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, pay your Visa credit card bills from the app, and send & receive money to/from others. Our newest feature helps you fight and block spam SMSes.

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, unless the CleanSMS functionality is enabled, and it is set as your default messaging app.

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, Visa Card Payments, 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



Airtel, Dish TV, Sun, Tata Sky, Videocon


Utilities (Gas, Electricity)




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 is currently not supported, please report the SMS from the CleanSMS section. You can tap on the message icon to the left of the “+” button on home screen. Select the message by long pressing it and tap the arrow icon above to report the SMS, so support can be added 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.

Credit Card Payments

How can I pay my credit card bills from Walnut?

On the home screen, under Reminders, tap on the Rupee symbol (₹) for that credit card bill to initiate a credit card payment. Select the amount and tap on “Pay Now”. You will be prompted to add a new credit card or select an existing one linked to that card reminder. Proceed to make payment.

If for some reason your recent bill does not appear in the app, you can mark a previous bill as unpaid and make the payment. You can also pay by selecting the card account from the Accounts section, and from the card account page, tap on the three dots and select “Pay bill”.

* Terms & Conditions apply

Which credit card bill payments are supported by Walnut?

Currently, payments can be made only for Indian VISA credit cards. Support for MasterCard and American Express will be added later.

Can I make a minimum payment on the card or do I have to pay the entire amount?

Once you input your credit card details and tap on a bill to pay, you can enter a custom amount and then proceed to payment.

Is there a maximum limit on card payment amount?

Currently you can make a payment up to a maximum of Rs. 1,50,000/- at a time. If you need to make a payment beyond this amount, you can do multiple transactions.

From where are funds transferred for credit card payment?

Funds are transferred from the debit card you add on Walnut Pay, which is linked to your bank account.

How can I add my debit cards on Walnut Pay? Which debit cards are supported?

You can add and view your debit cards from Settings->Saved Cards & Banks. You can also add a debit card when you are making a credit card payment, after entering the credit card details.

Currently, you can add any Indian MasterCard and VISA debit cards. Virtual / wallet cards like PayZapp, Pockets and other cards like Rupay are not yet supported.

Where are my credit and debit card details stored? Is it safe?

Your card details always remain safe and confidential, and are encrypted and stored on secure servers which are PCI DSS (Payment Card Industry Data Security Standard) compliant. Only the cardholder name, card number and expiry date is stored. The CVV is never stored.  

How many days does it take to process payment? How can I check the status?

The payment is effected as on the same day you make it, though we would recommended making the payment at least 1-2 days before the due date rather than on the due date. The actual time to credit the card account / restore your credit limit varies across banks, and depends on the time taken by your bank to process the payment.

To check the status, tap on the Pay tab and select this transaction. If you wish to reconfirm, you can send us a support mail by tapping the envelope icon (“Email Support”) below on that page in the app.

Paid credit card bill, but status shows pending/failed

Successful card payment:

Payment to the card is completed only when the app status message confirms that bill payment is successful. At times, there could be a delay due to server/network issues at the bank, payment gateway or card network. If successful, it is effected the same day. Your bank will send a confirmation SMS/email within 2 days.

Card payment in process/pending:

If the status indicates the payment is in process, please do NOT attempt another payment – the app makes multiple retries before returning a “Success” or “Failed” status and you could end up making a payment twice. Refund will not be possible if both payments are successful.

Card payment failed:

If transaction fails, the app shows an option to add a bank account as default receiving instrument to get the refund quickly. If this is not done within 24 hours, then a refund is initiated by the payment gateway for credit to your account in 7 business days (excluding bank holidays).


Whether paying your card bill on or just before the due date, it is your responsibility to check the status and confirm if transaction was successful, and if pending or failed, make the card payment using another option. Walnut will not be responsible for any late fees or service charges due to this. You can email us with transaction details to reconfirm the status as well.

Can I delete all my saved cards from the app?

Yes, simply tap on the Bin icon below your saved card to delete it. You can add it again any time.

Send And Receive Money

How can I send and receive money?

On the home screen, tap on the Rupee symbol (₹), below, and then on the “Send Money” or “Request Money” buttons to send and receive money respectively. Select the name of the person, input the amount and a message and you’re done.

Currently, you can send money from a valid Indian MasterCard or Visa debit card. RuPay cards are not yet supported. Usage of virtual/prepaid cards like PayZapp, Pockets, Zeta, Oxigen etc are NOT supported or recommended – while transactions may still go through, you could face delays for getting your money or refund in case of unsuccessful transactions.

* Terms & Conditions apply

Can I send money to someone who does not have WalnutPay?

Yes, you can. However, only users who have a debit card or a bank account added on WalnutPay can receive money. If you send money to someone who doesn’t use WalnutPay, that user will receive an SMS with a link to install the app. Once the SMS is sent, the receiver has to install WalnutPay and add a debit card or a bank account within 2 days. If a user does not add a card or bank account in 2 days, the money is refunded to you.

You can also send money directly to someone’s bank account even if the receiver is not using Walnut. Tap on ‘Send Money’, select ‘Bank A/c’ and then ‘Add a new beneficiary’ – input the necessary details and send the money (Android only, as of now).

How long does it take to receive money?

If the receiver adds a bank account, the money is transferred within a few minutes. If a debit card is added, the money is received within 2 business days.

Can money be received on any debit card?

Currently, you can receive money only on a valid Indian VISA debit card. Support for receiving money to MasterCard/Rupay will be added later. Virtual / prepaid cards like PayZapp, Pockets, Zeta, Oxigen etc are NOT supported – while transactions may still go through, you could face delays for refund in case of unsuccessful transactions.

Do I have to share my bank details to receive money?

You do not need to share any details with anyone. Just add your bank account number and IFS Code in the app. If you do not know the IFS Code, you can search for your bank branch by tapping on “Lookup”.

Is there a maximum limit on sending or receiving money?

Currently you can send money up to a maximum of

Rs. 5,000/- per debit card, per day

Rs. 25,000/- per debit card, per month

There is no limit on receiving money to a debit card or bank account.

Money debited from my account, receiver didn’t get. What should I do?

The WalnutPay service is offered in collaboration with banks, payment gateway, NPCI and card networks (MasterCard/Visa). 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.

To know the status of a transaction, on the home screen, tap on the Rupee symbol (₹), and then on “Transactions”. Select the transaction, and from the transaction page, tap on the envelope icon which says “Email Support” – it will open your email app in Compose mode with pre-filled text.

The app makes multiple attempts to process the transaction before finally returning a failure status, after which a refund is initiated for credit to your account within 7 business days (excluding bank holidays).

Rest asssured, your money is safe at all times.