Guide
A mobile money budget app that logs MoMo, M-Pesa, and OPay alerts
Iron Wealth tracks each mobile money wallet as its own account, in its real currency, next to your banks and cash. On Android, payment alerts from the wallets and banks you choose become transactions automatically. On iOS 27 and later, a Shortcuts automation does the same. On older iPhones you log the wallet yourself. It never signs in to MTN, Telecel, Safaricom, OPay, or your bank, and it never asks for your MoMo PIN.
Last reviewed October 20, 2026 by Francis Eshun, Founder of Iron Wealth. He built the on-device tracker these pages describe. Iron Labs.
Which wallets and banks can it log?
Ghana: MTN MoMo, Telecel Cash, AT Money, G-Money, Zeepay, and Chipper Cash, plus GCB, Ecobank, Stanbic, Absa, Fidelity, Zenith, and CalBank alerts. Nigeria: OPay, PalmPay, Moniepoint, Paga, MoMo PSB, SmartCash, and Chipper Cash, plus GTBank, Access, Zenith, UBA, First Bank, and Kuda. Kenya: M-Pesa, Airtel Money, T-Kash, and Chipper Cash, plus Equity, KCB, Co-operative Bank, NCBA, Absa, and Stanbic. Any other wallet still works as an account you update yourself.
How does alert capture work on Android?
You allow notification access once and choose which wallet and bank apps Iron Wealth may read, including the SMS a wallet sends, such as MTN's MobileMoney message. When a payment alert arrives, Iron Wealth reads the amount, the currency, whether money went in or out, the payee, and the fee if the alert states one, then adds a transaction to the matching account. Balance-only and promotional messages are skipped.
What about iPhone?
On iOS 27 and later, you create a Shortcuts automation for the wallet or bank alert, and Iron Wealth logs the payment the same way. On earlier iOS versions, Apple does not let an app read another app's alerts. You log the wallet by typing, scanning a receipt, speaking, or importing a bank CSV. The account, budgets, and net worth work the same.
Is my MoMo account connected?
No. Iron Wealth does not log in to MTN MoMo, M-Pesa, OPay, or any bank, and there is no operator API behind it. It never asks for your PIN and cannot move money. It reads the alerts your phone already shows, from the apps you picked. It is not an official MTN, Safaricom, or OPay product.
What is read, and where does it go?
Only alerts from the apps you chose are read. Other notifications are not read, stored, or sent. Common GHS, NGN, and KES payment alerts are read on the phone. If an alert's wording is unfamiliar, its text may be sent to the Iron Wealth parsing service to find the amount. The transaction is then saved in the ledger on your device.
What does a worked month look like?
An MTN MoMo wallet starts the month at 1,800 GHS and food is budgeted at 1,200 GHS. A MoMo alert reads: payment of GHS 20.00 to Kofi Mensah, fee GHS 0.20. That becomes a 20 GHS expense with a 0.20 GHS fee. By day 12 you have 700 GHS of food logged, about 58% of the category with about 40% of the month gone. In Nairobi, an M-Pesa wallet starts at 24,000 KES and 9,000 KES of a 18,000 KES food budget is used by day 12. In Lagos, an OPay wallet at 80,000 NGN reaches 20,000 NGN of a 40,000 NGN food budget. The category can look fine while the wallet is the number that fell.
How do fees and wallet-to-bank moves show up?
Fees stay visible. A 0.20 GHS fee on each send adds up across a month, and it lowers the wallet, not only the category. Moving 500 GHS from MoMo to your bank is one transfer between two of your accounts. If both apps send an alert, record it as that one transfer so the bank side is not counted as income.
Questions
- Does Iron Wealth connect to MTN MoMo?
- It reads MTN MoMo payment alerts on your phone if you allow it. It does not log in to MTN, use an MTN API, or ask for your MoMo PIN.
- Does it need my MoMo PIN?
- No. Iron Wealth never asks for a PIN and cannot send or withdraw money.
- Can it log M-Pesa?
- Yes. On Android it reads M-Pesa alerts once you choose the M-Pesa or MySafaricom app. On iOS 27 and later, use the Shortcuts automation.
- Can it log OPay and a GTBank alert together?
- Yes. Choose both apps. Each alert goes to the matching account, in naira, inside the same net worth.
- What happens on an iPhone that is not on iOS 27?
- Automatic alert logging needs iOS 27. On earlier versions you add the wallet and log payments by typing, scanning, speaking, or importing a CSV.
- Is alert capture free?
- Free includes 2 automatic imports a day. Extra alerts wait and are logged the next day. Pro removes the daily limit. Budgets, net worth, and 3 accounts are free.
Add the wallets you already use, pick which alerts to read, and budget in the same app that shows your net worth. Free on iOS and Android.
