Bank SMS
Every bank SMS and Apple Pay payment, logged by itself.
Your phone forwards your bank's payment messages, and on iPhone your Apple Pay payments, to Oru. Each one is logged the moment it arrives.
Best: SMS for instant logging, plus bank email as a backup.
Using the Oru Android app (early access)? Turn on Bank SMS in the app instead. It checks each SMS on the phone and sends only payment messages, so OTPs and personal messages never leave your phone, unless you turn on Scam watch.
- 1Send /sms to @heyoru_botAgree to the short notice.
- 2Copy your private linkTap it in the chat to copy.
- 3Set up your phone onceAbout 2 minutes, below.
Set up your phone
Use the Automation tab, not Shortcuts. You want the trigger “When I get a message”, not the Messages actions like Send Message.
Part 1: the trigger
Open the Shortcuts app.- At the bottom, tap Automation (the middle tab), not Shortcuts.
- Tap + at the top right.On your first automation, the button says New Automation instead.
- Scroll the list and tap Message (the green speech-bubble icon).Not the Messages actions like Send Message or Open Conversation.
- Tap Message Contains, type debited, then tap Done.Leave Sender empty: banks send from IDs like VM-HDFCBK, not from your contacts.
- Choose Run Immediately, not Run After Confirmation.You can also turn off Notify When Run.
- Tap Next at the top right.
Part 2: what it does
Tap New Blank Automation.- Tap Add Action, search Get Contents of URL, and tap it.
- Tap the blue URL and paste your Oru link from /sms.
- Tap the › arrow to show more, then set:Method: POST. Request Body: JSON. Add new field, Text: key text, value Shortcut Input (tap it and choose Content if offered). Add new field, Text: key from, value Shortcut Input, then Sender.
- Tap Done.
Part 3 (optional): money coming in
Repeat steps 3 to 12 with credited, to log salaries and refunds too.
Your next bank alert should get a reply in Telegram: “Logged ₹… at …”. If it doesn't, check that the URL is your full link and the Method is POST.
Apple Pay payments too
When you tap your iPhone to pay, Oru logs it. If the same payment also arrives as your bank's SMS or email, it's logged only once.
- In Shortcuts, open the Automation tab and tap +.
- Scroll the list and tap Transaction (the Wallet icon).
- Choose your cards, keep “When I tap”, and choose Run Immediately. Tap Next.
- Tap New Blank Automation, add Get Contents of URL, and paste your Oru link.Tap › and set Method: POST, Request Body: JSON, with four fields: source = applepay (type it), amount = Shortcut Input, then Amount; merchant = Shortcut Input, then Merchant; card = Shortcut Input, then Card or Pass.
If your phone has no internet when a bank SMS or Apple Pay payment comes in, iPhone can't send it later. Connect your bank email too (/connect in Telegram): it reaches Oru from your bank, whatever your phone is doing, and the same payment is never counted twice.
Once a month, if you use SMS without bank email, Oru reminds you to send last month's statement. It adds only what's missing.
Written for iOS 17 and 18. Apple renames menus now and then, so labels may differ slightly.
- Install MacroDroid (free) from the Play Store.Oru doesn't make MacroDroid; it's a separate app.
- Open it and tap Add Macro (+).
- Add a trigger: + → Messaging → SMS Received → Any number → Message content: Contains → debited → OK.Add a second trigger the same way with credited, so money coming in is logged too. The macro runs on either one.
- Add an action: + → Wait Until Trigger → a connectivity trigger (Data connection or Wi-Fi connected), with no timeout.If an SMS arrives while you're offline, MacroDroid waits and sends it when you reconnect. The labels may differ slightly in your version.
- Add an action: + → Web Interactions → HTTP Request.Set URL: your Oru link from /sms. Method: POST. Body type: Text (text/plain). Body: tap the magic-text button (…) and insert the SMS message, {sms_message}. Use plain text, not JSON: bank messages contain quotes and line breaks that break hand-typed JSON.
- Save the macro and name it “Oru bank SMS”.
- Allow MacroDroid's SMS permission when it asks.Then turn off battery optimisation for it (see the tip below), or your phone may stop it in the background.
- Test it.Wait for your next bank alert. Oru replies in Telegram with “Logged ₹… at …”. If nothing comes, check the URL, that the method is POST, and the battery setting.
On Xiaomi, Oppo, Vivo, Realme and Samsung phones, turn off battery optimisation for MacroDroid: Settings → Apps → MacroDroid → Battery → Unrestricted (or No restrictions). Otherwise the phone may close it and alerts get missed.
With the “wait until connected” step, MacroDroid sends it once you're back online.
Once a month, if you use SMS without bank email, Oru reminds you to send last month's statement. It adds only what's missing.
Oru doesn't make MacroDroid; it's a separate app. Menu names may differ slightly between versions.
What Oru keeps, and what it doesn't
- Your phone sends only the messages your rule matches.
- Oru keeps the amount, the shop or person, the date and the bank. Never the SMS itself.
- From Apple Pay, Oru gets the amount, the shop and the card's name, never the card number.
- OTPs and anything that isn't a payment are thrown away unread.
- Keep your link private: anything sent to it is logged as yours. Send /sms in Telegram for a new link, or /sms off to stop it all.
Questions
Is it safe?
Oru never asks for an OTP or a password and can't move money. It only reads the payment details from messages your phone sends it.
Does it read all my messages?
No. Only the messages your rule forwards, like ones containing “debited”. Everything else stays on your phone.
Will a payment be logged twice if I also forward bank emails?
No. Oru spots the same payment arriving by SMS and by email and logs it once.
How do I stop it?
Send /sms off in Telegram, or delete the automation or rule on your phone.