Ask Finn

How do I text Finn?

On your Profile, open Text messages: verify your mobile number, turn on Text Finn and save our number. Then text any question about your money and get a short answer back. Reply STOP to pause all our texts, and START to bring them back.

Updated Nov 2, 2026

Texting Finn is handy when you're out and about: text a question like how much have I spent on restaurants this month? and the answer comes back in a text or two. Included with Thrive and Thrive Duo.

Set it up

  1. Open Text messages

    Go to Profile and find Text messages. On the Ask Finn page you can also choose Set up texting on the Text Finn card at the top, or Text Finn beside the page's title once you've closed the card.

  2. Verify your mobile

    Under Your mobile number, enter a Canadian or US mobile number and choose Text me a code (or Call me instead). Type the code and choose Verify.

  3. Turn on Text Finn

    Under Choose what we text you, switch on Text Finn. A welcome text arrives to confirm it's on.

  4. Save our number

    Under Save our number, choose Add to contacts so our texts show up as Finly Money. On a phone, Text Finn now opens a new message to us, and so does Text Finn beside the Ask Finn title.

Texting Finn

  • Text from the mobile number you verified. Texts from other numbers get no reply.
  • Replies are short, start with Finly Money: and never include account numbers.
  • Finn can't send charts by text. When a question needs a chart or a long table, it gives you the headline and points you to the app.
  • A text sent soon after your last one carries on the same conversation, so a reply like and August? works. After 6 hours of quiet, your next text starts a new conversation.
  • If Text Finn is switched off, texts to our number get no answer.

Stop and start

Text this

What happens

STOP

Stops all our texts: Finn, and any reminders or alerts by text. They stay off until you text START.

START

Brings back everything you had switched on.

HELP

We reply with where to get help.

To stop only Finn's texts, switch off Text Finn on your Profile. Your reminders and alerts by text keep coming.

Your text history

Your texts with Finn are saved in Ask Finn's conversation list, marked By text. Open one to read it back. To carry on, reply from your phone, or choose New chat to continue in the app.

Deleting a text conversation from the list removes it, and your next text starts a new one.

Limits

Finn sends up to 20 text replies a day and 150 a month, and texted questions also count toward Finn's daily answers and monthly allowance. Your limits on the Text messages card shows what's left. See how many questions you can ask Finn.

Frequently Asked Questions

Yes. Switch on Reminders and alerts in the same Text messages card. See how bill reminders work.

Text START to the same number. Everything you had switched on comes back by itself.

Verify your mobile number first. If you replied STOP to any of our texts, the switch stays off until you text START. Texting Finn also needs a plan that includes Finn.

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