Europe Money Coach: Auto-Track Spending with Grok Bot

Input: EU bank account → Process: Enable Banking read-only link + daily sync to Google Sheet + Grok Bot categorization → Output: auto-generated weekly Money coaching Page

Who

European users with an EU bank account who want to auto-track spending and get a weekly financial summary via Grok Bot

You get

Daily auto-sync of transactions to Google Sheet; weekly Page with categorized spending, week-over-week changes, and actionable suggestions

You need

Google Sheets

Steps

1. Create a Money Coach Bot

   Create a dedicated Grok Bot for money tracking to keep it separate from other chats. Paste the prompt below into Grok Bot.

   Execution prompt · Source text。Grok Bot new bot creation input field

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   Create a new Grok Bot called Money Coach. Its job is to track my spending from my bank account, keep it in a Google Sheet, and coach me once a week on where my money went. It only ever reads my bank data. It never moves money.

2. Get Your Keys from Enable Banking

   Sign up for a free Enable Banking account and create an application in their control panel. You'll receive an application ID and a private key file. Use the prompt below to have Grok Bot walk you through the control panel settings.

   Execution prompt · Source text。Grok Bot chat input, to get Enable Banking setup guidance

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   I'm setting up Enable Banking so you can read my bank account. Walk me through creating an application in their control panel one step at a time, and tell me which settings to pick for personal use.

3. Hand the Keys to Grok Bot as Secrets

   Do not paste the private key into regular chat. Use the prompt below to have Grok Bot request and store your Enable Banking application ID and private key as secrets.

   Execution prompt · Source text。Grok Bot chat input, to trigger secret collection flow

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   Ask me for my Enable Banking application ID and private key as secrets and save them so you can use them later. Never show them in the chat.

4. Approve Read-Only Access in Your Bank App

   Grok Bot will use your Enable Banking keys to request read-only access to your bank and send you an approval link. Open the link, log in with your bank app as usual, and approve. Use the prompt below to start the connection.

   Execution prompt · Source text。Grok Bot chat input, to initiate bank read-only connection (replace [your bank] with your actual bank name)

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   Use my Enable Banking keys to connect to my bank account at [your bank], read-only. Send me the link to approve it, and tell me once it worked.

5. Set Up Morning Sync to Sheet

   Set up a scheduled routine so Grok Bot pulls new transactions every morning, appends them to a Google Sheet called Money, and sorts them into categories. You'll only be notified of anomalies.

   Execution prompt · Source text。Grok Bot chat input, to create daily sync routine

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   Set up a routine that runs every morning at 7:00. Pull my new transactions, add them to a Google Sheet called Money, and sort them into categories. Only message me if something looks off: a new subscription, a charge much bigger than usual, or the bank connection failing.

6. Get Your Weekly Coaching Page

   Set up a second routine that auto-generates a weekly spending summary Page every Monday morning, covering total spend, top categories, week-over-week changes, subscription alerts, and actionable suggestions.

   Execution prompt · Source text。Grok Bot chat input, to create weekly coaching Page routine

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   Every Monday at 08:00, go through last week's spending in my Money sheet and make me a Page. Show what I spent in total, my top categories, what changed compared to the week before, any subscriptions, and one or two things I could do differently. Keep it short and honest, no lecturing.

Follow these 6 steps to build your Money Coach in Grok Bot: 1) Create the Bot and paste the role prompt; 2) Have the Bot guide you through Enable Banking key setup; 3) Submit keys as secrets; 4) Authorize bank read-only access; 5) Set up the daily 7:00 sync routine; 6) Set up the Monday 8:00 coaching Page routine. Read-only throughout; no money movement.