Masareef مصاريف مصاريف Masareef

Log your InstaPay spending automatically

Masareef reads the payment alert the InstaPay app sends to your phone and logs every transaction in its own InstaPay wallet, with its amount, merchant and time. No typing.

Free · 25 automatic captures a month · No ads · Arabic and English

Masareef: your spending, logged on its own
INSTAPAY

InstaPay: EGP 200.00 sent to SARA. Ref 123456

SARAExpense

EGP-200.00

An example alert from InstaPay: Masareef logs it as an expense, with its amount and payee. An illustration in the bank's own wording; the numbers and names in it are not real.

What gets logged from InstaPay

  • Card payments in shops and online, in pounds or any currency you paid in.
  • Outgoing and incoming transfers, and ATM withdrawals.
  • Every transaction lands in its own category, and one tap changes it.
  • More than one card? Add each card's last 4 digits and every alert goes to that card's wallet.

An alert the app can't read clearly isn't lost: it waits for you to confirm it with one tap.

How to log InstaPay spending automatically

  1. Install Masareef from Google Play or the App Store, and create a free account to back up your records.
  2. On Android: open Masareef and allow "Notification access" once. After that it captures alerts even with the app closed.
  3. On iPhone: from iOS 27 add the ready-made automation in Shortcuts; from iOS 16.4 to 26 set up one automation for InstaPay texts (sender INSTAPAY) once.
  4. Make sure alerts from the InstaPay app are switched on on your phone: Masareef reads the alert you already receive and never contacts the bank.
  5. On the first transaction InstaPay sends an alert like: InstaPay: EGP 200.00 sent to SARA. Ref 123456 and Masareef logs it as an expense of 200.00 EGP at SARA. An illustration in the bank's wording; the numbers and names are not real.
  6. Wrong category? Open the transaction and change it, and turn on "Remember this merchant" so this merchant goes there from now on. An unclear alert waits in "To review" for one tap to confirm.

How it works with InstaPay

On Android

Let Masareef read notifications once. From then on every payment alert from the InstaPay app is logged on its own, even with the app closed.

On iPhone and iPad

On iOS 27 or later you add one ready-made automation in the Shortcuts app, and Masareef receives alerts from the InstaPay Egypt app, InstaPay text messages and Apple Pay alerts.

From iOS 16.4 to 26, SMS from InstaPay reach Masareef through an automation you set up once, and from iOS 17 a second one adds Apple Pay. The bank app's own alerts can't be read before iOS 27, so share the message with Masareef or paste it.

How Masareef recognises InstaPay

Name in Arabic
InstaPay (انستاباي)
Android app whose alert is read
com.egyptianbanks.instapay
iPhone app
InstaPay Egypt
SMS sender name
INSTAPAY IPN

The alert never leaves your phone

The InstaPay alert is read on your device and its text is never sent to any server. Masareef never asks for your wallet password and never links your bank account.

  • No banking password
  • No link to your bank account
  • The alert is read on your phone only

Questions about InstaPay

Is Masareef part of InstaPay?

No. Masareef is an independent app, not affiliated with or endorsed by InstaPay. It reads the alert your phone already receives.

Do I have to enter my bank details?

No. No password, no account number, no link to the bank. The app only needs a free Masareef account, to back up your records.

Is the app free?

Yes, and the free plan is not a trial: everything you enter, your wallets and budgets, and 25 automatic captures a month. Pro raises that limit and adds features such as wallets in other currencies and a shared family record.

Does Masareef work with InstaPay on Android?

Yes. Once you allow notification access it reads the InstaPay app's alert (com.egyptianbanks.instapay) and logs every transaction on its own, even with the app closed.

Does the InstaPay alert or my data leave my phone?

The alert text is never sent to any server; it is read on your device. Masareef never asks for a password and never links your bank account. The free Masareef account only backs up your records.

Which currencies does it log for InstaPay?

It logs each transaction in its amount, in pounds or any currency you paid in. Wallets in other currencies are a Pro feature.

Does Masareef read SMS from InstaPay?

On iPhone, yes: texts from the sender INSTAPAY reach Masareef through an automation you set up once in Shortcuts, from iOS 16.4. On Android it reads the InstaPay app's notification.

Does it work with InstaPay on iPhone?

Yes. iPhone needs iOS 16.4 or later, and you set it up once in the Shortcuts app. On iOS 27 it also reads alerts from the InstaPay Egypt app.

What about my other banks and wallets?

Masareef reads alerts from 1203 banks and wallets around the world, and each bank or wallet gets its own wallet in the app.

Other banks and wallets in Egypt

Outside Egypt

Saudi Arabia

the UAE

Kuwait

Qatar

Bahrain

Oman

Jordan

Lebanon

Iraq

Palestine

Morocco

Algeria

Tunisia

Libya

Sudan

Yemen

Start logging InstaPay spending automatically

Masareef is an independent app, not affiliated with or endorsed by any bank or wallet named here. It never asks for your banking password. Masareef download page