PhonIQ
Features

Everything PhonIQ does

PhonIQ replaces your phone and SMS apps, then puts what is in them to work: calls, messages and money, sorted out on your phone.

PhonIQ's recent calls, then an incoming call from a number flagged as spam.

Phone

  • Recents, contacts, favourites and search in one place.
  • Spam calls flagged while they ring; numbers you block never ring.
  • Call recording where the law allows it, with a notice and your consent.
  • Full-screen incoming calls when your phone is locked.
PhonIQ's inbox sorted into personal, payments and offers, as a delivery SMS arrives.

Messages

  • An inbox sorted into personal, payments, OTPs, bills, deliveries and offers.
  • OTPs shown big with a countdown and one-tap copy.
  • Schedule an SMS for later, even across a restart.
  • Translate a message inline, on your phone.
PhonIQ Money: this month's spending, budget and recent transactions from bank SMS.

Money

  • Spending built from your bank SMS, no bank login.
  • Budgets and categories for the month.
  • Bills due, gathered from the SMS that mention them.
  • Export to CSV when you want your numbers elsewhere.
PhonIQ's Upcoming list: an overdue phone bill with Pay, a parcel with Track and a train with Copy PNR.

Upcoming, before you ask

  • Overdue and due bills, with a Pay button.
  • Parcels arriving today, with Track.
  • Trains and flights from your booking SMS, with Copy PNR.

Ask about your own messages and money

Answers are worked out on your phone, with on-device AI on phones that support it.

Ask AI answers how much was spent this month, on the phone.
PhonIQ's theme gallery: a theme is previewed and applied, and the app recolours.

Make it yours

  • Every theme comes in light and dark.
  • Change colours, font and text size to suit you.
  • Pro themes come with PhonIQ Pro, a one-time purchase.

Home-screen widgets

Missed calls and the latest OTP, bills due, and what you spent this month, right on your home screen.

Backup and app lock

Back up to your own Google Drive, encrypted with a passphrase you choose, and keep PhonIQ behind your fingerprint, face or screen lock.

PhonIQ Chat

End-to-end encrypted messages between PhonIQ users, off until you turn it on, in the countries where it is offered.