Whistl Support & Help Center: Everything You Need to Know

Welcome to Whistl Support. Find answers to common questions, troubleshooting tips, setup guides, and contact information.

Quick Links

• Getting Started
• Protected Floor
• Accountability Partner
• SpendingShield
• Troubleshooting
• Contact Us

Getting Started

How do I download Whistl?

Whistl is available on the iOS App Store. Search "Whistl" or click here. Android version coming Q2 2026.

How do I set up my account?

1. Download Whistl from App Store
2. Open app and tap "Get Started"
3. Enter email and create password
4. Verify email (check inbox)
5. Connect your bank account (Open Banking)
6. Complete setup wizard

Which banks does Whistl support?

Whistl supports all major Australian banks through Open Banking:

• Commonwealth Bank
• NAB
• ANZ
• Westpac
• ING
• Macquarie
• And many more via Open Banking

Is Whistl free?

Yes! Core features (Protected Floor, SpendingShield, Accountability Partner, Dream Board) are free forever. Premium features may be added in the future.

Protected Floor

What is Protected Floor?

Protected Floor is a minimum balance that Whistl prevents you from spending on impulses. Set it to cover your essential expenses (rent, bills, groceries).

How do I set up Protected Floor?

1. Open Whistl → Settings
2. Tap "Protected Floor"
3. Enter your monthly essential expenses
4. Tap "Save"
5. Enable Auto Top-Up (recommended)

Can I access Protected Floor money for emergencies?

Yes. Protected Floor blocks impulse spending, not genuine emergencies. You can override if needed—but Whistl will ask you to confirm it's a real emergency.

What happens if I try to spend below my Protected Floor?

Whistl will either block the transaction or require additional confirmation (depending on your settings). Your accountability partner may also be notified.

Accountability Partner

What is an Accountability Partner?

An Accountability Partner is someone you trust who gets notified when you attempt large purchases. They provide support and help keep you accountable to your goals.

How do I invite an Accountability Partner?

1. Open Whistl → Settings
2. Tap "Accountability Partner"
3. Tap "Invite Partner"
4. Enter their email or phone
5. Add personal message (optional)
6. Tap "Send"

Who should I choose as my Accountability Partner?

Good choices include:

• Spouse/partner
• Close friend
• Family member (parent, sibling)
• Financial coach

What can my Accountability Partner see?

You control what they see:

• Purchase notifications (threshold you set)
• Spending summaries (weekly/monthly)
• Goal progress
• Full transaction history (optional)

Can I change my Accountability Partner?

Yes, anytime in Settings → Accountability Partner.

SpendingShield

What is SpendingShield?

SpendingShield is Whistl's AI-powered spending protection. It analyses 27 risk signals and automatically increases protection when you're at high risk of impulse spending.

How do I enable SpendingShield?

SpendingShield is enabled by default. You can adjust sensitivity in Settings → SpendingShield.

What are the 27 risk signals?

SpendingShield analyses:

• Time of day, day of week, days since payday
• Spending velocity (how fast you're spending)
• Location (proximity to gambling venues, etc.)
• Merchant category and risk level
• Transaction amount vs. your average
• Behavioural patterns
• Contextual signals (stress, sleep if connected)

What happens when SpendingShield detects high risk?

Depending on risk level:

• Medium risk: Gentle reminder
• High risk: Cooling-off timer (1-24 hours)
• Critical risk: Block + partner notification

Troubleshooting

Bank connection isn't working

Try these steps:

1. Check your internet connection
2. Log out and log back in
3. Re-connect your bank in Settings → Connected Banks
4. Contact your bank to ensure Open Banking is enabled
5. Contact Whistl support if issue persists

Notifications aren't working

Check these settings:

1. iPhone Settings → Whistl → Notifications → Enable
2. Whistl Settings → Notifications → Enable all
3. Check Do Not Disturb isn't enabled
4. Restart your phone

SpendingShield isn't catching my impulses

SpendingShield learns over time. Give it 2-4 weeks to learn your patterns. You can also:

• Lower the threshold in Settings → SpendingShield
• Enable stricter blocking mode
• Add more accountability partners

My Accountability Partner isn't receiving notifications

Check these settings:

1. Confirm partner accepted invitation
2. Check notification threshold (Settings → Accountability)
3. Ask partner to check their notification settings
4. Try removing and re-inviting partner

App is running slowly

Try these steps:

1. Close and reopen the app
2. Check for app updates
3. Restart your phone
4. Delete and reinstall app (data is backed up)

Contact Us

How to Reach Support

• Email: support@whistl.app
• In-app: Settings → Help → Contact Support
• Response time: Within 24-48 hours

Support Hours

Monday-Friday: 9am-5pm AEST

Weekends: Limited support (emergency issues only)

Before Contacting Support

For faster resolution, please:

• Check this Help Center first
• Try troubleshooting steps
• Include your device model and iOS version
• Include screenshots if applicable

Privacy & Security

Is my data safe?

Yes. Whistl uses bank-level encryption and processes data on-device where possible. We never sell your data.

How do I delete my account?

1. Settings → Account
2. Tap "Delete Account"
3. Confirm deletion
4. All data is deleted within 30 days

Can I export my data?

Yes. Settings → Privacy → Export Data. You'll receive a CSV file via email.

Conclusion: We're Here to Help

Can't find what you're looking for? Contact support at support@whistl.app. We're here to help you succeed.

Related: Protected Floor Guide | Accountability Partner Guide | SpendingShield Guide