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The debit-order watchdog
DebitWatch is the quiet watchdog that helps you catch a bad debit order before the balance is already wrong. It gives you a single view of every recurring debit on your account, flags the ones worth a second look, scores how exposed you are, and counts down the SARB dispute window so you act while you still can. Here's how to get the most from it.
Getting started
Complete the short onboarding — a name and your payday — then build your watchlist. Import a bank statement as a CSV, or add debits by hand; DebitWatch detects the columns, finds the recurring patterns and lays them out. A bundled sample statement lets you see the whole app before you import anything of your own.
Importing a statement
DebitWatch reads CSV exports from the major South African banks — FNB, Capitec, Nedbank, Standard Bank and others — and handles column, date and amount detection for you. Everything is parsed on your phone; nothing is uploaded.
The watchlist and risk engine
Every tracked debit sits in one place, searchable and sorted by risk, each tapping through to a full dossier. The SA-tuned risk engine flags NAEDO collector hits, MOBISUB-style anonymous subscriptions, debits timed near payday, amounts that have crept up, brand-new merchants and looming annual renewals. Your protection score gives a single readiness figure with a plain-English breakdown of what is costing you points and the one action that helps most.
The SARB dispute countdown
Every debit shows the 60-day dispute window, with the last 14 days marked urgent, so a debit you want to challenge does not quietly time out. Note that any dispute or cancellation is something you send yourself, through your bank's official channels — DebitWatch tracks the window, it does not act on your account.
Forecast, insights and accessibility
Project the next 30, 60 or 90 days of cash leaving your account, grouped by date. See what changed since last month, a six-month rolling-outflow view and a category breakdown. Seal a debit you have accepted so it stops counting against your score. A full accessibility suite — larger text, bold text, higher contrast and reduce motion — re-renders the app live.
Common questions
Do I need a bank login or an account? No. DebitWatch has no bank login and no account, and it never connects to your bank.
Is my financial data private? Yes. The Android build has no network layer, so your imported statements and debits stay on the device and are never transmitted. See our Privacy Policy.
Can DebitWatch cancel or dispute a debit for me? No. It is a personal vigilance tool, not a banking app, and it is not affiliated with any bank or with the SARB. It shows you what to watch and how long you have; you act through your bank.
Which banks' statements does it read? CSV exports from the major South African banks, including FNB, Capitec, Nedbank and Standard Bank.
Contact
We read every message. Reach us at vuyo@quantyx.co.za.
DebitWatch is published by Quantyx, a South African AI development house. Privacy · quantyx.co.za