About Walnut

What is Walnut?

One app for all your banks and cards. Walnut re-imagines your SMS inbox, and surfaces important information about spends, bills and tickets automatically, helping you make sense of where your money goes. You can also split spends with friends, and send & receive money to/from others with Walnut BHIM UPI.

Does Walnut read my personal messages and OTPs?

For managing spends, balances and bill reminders, Walnut only looks at messages from businesses like Banks, Merchants, etc. It ignores OTPs and does not read your personal messages, i.e. anything coming from a 10-digit mobile number.

Do you upload SMSes or transaction data?

Walnut securely transmits and saves your messages from businesses on our secure servers, only if you have backup enabled. This helps you recover the data when you have to change or reset your phone. Your personal data is not shared with any third-party. When you categorize a spend, anonymised merchant data is sent to the server – no transaction data is sent. OTPs and personal SMSes are not sent to the server.

Which platforms does Walnut support?

Android – Walnut Money Manager: Expense Tracking, Split and Settle Spends, Send and Receive Money

iOS – WalnutPay: Split and Settle Spends, Send and Receive Money

Using Walnut

Banks, cards and services supported by Walnut

Netbanking, Credit Cards and Debit Cards

Andhra Bank, Axis Bank, Bank of Baroda, Canara Bank, Central Bank of India, Citibank, Corporation Bank, Dhanlaxmi Bank, HDFC Bank, HSBC, ICICI Bank,Indian Bank, IndusInd Bank, Jammu and Kashmir Bank, Kotak Mahindra Bank, Punjab National Bank, RBL Bank, Standard Chartered Bank, State Bank of India, Syndicate Bank, United Bank of India, Vijaya Bank, YES Bank

 

Netbanking and Debit Cards

Allahabad Bank, Bandhan Bank, Bank of India, Bank of Maharashtra (debit cards only), Catholic Syrian Bank, City Union Bank, Cosmos Bank, DCB Bank, DBS Bank, Dena Bank, Deutsche Bank, Federal Bank, IDBI Bank, IDFC Bank, India Post, Indian Overseas Bank, Karnataka Bank, Karur Vyasa Bank, Lakshmi Vilas Bank, Oriental Bank of Commerce, PMC Bank, PSB Bank, Royal Bank of Scotland (RBS), Saraswat Bank, Shamrao Vithal Co-op. Bank, South Indian Bank, State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala, State Bank of Travancore, Tamilnad Mercantile Bank, TJSB Bank, Union Bank of India, UCO Bank

 

Credit Cards

American Express, TATA

 

Businesses, Services, Wallets

ACT Broadband, Aircel, Airtel, Airtel Money, Amazon Pay, Axis PayGo, BookMyShow, BSNL, Cleartrip, FreeCharge, GoIbibo, ICICI Meal Card, ICICI Multi-Wallet Card, Idea, Infosys SmartCard (iMoney), IRCTC, JioMoney Wallet, MakeMyTrip, Mobikwik, MoboMoney, Olacabs, Paytm, PayZapp, Pockets, Reliance Mobile, Sodexho, Tata Docomo, Ticket Restaurant, Vodafone, Yatra, Zeta

 

DTH

Airtel, Dish TV, Sun, Tata Sky, Videocon

 

Utilities (Gas, Electricity)

Adani Gas, APEPDCL, APSPDCL, BESCOM, BSES, CESC, DHBVN, Gujarat Gas, GUVNL, Mahanagar Gas, MSEDCL, Sabarmati Gas, TANGEDCO (TNEB), TATA Power, TSSPDCL, UHBVN, UPPCL

 

Insurance

HDFC Life, ICICI Prudential, Kotak Life, LIC, MAX Life, SBI Life

 

Walnut does not detect SMSes from my bank/service provider

We are continually adding support for more and more businesses and services. If your bank or service provider/merchant is currently not supported, please report the SMS by tapping on the Profile Icon and then on Biz Messages. Select the sender to view all messages received from that sender. Tap on “Request to Support” so this SM format can be incorporated in a later update.

Adding spends manually if no SMS received

At times, the bank may not send an SMS for a transaction or you may not receive it due to poor network/on roaming etc. You can add such spends manually by tapping the “+” button on the home screen and selecting the account from the drop-down list. Alternately, from that account’s page in the app, you can tap on the three dots above and select “Add Spend”

How can I allocate ATM withdrawal amount to spends?

To account for the cash withdrawn from ATM, you can add cash spends manually by tapping on the “+” button below on the home screen, and add spend details, assign a category and tags.

Cash spends are marked as ‘not an expense’ by default to avoid double counting with ATM withdrawals, and are displayed in the pie chart with breakup of category wise spends.

Unable to see any spends in the app (Xiaomi, Vivo, Lenovo)

Installed Walnut on a new phone, or have reset it and there are are no SMSes? Once you start receiving SMSes, Walnut will automatically detect them and display your spend summary.

