How Smoothy works

We use NZ’s official open banking system to get ‘bank feeds’ from your banks and re-organise them into a super simple budgeting and expense management system. It’s free to sign up, no credit card required, and we will never sell or share your data with anyone else without your explicit permission.

Open Banking launched in NZ in December 2025 as part of the new Customer Data Rights legislation — it’s your data, so you get to use it to make your life easier. ANZ, Kiwibank, Westpac, ASB and BNZ are all now live with their open banking connections — it’s safe and secure and used by Sharesies, Air New Zealand, Xero, MYOB. Learn more

The Smoothy money management system is based on tried and tested techniques like envelope budgeting and forecasting that have always been rather complicated and time consuming for the average human. But with the power of open banking for real-time bank feeds, and our NZ-focused expense prediction engine, we do all the maths so you don’t even have to know how.

Smoothy helps you see

• All your recurring subscriptions and expenses
• What’s coming up before you next get paid
• What you can safely spend
• How much to put aside for one-off future expenses

How to get set up

It takes less than 5 minutes the first time round to automatically categorise your transactions and then BOOM!

1. Connect your bank accounts

Open banking is safe and secure – find out how and why

2. Review your recurring expenses

Subscriptions, phone bills, utilities and more. No transaction categorisation required – our expense prediction engine does the heavy lifting, but you can tweak anything that’s not quite right.

3. Tell Smoothy when you get paid

An optional step – this helps us sync your expenses with your pay cycle – because that shizzle is hard!

4. Clarity over your finances!

See what’s coming up, how much you need to put aside to cover it, and what you can safely spend. Get on with your life, knowing your future self is sorted.

How about putting your whole life on a subscription?

Our optional ‘Slices’ feature puts your whole life on subscription by predicting your expenses up to 12 months in advance and calculating a regular, even amount to put aside each time you get paid.

This helps you take care of your future self by ensuring your known expenses are covered. Most of it is automated so there’s hardly any set up – but you can also add manual expenses that Smoothy doesn’t know is coming and we’ll help you save for those too.

When money is tight, if you have debts and there’s catching up to do, Smoothy can help you make a plan to get on top of things and start to get ahead.