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Spending Insights helps young people see where their money goes, understand their everyday spending and build better financial awareness over time. See it. Understand it. Learn from it.
Bring everyday transactions together and organise them into an easy-to-understand view. See how much you're spending and where your money is going.
Transactions can be organised into meaningful categories so you can see patterns in your spending. Rather than looking at individual payments one by one, understand the bigger picture.
Ridge height shows how often a category is used across the month. Food is frequent and steady. Subscriptions produce two sharp renewal spikes and stay flat between them — which is exactly what a recurring payment looks like. Travel is quiet for most of the month and then concentrated into one period.
Over time, Spending Insights can help you recognise patterns in your financial activity — where you pay most often, how things change, which payments recur and when your spending moves.
Get a simple view of your financial activity across the month. See your money coming in, money going out and how your spending compares with previous periods.
Spending Insights can work alongside Spending Limits, allowing young people to understand their activity while appropriate controls help them manage it. For Under 18 accounts, parents and guardians can have appropriate visibility and controls depending on the account structure and permissions.
Spending Insights works alongside Learning Alpha to help young people connect real financial activity with financial education. The objective isn't to tell young people what they should buy. It is to help them understand their own financial behaviour.
Telling the difference between what has to be paid and what was chosen.
Payments that arrive every month whether they are thought about or not.
What is left of the month once everything has been accounted for.
Seeing the pattern first, then choosing differently next month.
For Student Accounts, Spending Insights can provide a broader view of the costs associated with higher education — and how those costs break down at each level.
For eligible Under 18 accounts, parents and guardians can have appropriate visibility into spending activity. This creates an opportunity to discuss financial decisions, saving and money management while allowing the young person to develop their own understanding.
An aggregate view — the total, the number of categories and whether anything looks unusual. Enough to know things are well without reviewing every individual purchase.
Full item-level detail of their own activity, so they learn from decisions they make themselves. Visibility sits at the level each person needs.
The way a young person manages money changes over time. A simple spending overview may be appropriate for a younger user, while a university student may benefit from more detailed categories, trends and financial analysis. TEOLOGU can evolve the experience alongside the user.
Total spent, a few large categories and whether the month is going as expected. Nothing to interpret.
More categories, spending limits alongside the activity, and the first patterns worth noticing.
Full category detail, recurring payments identified, month-on-month trends and comparisons.
Spending Insights is part of the TEOLOGU Youth product vision and may be introduced progressively.
Spending Insights is an informational feature. It categorises and presents activity that has already happened in the account and does not provide financial, investment, tax or legal advice. Category assignment may be automated and is not always exact.
Availability of categories, spending patterns, limits, family visibility and the level of detail shown may vary by country, the account holder's age, applicable requirements and supported providers. The visibility available to a parent or guardian depends on the account type, the account holder's age and applicable law.
Learning Alpha content is general financial education. Examples and figures shown on this page are illustrative. Where required, services may be provided through appropriately authorised entities or partners.
See it. Understand it. Learn from it.