Real Qershnat services available from your app settings
This page shows the services currently available in Qershnat. Unavailable services are hidden from users.
A complete finance app for mobile and web
Qershnat brings your money, tasks, occasions, and bills into one smart experience.
Manage wallets, transactions, debts, tasks, occasions, budgets, subscriptions, secret links, and Ahd agreements from one place, with AI, alerts, attachments, safe sharing, and local sync where supported.
35+
supported currencies
AI
text, voice, and image assistant
24/7
alerts and follow-up
Arabic
natural Arabic layout
From input to financial clarity in a few steps
Qershnat does more than show numbers. It turns each transaction, task, bill, or occasion into useful context.
Ready to make Qershnat your daily finance hub?
Start from web or mobile, from a simple wallet to budgets, goals, Ahd, bills, and occasions.
Core Qershnat services
Public pages explain the features users need before signing up or downloading the app.
Wallets and balances
Create wallets by currency or purpose, then track balances, income, and expenses without friction.
- Multiple currencies
- Images and attachments
- Filters and reports inside each wallet
Transactions and transfers
Record income, expenses, and transfers with categories, notes, attachments, and previews.
- Quick entry
- Automatic categorization
- Monthly reports
Debts and installments
Track what you owe and what is owed to you, with installments, payments, attachments, and sharing links.
- Installment schedules
- Payment proofs
- Permission-based sharing
My Tasks and custom lists
Default or custom task lists with custom fields, reminders, attachments, and drag ordering.
- Custom lists
- Financial fields linked to wallets
- Sharing and sync
My Occasions
Birthdays, memories, countdowns, greetings, and social reminders in one organized place.
- Age and zodiac info
- Greeting messages
- Photos and attachments
Budgets and financial goals
Set spending limits, monitor usage, and build saving or payoff goals with a clear plan.
- Category budgets
- Financial goals
- Limit alerts
Subscriptions and bills
Track internet, utilities, rent, and subscriptions with a calendar and smart reminders.
- Bills calendar
- Mark as paid
- Optional automatic transactions
Qershnat Hush
Temporary secret messages with text, image, audio, or video through short links and view limits.
- Auto-expiry
- No content preview
- Link view stats
Qershnat Ahd
Document personal financial promises with approval links, payments, e-signatures, and clean PDFs.
- Other-party approval
- Payment proofs
- Gentle reminders
My public profile (qrsh.link)
A short-link mini-site on qrsh.link/your-username that gathers your links, services, products, portfolio, contact form, QR and vCard — like your own micro-website.
- Links, blocks, services, products
- Draft mode and optional password protection
- QR + vCard + click analytics
Qershnat AI chat — text, voice & image
A smart assistant that understands your language, answers about your account, suggests transactions, and shows a clear review before any save.
- Smart text chat
- Voice recording converted to a transaction
- Receipt photo → extracted data
Smart category rules
Automatically categorize transactions based on keywords and repeated behavior for cleaner reports.
- Editable rules
- Smart suggestions
- Analyze uncategorized transactions
How Qershnat helps step by step
Enter data your way
Text, voice, image, attachment, or sharing link depending on the feature.
Permissions are checked
Users see only their data, and shared links follow the permissions you choose.
Calculate, classify, and alert
Budgets, goals, bills, tasks, occasions, and alerts work together.
Review and share when needed
PDFs, short links, WhatsApp, email, and push alerts based on settings.
Trust and privacy
Privacy and permissions
Your data is protected, public links do not expose internal details, and every request checks access permissions.
Offline and sync
Features designed for offline use store locally and sync only new changes when connection returns.
Multi-channel alerts
Push, WhatsApp, email, and in-app notifications based on user choices and available settings.
Country pages
United Arab Emirates
Local context with AED and direct indexable links.
Saudi Arabia
Local context with SAR and direct indexable links.
Egypt
Local context with EGP and direct indexable links.
Kuwait
Local context with KWD and direct indexable links.
Qatar
Local context with QAR and direct indexable links.
Oman
Local context with OMR and direct indexable links.
Bahrain
Local context with BHD and direct indexable links.
Jordan
Local context with JOD and direct indexable links.
Iraq
Local context with IQD and direct indexable links.
Turkey
Local context with TRY and direct indexable links.
India
Local context with INR and direct indexable links.
Pakistan
Local context with PKR and direct indexable links.
Spain
Local context with EUR and direct indexable links.
Germany
Local context with EUR and direct indexable links.
Indonesia
Local context with IDR and direct indexable links.
Brazil
Local context with BRL and direct indexable links.
Russia
Local context with RUB and direct indexable links.
China
Local context with CNY and direct indexable links.
From the Knowledge Center
Useful categories to explore before full articles are published.
Expense Management
Practical articles about Expense Management to help organize money and daily work with Qershnat.
Budgeting
Practical articles about Budgeting to help organize money and daily work with Qershnat.
Financial Goals
Practical articles about Financial Goals to help organize money and daily work with Qershnat.
Debts and Installments
Practical articles about Debts and Installments to help organize money and daily work with Qershnat.
Bills and Subscriptions
Practical articles about Bills and Subscriptions to help organize money and daily work with Qershnat.
Gold and Currencies
Practical articles about Gold and Currencies to help organize money and daily work with Qershnat.
Quick questions before you start
Do all services always appear? +
No. Only currently available services appear. Unavailable services are hidden from the website and app according to their settings.
Does the app work offline? +
Services designed for local use work offline after their data is available. Server-based services like AI or public links require connection.
Does the assistant execute actions directly? +
Sensitive actions like create, edit, or delete require review and confirmation before execution.
Can I share data with someone else? +
Yes, through permission-based links for wallets, debts, tasks, and services like Ahd.
Is the app free? +
Yes — you can start with one wallet and up to 100 transactions per month, free, and upgrade later.
Is my data safe? +
Absolutely. Sensitive data is encrypted, we follow best practices like CSRF, rate limiting and Sanctum, and all payments are processed by Stripe — we never see your card.
Can I use it on my phone? +
Yes — the app is fully responsive and supports PWA, so you can install it on your home screen and use it offline.
Do I need an OpenAI account for the AI features? +
No, we take care of that. Just enjoy the AI features within your plan limits.
Can I export to Excel or PDF? +
Yes — exports are available on the Basic and Pro plans.
How does wallet sharing work? +
From a wallet page you create a short public link and choose the permissions (add / edit / delete) and an optional expiry. Anyone who opens the link can record transactions per their permissions, with no account required.
What payment options are available? +
We support all major cards plus Apple Pay and Google Pay through Stripe. Save your card for automatic monthly renewals, and cancel any time.
Can I manage debts and payments? +
Yes. You can track debts owed to you or by you, add payments or increases, attach documents, optionally link movements to wallets, and follow the remaining balance in one activity log.
How do WhatsApp notifications work? +
When enabled, WhatsApp messages are sent in each user’s selected language for key events like wallet creation, transactions, sharing, and debt payments or reminders. Users can control their alert preferences from settings.
Is Qershnat a banking app? +
Qershnat helps with organization, follow-up, and recording. It does not claim bank integrations that do not exist.
Do public pages show my data? +
No. Public SEO pages explain features only. Your private data stays in the app or in links you choose to share.
Does Qershnat support every available language? +
Yes. The public website generates direct links for every supported language, and editorially incomplete pages can remain noindex until complete.