About Walnut

What is Walnut?

One app for all your banks and cards. Walnut reimagines your SMS inbox, and surfaces important information about spends, bills and tickets automatically, helping you make sense of your money. 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 find an #ATMwithCash

Does Walnut read my personal messages and OTPs?

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. Walnut does not share this information with anyone.
When you categorize a spend, anonymized merchant data is sent to the server. No transaction data is sent.

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

How can I export my data from the app?

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.


Why is Walnut not showing me any information?

This happens if you have installed Walnut on a new phone, or have reset it and there are are no messages in your SMS inbox, Once you start receiving SMSes, Walnut will automatically pick up the right messages and display your spend summary. You can even delete the original SMS once it is recorded in Walnut.

This is also a known scenario with

Xiaomi – Enable all permissions, add Walnut to Autostart via Security App->Permissions->Autostart. Xiaomi has added an extra permission for “Service SMS” in MIUI8 – enable it

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

and other devices which specifically require you to enable the app to run in the background. Once enabled, kill the app from the active apps list and then relaunch it

Which banks, cards and services does Walnut currently support ?

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, 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, Indian Overseas Bank, Karnataka Bank, Karur Vyasa Bank, Lakshmi Vilas Bank, Oriental Bank of Commerce, 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, Union Bank of India, UCO Bank


Credit Cards

American Express, TATA


Businesses and Services

Aircel, Airtel, Airtel Money, 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



Airtel, Dish TV, Sun, Tata Sky, Videocon






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


What if Walnut does not support my bank or other services ?

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 “Biz Messages” section so we can enable support in a later update.

Can I input expenses manually?

To add cash spends manually, tap on the “Cash Expense” button below the chart in the Recent Spends tab. You can assign a category and tags to the transaction so it shows up in your spend summary.

For transactions from existing banks/cards for which you didn’t get an SMS, you can add such spends manually by tapping the “+” button on that account’s home page in the app and add other details as necessary.

Expenses like Rent do not show up in Top Five spends

Only expenses that are detected as paid at merchant establishments are displayed here. Netbanking / Cheque payments towards Rent are not considered.

How can I allocate ATM withdrawal amount to spends?

To account for the amount withdrawn, you can add cash spends manually by tapping on the “Cash Expense” button below the chart in the Recent Spends tab, and assign a category and tags. Cash spends are marked as ‘not an expense’ by default to avoid duplication. ATM withdrawals are marked as expense by default, and will reflect in the bar chart. Cash expenses will be displayed in the pie chart with breakup of category wise spends.

I’m changing my phone. How can I get my Walnut data on the new phone?

If you need to change or reset your phone, no worries – Walnut has your back! On your current phone, ensure Backup is set to ON, and shows as ‘up to date’. The backup is linked to your email id so you should retain it on the new phone.

When you install Walnut on it and select this email id, the app checks for an existing backup profile, and if found, prompts you to restore it so you can continue using the app with your previous data intact.

How can I delete my data and account from the app?

From Settings, first ensure Backup is disabled. Then tap on “Delete Backup” to remove your data from the server. Uninstall the app to delete your account.

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, tap on the Groups tab from the home screen and then on “New Group” to add a new group. Under Group Details, uncheck ‘Shared Group’ to create a Private Group.



Add contact(s) who owe you money along with a name for this private split group and input details of the money owed to you. Once you’re paid, you can mark the transaction as settled. Other group members will not receive any messages or notifications about group activities.

Can I add spends on behalf of others?

Yes. To do so, from the Friends tab, create a new Group and 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, allocate the amount among members of the group and tap on “Done”.

How can I send money to my friends from WalnutPay?

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 Bill Reminders, tap on the ‘Walnut Pay’ icon beside the credit card number to initiate a credit card 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 page and then tapping the WalnutPay icon above, beside the Link icon.

* 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.

Why are my credit and debit card details saved?

Your card details are saved so that payments are quicker and so you don’t have to input all the details each time you wish to make a payment.

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.  

I have added card details and amount, still haven’t got the OTP. What should I do?

Email us on help@getwalnut.com with details of the payment you’re trying to make, along with a screenshot.

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

The credit date in your statement is the date you make the payment, so you can even pay on the due date and avoid late fees. Payment is effected the same day and you should receive a confirmation SMS / email from your bank within 2 business days.

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

I paid my credit card bill, but payment still shows as pending. What should I do?

Payment to the card is completed only when the status message in the app 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 the status indicates the payment is in process, please do NOT attempt another payment for at least another 2-3 hours as the app keeps retrying for that time before finally returning a “Failed” status.

If you’re making the payment on the last day and this happens, please make the card payment using another option to avoid any late fees.

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?

Tap the “Recent Payments” tab 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. However, virtual / prepaid cards like PayZapp, Pockets etc and other cards like Rupay are not yet supported.

* 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. Virtual / wallet cards like PayZapp, Pockets etc and other cards like Rupay are not yet supported. We are adding support for receiving payment via MasterCard debit card soon.

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, select it from Recent Payments page and tap the envelope icon beside “Email Us” to send us a support mail with transaction details so we can check and confirm.

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.