Data Aggregation

Frollo uses two methods of aggregation to connect your financial accounts and import account and transaction data into our platform. This process is called data sharing and we have created a simplified user experience to link all of your accounts in accordance with industry standards.

Data Sharing

  • CDR Data aggregation (add link)
  • Yodlee (third party screen-scraping) add link

AI-powered data enrichment

We provide market-leading accuracy in transaction categorisation and merchant identification - including name and logo. This includes a learning algorithm trained to auto categorise future transactions and recategorise historical transactions.  We support personalised categories through our tagging capability, working with our automatic categorisation engine to evolve and adapt data according to personal inputs from our user community.

Buckets, Categories & Tags

We break down your budget into four main categories to help define your financial habits. As transaction data is brought into the App it is automatically assigned a category, sub-category, merchant name and logo. This data is direct from your bank or other provider and is instantly available in the Transactions tab for further personalisation.

Buckets - Income, Living, Lifestyle and Savings

Popular Categories - Groceries, Restaurants, General Merchandise, Electronics, Home Improvements, Beauty & Wellbeing, Cafes & Coffee, Furniture & Homeware, Entertainment/Recreation, Gyms & Fitness

Other Categories -  we currently have 120 categories to choose from when enhancing your transactions, this is further supported by our capability to apply tags to individualise your transactions

Tagging - a great feature to further refine or identify your transactions and budget habits. You can tag, search and track your budget on a monthly or yearly cycle

Excluding data

As a personal finance management tool, we also provide you with the option to exclude data from your budget. This may be necessary for some transactions that can be duplicated in the App for particular account types, for example, a mortgage or credit card transaction. If you exclude the transaction of paying your credit card from your everyday spending account this will correctly track your expenses (as it has already occurred in the past).

  • Exclude an Account (add link)
  • Exclude a transaction (add link)


You can easily identify bills in your transaction categorisation and our AI engine will track and remind you of upcoming bills, simply 'Create a bill' inside your transaction and we'll do the rest.

Historical analysis

When you improve your transaction details our AI engine can draw on more information to provide you with insights into your total spend, monthly spend, total transactions and average spend in this category. You can view your historical spend on any category and set limits to complete your budget journey, then we'll do the rest - nudging you when you're close to your cycle spend and providing real-time data for all of your financial reporting obligations.