The Noryo glossary
All Noryo keywords explained simply: Noryo Score, Wealth, Notebook, Household, Nory, open banking, Tax Pack, and more.
Noryo uses certain words frequently in the app. This glossary explains them simply, so every screen makes sense from the start. You can refer back to it anytime.
No need to remember everything. Browse the terms once, then return whenever a word slips your mind as you use the app.
Screens and features
The main concepts of Noryo
- Noryo Score
- A score out of 100 that sums up your financial health based on five dimensions: Reserve, Savings rate, Stability, Diversification, and Anti drift. It is recalculated every day and its history is kept.
- Wealth
- The view of what you own (assets such as real estate, investments, savings) and what you owe (liabilities such as loans and debts). The difference forms your net worth.
- Notebook
- A space for shared expenses, for example a trip or a flatshare. The notebook works out who paid what, for whom, and suggests a simple reimbursement plan.
- Household
- A shared space for up to four members (owner and three others), with roles, a common view, and each person keeping control of their own data.
- Nory
- The built in financial assistant. It answers your questions, analyzes your spending, and can suggest actions, always subject to your confirmation.
- Tax Pack
- An annual summary of your income and expenses to help you prepare your return. It does not replace your official documents.
Banking and security
Connection and protection of your data
- Open banking
- The framework that lets you, with your agreement, link an app to your bank accounts to read their transactions. This is what feeds Noryo automatically.
- PSD2
- The European regulation that governs open banking and imposes strict security and consent rules for access to your accounts.
- Consent
- Your explicit agreement for Noryo to read your transactions. It is revocable at any time and expires regularly for security, which requires reconnecting the bank.
- Read only
- Noryo's access mode to your banks: seeing your transactions to display them, without ever being able to make a payment or a transfer.
- Secure bank connection
- The way you link a bank: confirmation is done on your bank's interface, and your banking credentials are never entered in Noryo.
Everyday use
As your transactions come in
- Transaction
- An operation on one of your accounts: a payment, a transfer, a withdrawal, or incoming money.
- Category
- The label that files a transaction (housing, transport, food, etc.). Categories are organized in a taxonomy.
- Categorization rule
- An instruction such as all payments from this merchant go in this category, applied automatically to your future transactions.
- Budget
- A monthly spending cap for a category, with a progress bar and alerts as it approaches and then exceeds the cap.
- Savings goal
- A target you set for yourself (name, amount, due date), with progress tracking and a simulator for the date you will reach it.
- Vault
- The encrypted space to store your important documents, organized into folders, with validity badges.
Projections, scenarios, and Noryo's Tax Pack are estimates designed to inform your decisions. They do not constitute investment advice or an official document.
Plans and access
Understanding your account and your plans
- Free, Premium, Ultra
- The three Noryo plans. Each one unlocks more accounts, analyses, and features. The details and prices are in the Subscription screen of the app.
- Guest mode
- A way to test Noryo without creating a full account, to discover the app before deciding.
- Support ID
- An identifier linked to your account, to be shared with a help request to speed up the handling.
- Display currency
- The currency in which your amounts are shown. It does not change your real accounts; transactions in foreign currencies are converted for reading.
These concepts come up right from registration and in your preferences. Keeping them in mind saves you plenty of hesitation when starting out.
A few more useful terms
Also worth knowing
What is a detected subscription?
A recurring expense that Noryo spots automatically, with a confidence score. The app alerts you to price increases and spots duplicates paid across several banks.
What is the financial calendar?
A monthly view that places your transactions, your manual expenses, and upcoming subscription debits on the right days.
What is a manual expense?
A cash or non bank expense that you add yourself, so your tracking stays complete.
With this vocabulary in mind, you're ready to tailor the app to your needs.
Move on to practice in just a few minutes.