This is a known issue with these phone modes where some settings have to be enabled:

Xiaomi – Add Walnut to Autostart via Security App-Permissions-Autostart. Xiaomi has added an extra permission for “Service SMS” in MIUI8 – enable it from Security App-Permissions-Other Permissions-Walnut.

Vivo – Switch on Walnut to run in the background from iManager->App manager->Autostart manager

Lenovo – From Settings->Power Manager->Background App Management- enable autostart for Walnut.

and other devices which specifically require you to enable the app to run in the background. Once done, kill the app from active apps list and relaunch it. Run the Rescan SMS option from Settings.

Cash/wallet spends marked Expense, not visible in chart

In the app, cash/wallet spends are marked as ‘not an expense’ by default to avoid duplication with ATM withdrawals and wallet load/top-up respectively. You can edit the transaction and set it as ‘expense’ and view these transactions from the Cash or wallet account.

To change the behaviour entirely, from Accounts section, tap on “See All” and select the Cash/wallet account. Tap on the three dots above, and from Settings, change the default “Not an expense” setting to “Expense”. option. All your cash/wallet spends will appear in the main expense bar chart.

Remember to set your ATM withdrawal/wallet top-up transactions as ‘not an expense’ to avoid any double counting.

Using Walnut across multiple devices

Currently, Walnut does not support syncing across devices – at a time, you should use an email id and phone number only on a single device. Using Walnut on multiple devices with the same email id or phone number can cause problems when restoring your data or using your debit/credit cards and bank accounts with WalnutPay.

Export data to PDF/CSV(Excel)

To export your data, select ‘Email Statements’ from the left nav drawer, or tap on the filter icon that appears on the top right of your screen when viewing your monthly spends, account information or tags.

“Export Data in Walnut

You can then select the date range, review the data and export it. You will receive your report via email in PDF and CSV (Excel) format. Do remember to check your Spam / Promotions folders in case you do not see the mail in your Inbox.

 

Restore Walnut data on reset/to new phone

On your old phone, ensure Backup is switched ON and the text below should say ‘up to date’. This backup is linked to your email id associated with the app.

On the new phone (or after resetting existing phone), first ensure this email id is added to the device as a Google Account. On installing Walnut, it will detect and prompt which email id you wish you use (if you have more than one id). Select this id. The app will check for an associated backup profile, and if found, prompt you to restore it.

You can then continue using the app on the new phone with your existing data. Remember to use and verify the same mobile number to get all group and WalnutPay related data as well.

Delete data from the app/server

To delete your data from the app:

– From app Settings, disable backup
– From phone Settings, select the app, tap on Storage
– Select “Clear Data” option (exact sequence may vary across phones)

To delete your data from the server:

– From app Settings, disable Backup
– The “Delete backup” option will now be enabled
– Tap on it to delete your data from our servers
– Uninstall the app

Note: If you choose to reinstall the app, it will detect the SMSes on your phone and recreate your spend summary based on them.

Split and Settle Spends

What is Bill Split and how does it work?

Bill Split in Walnut is a feature that lets you split spends with your friends, colleagues, room mates, family. Create a group for specific activities (like a Goa trip), or for specific users (like room mates), add your spends to the group and decide who pays how much. Split and settle spends over a chat with group members and more, all from within the app itself.

* Terms & Conditions apply

How do I add a bill or group?

To split a spend, tap the Split icon when you edit a transaction and then the friends button below to add a new group. Start typing in the name of whoever you’d like to split the bill with and then on ‘Done’ above.

You can also add a group first by tapping on the Groups tab on the homescreen and then on “New Group”. Once the group is created, you can add a spend to it and chat with other group members.

Can I delete a group?

A group can be deleted only by the person who created it. Once deleted, data pertaining to that group cannot be retrieved and all expense and split related information will be lost.

How can I leave a group?

To leave a group, tap the Exit icon on the top right of the group. If there are unsettled dues (from you or owed to you), you will see a prompt prior to leaving the group. Pending amounts to/from you will continue to show up in the app for other members till all dues are settled.

Can I add or remove a person from my group?

Adding or removing group members can only be done by the person who created the group.

Can I track money that people owe me, but without letting them know?

Yes, on the home screen, tap on the Rupee symbol (₹), and then on the “Add Group” button below. Select group members. From the Create Group page, you will see two options – Shared Group and Private Group. Select Private Group.

You can input details of the money owed to you / you owe. Do note that
a) other group members will not receive any messages or notifications about group activities
b) a Private Group cannot be changed to a Shared Group or vice versa

Can I add spends on behalf of others?

Yes. To do so, tap on the Rupee symbol (₹), create a new group or select an existing group. Add the person who has made the spend. Tap the “+” button on the bottom right of the screen, which will display a list of your spends. Tap the “+” button again to add a new spend.

