Bank & wallet SMS → money tracker
Forward bank, card and wallet SMS to a webhook; AI logs each payment and income in a sheet.
How it works
Trigger: Webhook — an SMS forwarded from your phone
- An SMS-forwarding app on your phone sends bank and wallet SMS to the webhook.
- AI reads the SMS: income or expense, amount, currency, merchant and date.
- OTPs, ads and balance messages are ignored; transactions go to your Money sheet.
Diagram
Trigger App Logic Code AI
Code
JavaScript used in the Code step — already included in the template below.
// Mode: Run Once for Each Item
// The AI was asked for JSON like:
// {"is_transaction": true, "type": "debit", "amount": 450, "currency": "EGP", "merchant": "Carrefour", "date": "2026-10-19"}
const match = $json.text.match(/\{[\s\S]*\}/);
const t = match ? JSON.parse(match[0]) : {};
const sms = $("Bank SMS").item.json.body || {};
return {
json: {
is_transaction: t.is_transaction === true && Number(t.amount) > 0,
date: t.date || new Date().toISOString().slice(0, 10),
type: t.type === "credit" ? "income" : "expense",
amount: Number(t.amount) || 0,
currency: t.currency || "EGP",
merchant: t.merchant || "",
sender: sms.from || "",
},
};Build it
Pick your tool — same automation, step by step.
Copy and paste straight into an n8n canvas (Ctrl+V), or download and use Import from File. Then connect your own credentials and replace every YOUR_… placeholder. AI steps use a Claude model node — swap it for OpenAI, Gemini or Ollama if you prefer.
Show code (208 lines)
{
"name": "Bank & wallet SMS → money tracker (Flowngn)",
"nodes": [
{
"parameters": {
"content": "## Bank & wallet SMS → money tracker\nForward bank, card and wallet SMS to a webhook; AI logs each payment and income in a sheet.\n\n**Setup**\n1. Open each node and connect your own credentials.\n2. Replace every YOUR_… placeholder.\n3. Test once, then activate.\n\nFree template from Flowngn",
"height": 260,
"width": 340
},
"id": "2de5ab85-b2af-45d3-a2c6-711a884b6523",
"name": "Setup notes",
"type": "n8n-nodes-base.stickyNote",
"typeVersion": 1,
"position": [
-420,
-60
]
},
{
"parameters": {
"httpMethod": "POST",
"path": "bank-sms",
"options": {}
},
"id": "2de5ab85-b2af-45d3-a2c6-711a884b6523",
"name": "Bank SMS",
"type": "n8n-nodes-base.webhook",
"typeVersion": 2,
"position": [
0,
0
],
"webhookId": "2de5ab85-b2af-45d3-a2c6-711a884b6523"
},
{
"parameters": {
"promptType": "define",
"text": "=This is a bank, card or wallet SMS (often Arabic or English). Reply ONLY with JSON: {\"is_transaction\": true|false, \"type\": \"debit\"|\"credit\", \"amount\": number, \"currency\": \"EGP\", \"merchant\": \"...\", \"date\": \"YYYY-MM-DD\"}. OTP codes, ads and balance-only messages are not transactions.\n\nSMS: {{ $json.body.text }}"
},
"id": "2de5ab85-b2af-45d3-a2c6-711a884b6523",
"name": "Read the SMS",
"type": "@n8n/n8n-nodes-langchain.chainLlm",
"typeVersion": 1.5,
"position": [
300,
0
]
},
{
"parameters": {
"model": {
"__rl": true,
"value": "claude-sonnet-5",
"mode": "list"
},
"options": {}
},
"id": "2de5ab85-b2af-45d3-a2c6-711a884b6523",
"name": "Claude model",
"type": "@n8n/n8n-nodes-langchain.lmChatAnthropic",
"typeVersion": 1.3,
"position": [
300,
220
]
},
{
"parameters": {
