Is Oslo free?
Yes, for your personal finances: logging by voice or by typing, your goals, your streak, your debts with their reminders, who owes you and your summaries are free forever. You pay for the AI (reading receipts and screenshots from other banks, the chat, AI summaries and Oslo's voice) and for sharing: couple and family come with their own plan, and business with its add-on or with Pro. You pay in your country's currency.
Does it work for organizing money as a couple or as a family?
Yes, that's what it's made for. As a couple, each of you chooses what to share and Oslo keeps track of who paid what. A family space fits up to 6 people: kids have their allowance and their challenges, and parental controls are always visible. You need the Couple or Family plan: whoever pays covers everyone. If the plan expires, what you share becomes read-only and nothing is deleted until you renew.
Do I have to connect my bank or share my passwords?
No. Oslo doesn't connect to your bank or your wallet and will never ask you for a password. What it logs comes from what you say, type or share: a voice note, a screenshot, a photo of a receipt or a text.
Which countries does it work in?
Any country. You log in your currency and, if you choose a plan, the store charges you in your country's currency. Oslo is available in Spanish, English and Portuguese. It reads screenshots from many banks and wallets for free, on your phone; the rest, with the AI.
Does Oslo move my money or lend me money?
No. Oslo doesn't hold, transfer or lend money and doesn't charge interest: it keeps track of your money, which stays in your bank or your wallet. It doesn't recommend loans or investments either.
Do I have to log something every day?
No. You don't spend every day: if you didn't spend anything, tap “I didn't spend today” (in the app or from the evening reminder) and your streak keeps going. Your streak rewards staying on top of things, not spending.
How do I log an expense by voice? Does it work offline?
Tap the microphone and say it the way you'd say it: “twelve dollars on lunch”, “I got paid”, “paid the car payment”. Your voice is turned into text on your phone, so it works without signal and doesn't use AI. You can say several expenses in one sentence. If Oslo isn't sure, it asks before logging, and everything can be undone with one tap.
Which screenshots can it read?
Screenshots from the most popular banks and wallets in each country are read for free on your phone: for example, Nequi, Daviplata, Bancolombia, Mercado Pago, Nu, BBVA, Yape, Plin, Ualá, BancoEstado or MACH. Those from any other bank or wallet are read with the AI and use 1 scan. Images aren't stored: the text is extracted and they're deleted.
What's a scan and what's a message?
A scan is a photo, a screenshot or a text the AI reads (a receipt, a page of a statement). A message is a question in the chat with Oslo. Plans come with monthly scans and messages, with a daily limit; top-ups come with an amount that doesn't expire.
What happens if I run out of credits?
At 80% we let you know. At the daily limit, the AI comes back at midnight. At 100% of the month, logging by hand is still free and unlimited, the chat answers what doesn't need AI (your balance, your payments, who owes you) and saves your questions for next month. If you can't wait, a top-up goes on top. Your streak and payment reminders are never locked.
How much does it cost in my country and how do I pay?
Payments go only through the App Store or Google Play, in your local currency and with the payment method on your Apple or Google account. The store shows you the final price before you pay. In the pricing section you pick your country to see the reference price. Oslo doesn't keep cards.
How do I cancel?
With one tap, from the app or from the subscriptions in your Apple or Google account. You keep everything free and your data intact; shared spaces become read-only until you renew. If you don't open Oslo for 30 days, your plan pauses on its own.
Why isn't there an unlimited plan?
Because an unlimited plan would end up being paid for by the people who barely use it: to cover the heaviest users, everyone would pay more. We prefer clear credits with a daily limit, top-ups for busier months and a price that never goes up because you use it more.
Does my partner see my expenses?
Only if you want. In couple mode every expense is yours or the household's: the household's are seen by both of you, and yours only by you. You also choose whether to share your debts. The couple space comes with the Couple plan: whoever pays covers both of you.
Can kids use Oslo?
Yes, inside a family space and invited by an adult. Kids see their allowance, their goals and their challenges, and don't use AI. Parental controls are optional and always visible to the child. The allowance is virtual: Oslo keeps track and the money comes from you.
Does it work for my business?
Yes, if you're self-employed or have a small business. With the Business add-on (on top of Individual, Couple or Family) or with the Pro plan you get your Business space: daily cash, what you made, IOUs, suppliers and what to set aside for taxes and contributions, separate from your personal money, with AI to read your sales and the photo of your notebook. If it expires, it becomes read-only and nothing is deleted. Oslo doesn't handle inventory or invoices.
Is the assistant financial advice?
No. They're good habits with your own numbers: set money aside on payday, build your safety net and get ready for the year's big expenses. It's not professional financial advice and doesn't recommend investments or loans. The suggestions are free; with a plan, you can also ask your AI assistant anything.
Can the AI get my numbers wrong?
The AI doesn't do the math: balances, payments, interest and projections are calculated by Oslo with tested rules. The AI reads what you show it, understands your question and explains the answer with those numbers. If a scan comes out wrong, you fix it with one tap, and if the mistake was ours, we give you the scan back.
What happens to my data? Can I delete it?
Your data is yours: we don't sell it and there are no third-party ads, and we respect the data protection laws where you live. The details are in the privacy policy. From the app you can export everything to a file or delete your account and everything in it; without the app, you can request deletion at oslofinanzas.com/eliminar-cuenta.
When is it coming out and which phones does it work on?
Coming soon to the App Store (iPhone) and Google Play (Android).
