Finku is a personal finance app that helps you record transactions from all your financial accounts, automatically or manually. Finku has passed the OJK Regulatory Sandbox under letter no. S-217/IK.01/2024, is supervised by Kominfo, and is registered with the Indonesian FinTech Association — so we can guarantee the confidentiality of your data.
Finku has passed the OJK Regulatory Sandbox under letter no. S-217/IK.01/2024. Finku is also registered with Kominfo and the Indonesian FinTech Association. So don't worry — your data and privacy are safe with Finku.
Finku has implemented ESG practices according to the standards of Golden Gate Ventures (GGV). Review the following documents for more details:
Grievance Redress Policy by GGVFor any questions or concerns regarding our Environmental & Social Policy and/or the portfolio investments we fund, please contact us via email at esg@goldengate.vc or by sending a letter to: Golden Gate Ventures, 73b Duxton Road, Singapore 089532.We will ensure a timely response and take appropriate action after carefully assessing your question or concern. If the question or concern relates to a portfolio investment we fund, the interested or affected party is encouraged to first discuss the matter directly with the relevant portfolio company.If the matter is not adequately resolved at the portfolio company level, the interested party may submit a written question or complaint to us, including the following information:
The sender's name and contact information
The name of the company that is the subject of the concern
A description of the concern and supporting documents (if any)
The date of the incident or action that gave rise to the complaint (if relevant)
The desired solution or action (if relevant)
Any other information the sender deems necessary
There is no fee to submit a question or concern through this process. Interested or affected parties can raise questions or concerns without fear of retaliation. We take confidentiality very seriously — every submission is handled with great care to protect your privacy. You may request that your identity and personal information remain confidential, and we will not share your details with portfolio companies or other parties without your explicit consent.
AIIB PPMThe Project-affected People's Mechanism (PPM) of the Asian Infrastructure Investment Bank (AIIB) applies to the portfolio companies of Golden Gate Ventures' Fund 4. Stakeholders (including but not limited to employees, customers, investors, vendors, and others) of our portfolio companies are encouraged to raise concerns or report alleged violations by contacting our team (through the process described above) or by submitting a report directly to AIIB via the bank's submission page below:
Currently, the integrated mobile banking services are myBCA, Maybank, CIMB Niaga, Danamon, and OCBC. If your preferred mobile banking isn't on the list, you can connect via Internet Banking — available banks are BCA, Mandiri, CIMB Niaga, Permata, OCBC, Danamon, BNI, and BRI. You can also add a financial account manually!
Finku guarantees the security of all user data and privacy through "AES-256" encryption — equivalent to leading national and international banks and financial apps. Finku is also supervised by Kominfo and is part of the Indonesian FinTech Association.
To add a financial account:
Open the "Profile & Help" menu at the top right of the home screen.
Tap "All" on the Financial Accounts tab.
Tap "Add Account."
Choose which Bank/Investment/E-wallet account you want to add.
Enter the account's current balance, then tap "Add Account."
No worries — you can add as many bank or e-wallet accounts as you have to Finku, completely FREE!
To remove a financial account you've already added:
Open the "Profile & Help" menu at the top right of the home screen.
Tap "All" on the Financial Accounts tab.
Select the account you want to remove.
Tap the trash icon at the top right.
Confirm the removal by swiping the icon to the right.
The financial account has been removed.
To reset your password or recover a forgotten password, follow these steps:
Open your profile at the top right of the screen and choose to log out.
On the "Login" page, tap "Forgot password."
If "Forgot password" doesn't work, send a message to customer.experience@finku.id with the subject '[Registered email]_Password Change', and for security reasons include your full name, registered phone number, registered email address, and the reason you want to change your password in the body of the email.
Currently, changing your registered phone number and email is not yet available in Finku. If you run into any account issues, please contact Finku Customer Experience for further assistance.
To change your Finku account PIN, follow these steps:
Tap "Forgot PIN" below the "Enter security PIN" field.
A PIN reset link will be sent automatically to your email.
If "Forgot PIN" doesn't work, send an email to customer.experience@finku.id from your registered Finku email, with the subject '[Registered email]_PIN Change Request', including your full name, registered phone number/email, and the reason you want to change your PIN.
Don't worry — your old PIN can't be used by the Finku team or anyone else to log in. After completing the steps above, wait for a reply from the Finku team to help reset your account PIN!
To reset your Finku account, follow these steps:
Open the "Profile & Help" menu at the top right of the home screen.
Scroll down and tap the "Reset Account" button.
Confirm the reset by swiping the icon to the right.
All transaction, budget, and financial account data will be deleted and cannot be undone!
Account deletion can currently only be done by the Finku team. Please contact Finku Customer Experience via:
Finku provides a range of features to help you manage your finances more easily, including:
AI FinGPT: An AI-based assistant that helps answer your financial questions and gives insights based on your financial situation.
Financial Reports: A financial summary that clearly shows your income, expenses, and overall financial condition.
