If you choose to use roundups, we require access to your SMS on a read-only basis. We filter the messages based on the source i.e. only non-phone number or non-contact-list messages like the automated ones are read. Those are specifically encrypted and do not have card details or account details.

“E.g. VM-HDFCBK (Automated Sender)
Thank you for using your HDFC Debit Card X6905 for ₹199 at PRASHANT MEDICA NASIK on 24-02-2020. Avl Bal is ₹4321.00. Not you? Visit HDFC.com/fraud”

We capture the date – 24/02/2020 – the value of the transaction – ₹199 – and the merchant ID – PRASHANT MEDICA NASIK – from this message.

Capitalyze® does not ask for access or store any of your online banking login details or any other details.