How Do I Get Started with iSpent19?

iSpent19 is a money tracking app that consolidates personal accounts and credit cards, lets you tag and annotate transactions, and shares spending with others in private virtual rooms. You can get set up in under 3 minutes and for free, according to the site. To start, download the app, connect your accounts through Open Banking, and then decide what you want to track personally versus share with a group.

What iSpent19 Does

The app is built around three ideas, reflected in its tagline "iSpent, You Spent, We Share":

• iSpent — Securely consolidate personal finance, current accounts and credit cards in one app so you can track your spend in one place.
• Personalisation — Tag, track, attach, annotate and link transactions to create a money tracking app that is meaningful to you.
• We Share — Track shared spend and transactions with others, with total visibility on group spending.

Getting the App

The site's call to action is "Get the App," and it states you can "Get set up in under 3 minutes & for FREE." The page does not specify which app stores host it or list device requirements, so check your usual app store for the iSpent19 listing to confirm availability for your device.

Setting Up and Connecting Accounts

1. Install the app from your app store and open it.
2. Create your account — the site claims setup takes under 3 minutes.
3. Connect your accounts — iSpent19 consolidates current accounts and credit cards using Open Banking. The app is registered with the FCA for Open Banking, which is the framework that lets authorised apps access your bank data with your consent.
4. Review your consolidated spend — once connected, your accounts and cards appear in one place for tracking.

Personalising Your Tracking

After your accounts are connected, you can make the tracking meaningful to you by:

• Tagging transactions
• Tracking them over time
• Attaching notes or files
• Annotating entries
• Linking related transactions together

This is the step that turns a plain transaction list into a system that matches how you actually think about your money.

Tracking Shared Spending

For expenses shared with others, iSpent19 uses My Lounge, where you share what you've spent in virtual Private Rooms. The site highlights three use cases:

In a Private Room, everyone can see who's spent what, and on what.

Is It Safe?

The site states the app offers bank-level security and is registered with the FCA for Open Banking. Open Banking registration means the app operates within a regulated framework for accessing bank account data, which is the relevant check to look for when connecting accounts.

Quick Checklist

• [ ] Find and install the iSpent19 app
• [ ] Complete setup (claimed under 3 minutes, free)
• [ ] Connect current accounts and credit cards via Open Banking
• [ ] Tag and annotate transactions to personalise tracking
• [ ] Create or join a Private Room in My Lounge for shared spend

The page does not detail pricing beyond "free," supported countries, or specific bank integrations, so verify those in the app before relying on it for a particular account.