Budget: The Budget feature helps you stay disciplined with your spending so your savings goals are easier to reach. You can also use AI FinGPT to create a budget.
Receipt/E-Statement Upload: Scan shopping receipts or upload & scan account mutations as screenshots or e-statement files to keep your transaction records neat and accurate.
Financial Consultant: A consultation feature for getting financial guidance and advice tailored to your needs and financial goals.
Financial Targets: Helps you set and track financial goals, such as saving up or preparing funds for something specific.
Bill Tracking: Record and manage recurring bills so nothing slips through the cracks and your finances stay under control.
Cash Flow Score: An assessment of your cash flow condition based on your income and expenses, to help you understand your overall financial health.
Quick Input (AI transaction logging): Quickly log income and expenses with AI assistance. Just type a short description of the transaction and the system will automatically categorize and record it.
Weekly AI Financial Check: Finku's AI feature analyzes a minimum of 5 transactions over the last 7 days to give you a personal, easy-to-understand financial summary and insights, refreshed every Monday.
How to record income and expenses manually:
Tap the yellow (+) icon at the bottom center.
Choose the transaction type at the top left — "Expense" or "Income."
Enter the amount, then choose which financial account the transaction is from.
Choose a category for the transaction. Once done, tap "Done" or tap "Add More" to log another transaction.
How to record a transfer manually:
Tap the yellow (+) icon at the bottom center.
Change the transaction type from "Expense" to "Transfer" at the top left, then enter the amount.
Choose the source account and the destination account, then tap done.
How to record a bill manually:
Tap the yellow (+) icon at the bottom center.
Change the transaction type from "Expense" to "Bill."
Choose the account used to pay the bill (e.g. a bank account or e-wallet).
Fill in the "Recipient or vendor" field. Example: PLN, Netflix, Shopee, or another vendor name.
Choose the appropriate transaction type under "Category."
Set the bill's "Due date."
Choose whether the bill repeats, e.g. every month.
Set when the bill ends, e.g. after 6 payments.
Choose whether the bill is automatically marked as paid or needs manual confirmation.
Tap "Done" to save the bill.
Here's how to use AI FinGPT:
Tap the "AI FinGPT" icon in the home menu.
You can pick one of the suggested questions from AI FinGPT, or type your own question in the chat about transactions, financial checks and simulations, or budgeting.
How to record income and expenses using AI:
Tap the "Log transaction with AI" button at the bottom of the home page.
Type into the chat box following the example format, e.g. "Today I bought coffee at Tuku for 25k using BCA" and tap the send icon.
The transaction will be added to your transaction list automatically.
If you're a new user, follow these steps:
Tap "+ Create Budget" on the Finku home page. Existing users can simply tap Budget in the Finku menu.
Enter your "Income" & "Budget" for the month. If you don't have income yet, you can skip this!
Split your total Budget across categories, e.g. Food & Drinks, Transportation, and others, then tap "Add Budget."
How to add a budget category:
Open the "Budget" tab on the home page, then tap "+ Add" in the budget category section.
Choose a budget category.
Enter the total budget and choose the budget period (monthly/weekly).
Tap "Add Budget."
How to edit a budget:
Open the "Budget" tab on the home page.
Tap "Edit" at the top right.
Edit or change the "Income" and "Budget" fields.
To delete a budget category:
Open the "Budget" tab on the home page.
Tap the budget category you want to delete.
Tap "Edit" at the top right corner.
Tap "Delete."
Net Saldo is the combined balance you have across all your financial accounts.
For example, if you connect 3 bank accounts, 2 e-wallets, and 1 investment account, the total amount you hold across all of them is shown as your Net Saldo.
Finku cannot hold or store your money, so you cannot withdraw your Net Saldo through the app.
Income is the total amount of money you receive across all of your financial accounts.
Expenses are the total amount you spend from all of your financial accounts, including bills you've already paid.
Estimated Savings is calculated as: Total Income – Total Expenses – Remaining Budget.
Remaining Budget is calculated as: Total Budget – Budget Used.
Total Assets is calculated as: Total Savings + Total Investments – Total Debt.
Total Savings is all of the liquid assets you hold across all of your financial accounts.
Total Investments is all of the investment assets (stocks, mutual funds, etc.) you hold across all of your financial accounts.
Total Debt is all of your outstanding cash debts that you haven't paid off yet, such as installments or money owed to friends.
Total Debt is calculated as: Total Debt + total upcoming subscription payments.
Finku has a safe, official service that can help you:
Negotiate with creditors to ease your installment burden, or
Combine all your installments into a single monthly payment with a simple process.
The whole process starts FREE, so you can check your situation first without any commitment.
You don't need to enter a voucher code! Right now, you can use all of Finku's features for FREE and UNLIMITED. You can simply complete the rest of your details and check the agreement box 😊🙏
To discuss a collaboration/partnership with Finku, contact our team via: