The personal finance app made for you. Connect your banks and see your cards, spending and budgets up to date — without switching apps.
Conecta directo con tu banco
Santander
Banco de Chile
Banco Falabella
BancoEstado
Scotiabank
Itaú
Bci
Banco BICEAll your cards centralized
Con tu banco conectado, todas tus tarjetas quedan en un solo lugar — débito, crédito, ahorro. Cada movimiento entra ya categorizado, sin ingresar nada manualmente.
Movimientos
Ver todos
-$8.940DeliveryUBER EATS *PEDIDO
+$12.990ReembolsoDEVOLUCION MERCADO LIBRE
-$6.890ComidaCOMPRA MCDONALDS
Saldo bancario
Saldo
$845.200
Saldo
$320.500
lifeSaldo
$1.245.000
•••• •••• •••• 2210
Text Not Pato on WhatsApp like a friend: ask for balances, summaries, or advice, and let it call you out before you mess up. No filters, no lectures — just a friend who happens to know money.
Not Pato
online
Everything you need to stop ignoring your money.
Every charge, sorted on its own
Linked to your bank and always up to date. Every transaction lands already categorized, with zero effort on your part.
Movimientos
Ver todosCOMPRA PAYU *UBER EATS
COMPRA RED MOVILIDAD SAN
COMPRA JUMBO MAIPU
COMPRA MCDONALDS
COMPRA STARBUCKS
What comes in, what goes out
Income, spending and balance for the month — always matching your bank. Your whole flow at a glance.
débito $610.000 · crédito $235.000
✓ Cuadra con tu banco
Set a cap on every expense
Set a budget per category and Not Pato warns you the moment you’re near the limit. So you reach month-end with no surprises.
Hogar
$661k disponible
Comida
$82k disponible
No charge slips by
Make any payment recurring and Not Pato pings you before each due date — and stops you if you’re going overboard.
Pre-cobro
Spotify se cobra en 3 días — $5.490.
-$5.490Spotify
vence en 3 días
-$10.500Netflix
vence en 8 días
- 🏠-$520.000
Arriendo
vence en 12 días
You spend more on apps you don’t even use. This one at least roasts you for your own good.
Both plans do it all.
- Link your bank · 2 connections
- AI finance assistant on WhatsApp
- Apple Pay to capture credit cards or other banks
- Smart AI categorization that learns from you
- Budgets and savings goals
- Recurring expenses with due-date alerts
- Face ID · read-only · E2E encrypted
Up to 2 connected banks
No ads, no fine print. Your data stays with you.
Cancel anytime from the app.
Yes. The connection runs through a Chilean-regulated open banking fintech, in read-only mode: Not Pato can see your transactions and balances but can't move a single peso. Your bank credentials never reach us — they stay between you and your bank.
Camila R.
Designer
It told me 'you spent more on coffee than on your health plan' and it changed my life.
Matías P.
Engineer
It’s like having an accountant friend who doesn’t charge you and roasts you for free. 3 months in and I finally know where my money goes.
Valentina S.
Journalist
I sent a photo of my grocery receipt and it replied '4 packs of cookies is self-care?'. I cried but it was right.
Sebastián L.
Student
First time I saved money without suffering. Not Pato motivated me with memes and roasts me when I hit my limit. 10/10.
Francisca T.
Lawyer
Linked my Banco Estado and BCI in 30 seconds. Best part: no more end-of-month surprises with subscriptions.
Diego M.
Teacher
Honestly didn’t think I’d put up with an app roasting me, but Not Pato does it with care and it actually works.
Catalina P.
Doctor
I work long shifts and never had time to track spending. Now I just text Not Pato on WhatsApp and it answers in 10 seconds.
Ignacio R.
Entrepreneur
I have 4 accounts between work and personal. Linked them all and I finally see the real cash flow without spreadsheets.
Daniela V.
Marketer
I had like 8 subscriptions I didn't even remember. Not Pato listed them with due dates, I cut 4 right away. Saved $40 a month.
Camila R.
Designer
It told me 'you spent more on coffee than on your health plan' and it changed my life.
Matías P.
Engineer
It’s like having an accountant friend who doesn’t charge you and roasts you for free. 3 months in and I finally know where my money goes.
Valentina S.
Journalist
I sent a photo of my grocery receipt and it replied '4 packs of cookies is self-care?'. I cried but it was right.
Sebastián L.
Student
First time I saved money without suffering. Not Pato motivated me with memes and roasts me when I hit my limit. 10/10.
Francisca T.
Lawyer
Linked my Banco Estado and BCI in 30 seconds. Best part: no more end-of-month surprises with subscriptions.
Diego M.
Teacher
Honestly didn’t think I’d put up with an app roasting me, but Not Pato does it with care and it actually works.
Catalina P.
Doctor
I work long shifts and never had time to track spending. Now I just text Not Pato on WhatsApp and it answers in 10 seconds.
Ignacio R.
Entrepreneur
I have 4 accounts between work and personal. Linked them all and I finally see the real cash flow without spreadsheets.
Daniela V.
Marketer
I had like 8 subscriptions I didn't even remember. Not Pato listed them with due dates, I cut 4 right away. Saved $40 a month.
Daniela V.
Marketer
I had like 8 subscriptions I didn't even remember. Not Pato listed them with due dates, I cut 4 right away. Saved $40 a month.
Ignacio R.
Entrepreneur
I have 4 accounts between work and personal. Linked them all and I finally see the real cash flow without spreadsheets.
Catalina P.
Doctor
I work long shifts and never had time to track spending. Now I just text Not Pato on WhatsApp and it answers in 10 seconds.
Diego M.
Teacher
Honestly didn’t think I’d put up with an app roasting me, but Not Pato does it with care and it actually works.
Francisca T.
Lawyer
Linked my Banco Estado and BCI in 30 seconds. Best part: no more end-of-month surprises with subscriptions.
Sebastián L.
Student
First time I saved money without suffering. Not Pato motivated me with memes and roasts me when I hit my limit. 10/10.
Valentina S.
Journalist
I sent a photo of my grocery receipt and it replied '4 packs of cookies is self-care?'. I cried but it was right.
Matías P.
Engineer
It’s like having an accountant friend who doesn’t charge you and roasts you for free. 3 months in and I finally know where my money goes.
Camila R.
Designer
It told me 'you spent more on coffee than on your health plan' and it changed my life.
Daniela V.
Marketer
I had like 8 subscriptions I didn't even remember. Not Pato listed them with due dates, I cut 4 right away. Saved $40 a month.
Ignacio R.
Entrepreneur
I have 4 accounts between work and personal. Linked them all and I finally see the real cash flow without spreadsheets.
Catalina P.
Doctor
I work long shifts and never had time to track spending. Now I just text Not Pato on WhatsApp and it answers in 10 seconds.
Diego M.
Teacher
Honestly didn’t think I’d put up with an app roasting me, but Not Pato does it with care and it actually works.
Francisca T.
Lawyer
Linked my Banco Estado and BCI in 30 seconds. Best part: no more end-of-month surprises with subscriptions.
Sebastián L.
Student
First time I saved money without suffering. Not Pato motivated me with memes and roasts me when I hit my limit. 10/10.
Valentina S.
Journalist
I sent a photo of my grocery receipt and it replied '4 packs of cookies is self-care?'. I cried but it was right.
Matías P.
Engineer
It’s like having an accountant friend who doesn’t charge you and roasts you for free. 3 months in and I finally know where my money goes.
Camila R.
Designer
It told me 'you spent more on coffee than on your health plan' and it changed my life.
Not PatoStill don't know how much you spent this month?
Come on. Download Not Pato and let it look after your money.