The drop-down has a default text “Paid By You”. Tap on it to add the name of the group member who has made the spend along with other details. Once done, tap on “Split” to allocate the amount among members of the group and tap on “Done”.

How can I settle pending spends?

If you owe money, tap on the “You Owe” button in the Groups tab or within a group. This will show you a list of friends who you owe money to. Tap on the blue WalnutPay icon to initiate the payment. If another user reminds you to settle, you can tap on the “Pay” button in the notification.

Send And Receive Money

Send and receive money with Walnut BHIM UPI

On the home screen, tap on the Rupee symbol (₹) below, and then on the “Pay” or “Request” buttons to send and request money respectively. Select the name of the person or bank a/c details, or input a new beneficiary.

* For now, Walnut BHIM UPI is available only on the Walnut Android app. We shall confirm once it is launched on iOS.

Understanding Walnut BHIM UPI

What is a VPA or BHIM UPI Id?
A Virtual Payment Address (VPA) or BHIM UPI Id is a unique identifier which can be used to send or request money on UPI.

How can I set up my BHIM UPI Id?
– If you have already set up the UPI functionality with your bank, the app will send a request to your bank to fetch the necessary information. The PIN will be the same as set before for that bank account.

– Please ensure the mobile number registered in the app is the same one linked with your bank on which you get debit alerts.

– If you have never used UPI before, you can initiate the process to link your savings bank account and set a PIN. If you have already set up a UPI PIN before, that PIN will work for the same account in Walnut.

– To check if your bank is supported, you can view the complete list here. While signing up, grant the necessary permissions to the app to complete this process.

What is a UPI PIN?
UPI PIN is a 4 / 6 digit number that you can set after completing the registration process. This PIN will be used for authenticating all transactions done via UPI from that bank account, and once set, it is the same for that bank account across all UPI payment apps. You can change the PIN from App Preferences->Payments, or generate a new one if you have forgotten the existing PIN.

Receiving money

You can initiate a collect request from your contacts. Once you input the BHIM UPI Id, the name will be shown, so you can verify it. Input the amount and a message, and tap on the “Request” button. The person receiving your request can either pay or decline your collect request.

Once the transaction is initiated, the amount should be credited to the recipient account within a few minutes.

Send Money from Walnut BHIM UPI

You can send money to a valid BHIM UPI Id (VPA), a bank account or via a QR code. When you select a BHIM UPI Id, the app will display the name of the person, so you can verify the recipient’s details.

Money can also be sent directly to a bank account. You can add a beneficiary account by searching for the IFSC or the bank branch name and input account information.

To send money via QR code, the app will request for Camera permission in order to scan the QR code. You can pay at all merchant outlets that display a BHIM UPI QR code.

* Money once sent through UPI (whether correct or incorrect BHIM UPI Id, bank account or QR code) cannot be reversed.

Using Walnut BHIM UPI for online purchases or bill payments

You can use your Walnut BHIM UPI Id to pay for your purchases at Amazon, Flipkart, MakeMyTrip, ClearTrip, Zomato, Swiggy, Ola, Uber etc or even to pay your utility bills online. Select the payment mode as UPI and input your Walnut BHIM UPI Id. You will receive a collect request from the merchant in the Walnut app. Please confirm that the id is from the same merchant, and then proceed to make the payment.

Is there a maximum limit on sending or receiving money?

Currently, you can
– send money from ₹1 to ₹1 lakh per transaction (P2P transfer or merchant payment)
– perform 10 transactions (P2P) in a day (across all UPI apps from this bank account)

Individual banks may have different limits. You can re-confirm these limits with your bank.

Money debited from my account, not received by beneficiary

Walnut BHIM UPI is offered in collaboration with banks and NPCI (National Payments Corporation of India). At times, there can be server/network issues with either of them due to which a transaction is unsuccessful or remains stuck in a pending state.

In most cases, the receiver will get the money. If that doesn’t happen, the amount should be credited back to your bank account within T+3 days. If this does not happen in the stipulated time-frame, tap on the Transactions button and select this transaction. From “Transaction Details”, tap on “Email Us” to send us this information so we can check and confirm. You can also share the UPI transaction id with your bank to check for status of this transaction.

Rest assured, your money is safe at all times.

Transaction failed or is pending

Transaction has failed, but money still debited from account

In case of a failure, once confirmation is received from the banks and NPCI, the money will be refunded to your account within 48 hours.

Transaction is still shown as Pending

While most UPI transactions are processed successfully within minutes, there can be rare instances where we do not get confirmation from NPCI or receiving bank within the stipulated TAT. In such cases, the transaction gets stuck in a Pending state and we continuously check the status with NPCI to confirm success or failure.

If successful, both the recipient and you will be notified of the credit. In case of failure, the banks involved in this transaction will do a reconciliation and refund the money to your account within 48 hours.