Questions about the app? Contact info@eb-net.org with your app and system version. Do not send bank passwords, PINs or authentication codes.
Can you see my bank data?
No Payday Loom backend receives your bank data. Calculations and PDF reading run on your device. Budget records are stored locally and sync using encrypted fields in your private iCloud database, which we cannot view. Apple operates iCloud under your account settings. If you choose a bank connection, your device communicates directly with that bank.
Which banks can I connect?
The app lists German banks offering FinTS access. Connections require compatible FinTS 3.0 PIN/TAN access and your bank’s required TAN or banking-app approval. Support varies by bank, account and authentication method. Enable financial-software access with your bank when required. Payday Loom retrieves balances and transactions; it does not initiate transfers or payments.
Can I use Payday Loom outside Germany?
Yes. You can use manual records without a bank connection. Import supported German- or English-language text PDF statements, review the extracted rows and choose what to keep. Scans, password-protected PDFs and unfamiliar layouts may require manual entry. The app supports EUR, GBP, USD and CHF, without currency conversion. Its interface is English.
Does importing a statement change my bank balance?
Imported history is added to your spending records without deducting it from your current balance again. Review detected dates, amounts, directions, categories and duplicates before importing. Original PDFs are processed on the device and are not uploaded or retained by Payday Loom.
How does safe-to-spend work?
The app checks available account balances, bills, savings reservations and your cash buffer through the next payday. Expected income is excluded until received. The lowest projected balance and each payment account’s ability to cover its own obligations matter. Keep balances and schedules current; estimates are not a guarantee.
How do categories and recurring bills work?
Open Spending for categories, merchant breakdowns and monthly limits. Correct a transaction’s category and optionally remember a merchant rule. Review detected monthly payments or use Add to recurring bills in transaction details. Confirm the amount, date and account; adding a second matching schedule may reserve money twice.
What does Payday Rehearsal change?
Only the simulation. Delay an upcoming paycheck by up to 30 days, compare account-level gaps and explore a dated funding checklist. Actual balances, bills and transactions remain unchanged. Purchase scenarios also leave real records unchanged.
How do I switch devices?
Use the same Apple Account and update both devices. Categories, limits, schedules, other budget records and app settings sync automatically through private iCloud; bank connections and saved logins sync through iCloud Keychain. The app checks when opened, while active and after iCloud change notifications; offline changes retry when connected. Apple controls background notification delivery. Check Settings for sync status, or tap Sync with iCloud now (or pull down on Home or Budget) to sync manually. The same bank refresh on two devices merges automatically; only conflicting manual edits need review; export before replacing a budget copy. Do not delete an app with unsynced changes.
What if Apple Intelligence is unavailable?
The assistant and optional AI category suggestions require compatible hardware, enabled Apple Intelligence and an available on-device model. Manual budgeting, merchant rules, imports, forecasts and calculation breakdowns work without AI. No external AI service is used.
How do I export or delete data?
Use Settings to prepare a JSON export or delete budget data. Deletion reaches private iCloud and other devices after a successful sync. Offline or conflicting changes remain pending. Disconnecting a bank removes its saved PIN from all your devices. Exported files, copies you share and device backups remain under your control.