Track your spending. Understand your habits

One App. All Your Banks. Total Control.

Rute brings all your bank accounts, transactions, and financial insights into one intelligent dashboard so you always know where your money goes.

Rute dashboard on a phone

Add New Account

Connect your bank securely to Rute to see all your balances and transactions in one place.

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Proceed

Your credentials are encrypted and never stored on Rute. We use bank-grade security.

Income

Expenses

Income Sources

Tap a slice for details

₦1,000,000

Breakdown

Inward Transfers

60% of total income

Total:

₦600,000.00

Salary

35% of total income

Total:

₦350,000.00

Refunds

5% of total income

Total:

₦50,000.00

The challenge

Your money is everywhere.
Your clarity isn't.

Most people use multiple bank accounts, wallets, and payment apps.
But none of them talk to each other.

Banking access has improved.
Financial clarity hasn't.

  • No clear view of your total balance

  • Manual budgeting and expense tracking

  • Hidden bank charges and deductions

  • Transactions scattered across different apps

  • No real credit profile

  • No clear view of your total balance

  • Manual budgeting and expense tracking

  • Hidden bank charges and deductions

  • Transactions scattered across different apps

  • No real credit profile

The solution

Your Financial Command Center

  • Pay bills without switching apps

  • See all your balances in one place

  • See all your balances in one place

  • Pay bills without switching apps

  • See all your balances in one place

  • See all your balances in one place

  • Understand your spending habits

  • Detect hidden bank fees

  • Understand your spending habits

  • Detect hidden bank fees

Rute insights screen

RUTE connects all your bank accounts into one simple, powerful app. It gives you a unified view of your money, real-time insights, and tools to act instantly.

With Rute,
you can:

See all your balances in one place

Linked accounts

Understand your spending habits

Spending chart

Housing

Shopping

Family

Transfer Out

Track every inflow and outflow

Inflows and outflows

Pay bills and send money without switching apps

Detect hidden bank fees

  • SMS Notification Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • Stamp Duty

    -₦50.00

    3108640264UBA

  • Card Maintenance Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • SMS Notification Fee

    -₦50.00

    3108640264UBA

  • SMS Notification Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • Stamp Duty

    -₦50.00

    3108640264UBA

  • Card Maintenance Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • SMS Notification Fee

    -₦50.00

    3108640264UBA

  • SMS Notification Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • Stamp Duty

    -₦50.00

    3108640264UBA

  • Card Maintenance Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • SMS Notification Fee

    -₦50.00

    3108640264UBA

  • SMS Notification Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • Stamp Duty

    -₦50.00

    3108640264UBA

  • Card Maintenance Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • SMS Notification Fee

    -₦50.00

    3108640264UBA

  • SMS Notification Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • Stamp Duty

    -₦50.00

    3108640264UBA

  • Card Maintenance Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • SMS Notification Fee

    -₦50.00

    3108640264UBA

  • SMS Notification Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • Stamp Duty

    -₦50.00

    3108640264UBA

  • Card Maintenance Fee

    -₦50.00

    3108640264First Bank of Nigeria

  • SMS Notification Fee

    -₦50.00

    3108640264UBA
Fees detected: ₦1,000.00

Core Features

Everything you need to control your money

Bank Aggregation

Connect multiple Nigerian bank accounts and manage them from one dashboard.

Bank Aggregation preview

Unified Transaction Feed

View every transaction across all your banks in one simple timeline.

Unified Transaction Feed preview

Fee Transparency

Rute highlights SMS charges, VAT, and hidden deductions so nothing goes unnoticed.

Fee Transparency preview

Behavioral Credit Profile

Build a credit score based on your real financial activity.

Behavioral Credit Profile preview

AI Financial Assistant

Take action through simple commands-send money, buy airtime, pay bills, or ask about your spending without navigating complex menus.

AI Financial Assistant preview

How It Works

Get started in minutes

1.

Sign up

Create your account with your phone number

Welcome to Rute sign-up screen

2.

Connect your banks

Securely link your accounts

Connect banks screen

3.

View your dashboard

See your complete financial picture instantly

Dashboard screen

4.

Take action

Send money, pay bills, and manage your finances from one place

Payments screen

Natural banking

Built for the Way You Actually Bank

Young professionals

Freelancers and creators

Small business owners

Digital-first users

Friends working together at a cafe

If you've ever opened three apps just to check your balance, Rute is for you

Bank-grade security. Always.

Your financial data is protected with:

End-to-end encryption

Multi-factor authentication

Biometric login

NDPR-compliant infrastructure

Secure bank integrations

Glass shield with a padlock

Your credentials are never shared.
Your money always stays under your control.

Take control of your financial flow.

Stop switching between bank apps.
Start managing your money from one place.

Download the app
Join the Waitlist

Financial Health Score

Your Financial Health Score summarizes how stable and sustainable your finances are, based on key metrics like revenue, expenses, profit margin, and cash flow balance.

Score Range:

0–49: At Risk – Low margins or high expenses

50–74: Unstable Flow – Needs improvement

75–89: Healthy Flow – Good balance of income and costs

90–100: Optimal Flow – Excellent financial stability

Note: The score updates automatically based on your latest data.

Learn more
Rute dashboard held in a hand