"jsCode": "// Mode: Run Once for Each Item\n// The AI was asked for JSON like:\n// {\"is_transaction\": true, \"type\": \"debit\", \"amount\": 450, \"currency\": \"EGP\", \"merchant\": \"Carrefour\", \"date\": \"2026-10-19\"}\nconst match = $json.text.match(/\\{[\\s\\S]*\\}/);\nconst t = match ? JSON.parse(match[0]) : {};\nconst sms = $(\"Bank SMS\").item.json.body || {};\n\nreturn {\n json: {\n is_transaction: t.is_transaction === true && Number(t.amount) > 0,\n date: t.date || new Date().toISOString().slice(0, 10),\n type: t.type === \"credit\" ? \"income\" : \"expense\",\n amount: Number(t.amount) || 0,\n currency: t.currency || \"EGP\",\n merchant: t.merchant || \"\",\n sender: sms.from || \"\",\n },\n};",
"mode": "runOnceForEachItem"
},
"id": "2de5ab85-b2af-45d3-a2c6-711a884b6523",
"name": "Read transaction",
"type": "n8n-nodes-base.code",
"typeVersion": 2,
"position": [
600,
0
]
},
{
"parameters": {
"conditions": {
"options": {
"caseSensitive": true,
"leftValue": "",
"typeValidation": "loose"
},
"conditions": [
{
"id": "c1",
"leftValue": "={{ $json.is_transaction }}",
"rightValue": "",
"operator": {
"type": "boolean",
"operation": "true",
"singleValue": true
}
}
],
"combinator": "and"
},
"options": {}
},
"id": "2de5ab85-b2af-45d3-a2c6-711a884b6523",
"name": "Is a transaction?",
"type": "n8n-nodes-base.if",
"typeVersion": 2.2,
"position": [
900,
0
]
},
{
"parameters": {
"operation": "append",
"documentId": {
"__rl": true,
"value": "YOUR_SPREADSHEET_ID",
"mode": "id"
},
"sheetName": {
"__rl": true,
"value": "Money",
"mode": "name"
},
"columns": {
"mappingMode": "autoMapInputData",
"value": {}
},
"options": {}
},
"id": "2de5ab85-b2af-45d3-a2c6-711a884b6523",
"name": "Add to Money sheet",
"type": "n8n-nodes-base.googleSheets",
"typeVersion": 4.5,
"position": [
1200,
0
]
}
],
"connections": {
"Bank SMS": {
"main": [
[
{
"node": "Read the SMS",
"type": "main",
"index": 0
}
]
]
},
"Read the SMS": {
"main": [
[
{
"node": "Read transaction",
"type": "main",
"index": 0
}
]
]
},
"Read transaction": {
"main": [
[
{
"node": "Is a transaction?",
"type": "main",
"index": 0
}
]
]
},
"Is a transaction?": {
"main": [
[
{
"node": "Add to Money sheet",
"type": "main",
"index": 0
}
]
]
},
"Claude model": {
"ai_languageModel": [
[
{
"node": "Read the SMS",
"type": "ai_languageModel",
"index": 0
}
]
]
}
},
"pinData": {},
"settings": {
"executionOrder": "v1"
},
"meta": {
"templateCredsSetupCompleted": false
},
"tags": []
}In Make, create a new scenario and add these modules in order:
- Webhooks › Custom webhook
- Anthropic Claude › Create a Prompt (or OpenAI › Create a Completion)
- Tools › Set variable / Iterator + Array aggregator (same logic as the Code step)
- Filter on the next route: “Is a transaction?”
- If yesGoogle Sheets › Add a Row
- Every module run uses Make operations — the free plan includes a monthly quota.
- Make's built-in functions (map, sum, formatDate…) can replace most Code steps; for complex logic use a code module.
- Module and step names can differ slightly as Make and Zapier update their apps.
In Zapier, create a new Zap and add these steps in order:
- Webhooks by Zapier — Catch Hook
- Anthropic (Claude) — Send Message (or ChatGPT — Conversation)
- Code by Zapier — Run JavaScript (paste the code from the Code section)
- Filter by Zapier: “Is a transaction?”
- If yesGoogle Sheets — Create Spreadsheet Row
- Zaps with more than two steps need a paid Zapier plan.
- Webhooks, Filters/Paths and Code by Zapier are premium features on some Zapier plans.
- Code by Zapier runs JavaScript: reuse the code shown above, reading inputs from inputData instead of $json.
- Module and step names can differ slightly as Make and Zapier update their apps.
Tips
- Use an SMS forwarder app that filters by sender (your bank's name) — never forward OTP codes anywhere.
- Send only to your own private webhook URL.
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