How Lodo works

1. Say hello in WhatsApp.

Use the WhatsApp button on this website. Lodo will guide you through the available onboarding steps. If access is being rolled out, follow the instructions in the chat. You can begin with the money job that is on your mind, rather than learning a dashboard first.

2. Bring the relevant accounts into view.

For personalised spending information, connect a supported bank account through the account-linking flow. Read the permission screen and select the accounts you want to share. Bank sign-in belongs in the bank’s authorised connection flow, never in a WhatsApp message.

Adding an account helps fill in the picture, but it does not automatically explain every transaction. Cash spending, an unconnected credit card and a purchase made for someone else may still need context from you.

3. Ask in ordinary language.

A useful question names a time period and the thing you want to understand. “How much did I spend on groceries last month?” is easier to act on than “Am I good with money?” You can follow up when a category or transaction needs explaining.

You can also ask for a budget, review your recurring payments or explore a bill-saving task. The available route depends on the feature, provider and information needed.

• “Show me my regular subscriptions.”
• “Help me set a weekly food budget.”
• “What changed in my spending this month?”
• “Help me review my household bills.”

4. Turn the answer into a decision.

The point is not to collect more charts. It is to make the next decision clearer: keep or cancel a subscription, set a realistic limit, compare a bill or review money that has no planned job.

Some tasks happen in the conversation. Others use a linked page, a prefilled draft or the provider’s own process. Keep the confirmation that tells you a task is complete. An email draft is not an email sent; a cancellation request is not yet the provider’s confirmation.

5. Keep the loop small.

A money check does not have to become a Sunday project. Pick one question, resolve one confusing item and make one decision. Repeating that routine is often more useful than a complicated plan you stop opening.

The guides and calculators on this site work without connecting a bank. Use them to understand the mechanics before bringing your own situation into the chat.