission?
Yes. Use Turn off AI analysis or Withdraw AI permission in Spndy AI.
Read the full guideWhere are current prices and limits?
Check Plans & pricing and your Subscription screen. Availability and entitlements can vary.
Read the full guideDoes deleting my login cancel my subscription immediately?
A deletion request is reviewed. Manage cancellation separately and contact support where needed.
Read the full guideIs this a public discussion forum?
This is Spndy's help library. For a private conversation about your account, use Contact support.
Read the full guide