The First Virtual Assistant in Personal Finance

Go to Settings on top left and select User Profile. Enter your XOBI password. Erase existing email and type in new email.  Hit back arrow to save. XOBI will send you an email confirming the change.  

Tap on Settings on top left and select User Profile. Enter your XOBI password. Tap on MOBILE NUMBER and enter new mobile number. XOBI will prompt you to check your messages for a one-time verification code.

After confirming, a new text will arrive with the code to enter into the XOBI app. “Verify” and a pop-up confirms your mobile number has been verified.

From the login screen, hit “Forgot password.” Follow the steps in the “Reset Password” email XOBI sends you.

While in XOBI, go to Settings and select User Profile. Enter your XOBI password. Select “Update Password” and type in new password. Hit “Update.”

From Settings, tap on ADD PHOTO. Either “Choose Photo” from your photo library, or “Take Photo” to create a selfie on the spot. “Save.”

We need your username and password for your financial institution to establish a secure and encrypted connection. We pass your user credentials directly through to your bank’s provider using industry standard Secure Socket Layer encryption. We do not store it. 

Make sure your online banking credentials and the bank URL are correct. If so, logon to your bank directly to make sure you’re not locked out. If not, contact XOBI technicians at support@XOBI.com

Although XOBI currently supports thousands of banks, yours may not be one of them. Please contact us at support@XOBI.com to request we add your bank.

We currently do not support investment accounts, but are constantly adding new features. Please check back soon!

In ACCOUNTS, find the ‘+’ sign on upper right, select your institution and enter your online banking credentials to link your data.

No. After linking an institution, go to the ACCOUNTS navigator to select or deselect accounts to display in XOBI.

Go to User Profile in Settings. After entering your XOBI password, tap on “Delete Account.” Type in the word “delete” to confirm, and hit “Delete.” You will automatically be logged out and receive an email confirming your XOBI account deletion and your data. This action cannot be reversed.

Ask XOBI allows you ask in your own words any question you have regarding your linked account data. Think of XOBI as your virtual assistant for all financial questions. See Pro-Tips for Natural Language.

Weddings and other life events are best captured under the LIFE navigator. We created Life Events for scenarios that computer algorithms can’t intuit. For example, XOBI would assign a category label a stationary store as a “home” purchase. Only you can determine, however, that it was, in fact, a purchase for a wedding announcement. The best way to track expenditures that are difficult for computer algorithms to intuit is by creating a Life Event.

Or

Weddings and other life events are best captured under the LIFE navigator. We created Life Events for scenarios that computer algorithms can’t intuit. For example, XOBI by default assigns “stationary stores” as a “home” purchase. Only you can determine, however, that it was, in fact, a purchase for a wedding announcement. Moreover, you can tag transactions [e.g., wedding] and search for them later.

Tags are used to attribute or describe who or what an item or service is intended for, or to further detail an income source.  For example, you may want to tag a “fuel” transaction with “Honda.” Further enrichment of a user’s digital financial library is particularly useful for tax, business and bookkeeping purposes, or for sharing with friends and family via XOBI Life Events. After you tag a transaction, you can always look for it again by asking XOBI.

Yes, XOBI automatically tags “have to” spend items as “Essential” and tax-related transactions “Tax Related.”

XOBI tries to identify all your essential spending to help you determine your “have to” expenses. For example, XOBI automatically tags the master and subcategories listed below. You can always remove or tag more transactions as essential to reflect your own personal plan. 

“Essential” Master Categories:

Auto & Transport
Education
Insurance
Obligations
Professional Services
Tax
Technology (hey, we can’t live without it either!)
Utility

“Essential” Subcategories:

Bill Pay
Car Loan & Lease
Equity Line
Home Mortgage
Personal Loan
Student Loan
Groceries
Home Appliances
Home Maintenance & Repair
Rent
Home Services
Home Supplies
Medical
Vision
Salon, Spa, & Barber
Counseling

XOBI tries to associate common words with a particular merchant or category.  For instance, the word “doctor" is relevant to the “Medical” subcategory.  “Sushi” is relevant to a Japanese restaurant. 

Every 3 to 4 hours.

There are two convenient ways to find a transaction.
1. Ask XOBI via voice or text questions like, “Find my transaction on February 12th,” or “Find my Amazon transactions in May.”

2. Perform a more traditional search within the ACTIVITIES navigator using the search field.

Yes. You may select a different name or category by tapping on it in ACTIVITIES navigator. After editing, XOBI will ask you if you wish to apply the change to all similar transactions or just that one. In addition, you may also personalize your transactions by adding a note, tag, receipt, or photo to any transaction.

Some transactions may not contain enough information for XOBI to assign a category. To improve your XOBI experience, you can always assign an appropriate category for any transaction. This may also improve the quality of answers to some of your ASK XOBI questions.

Once you have created an event, you can share it with friends & family by text or email.  Select the share icon in the bottom right corner of the event, and a pop-up will ask you if you want to share or hide the dollar value.  Then just choose to send a text or email to share.  Don’t worry, if you ever want to stop sharing the event, you can easily do that, by tapping the same share icon in the bottom right corner and selecting “Stop.”

Where possible, XOBI will add a more “user friendly” merchant name, an address, phone number, and assign a category and logo.

No. After you select the share icon [insert icon] in the bottom right corner of an event, a pop-up will ask you if you want to hide or share the dollar amounts. 


For best results, try taking the photo on a flat, non-white surface.  Make sure that the receipt is flat, without any tears or creases. The camera will snap the photo once it has found the receipt edges.

If your receipt doesn’t automatically attach to the appropriate transaction, you can match it manually.  From the RECEIPTS navigator, tap on the receipt, select “Show all Activities” and search for the transaction by using the search field on top or by scrolling through listed transactions. Once you find the correct one, tap on it and select “Assign.”

Yes. From HOME, click on the sunglasses icon to hide balances.  When you have your shades on, no one will see those balances. Just tap again for them to reappear.


We have enriched your transactions to make them easy to read and fun to interact with.  We are constantly adding logos and images to make your digital transactions look as beautiful as possible, so if you don’t see a logo right now, we are working hard to get it to you.  You can help XOBI enrich more of your transactions by editing (tap on) the merchant name or category.

XOBI offers smart technology to match and store receipts. You can submit a receipt to XOBI either by snapping a photo while you are in XOBI or by emailing your receipts to you personalized email address. Your personalized email address is found under the ‘?’ in RECEIPTS. If XOBI doesn’t find a matching transaction for your receipt, it will reside in “assigned receipts,” under the RECEIPTS tab. You can always manually add it to a transaction.

From the ACTIVITIES tab, you may tap on a transaction to view the original bank record. If you still don’t recognize the transaction, you should contact your bank. If XOBI assigned the wrong merchant name or category, you can always edit the transaction by tapping on the merchant name or category.