Best budgeting apps in Europe (2026)

Mint, the app that topped every list for years, shut down in 2024. Its strength was connecting to your bank and categorising transactions for you, and it worked because in the US most banks sit behind the same aggregator.

Europe does not work like that. There are thousands of institutions, the connection runs through PSD2 and coverage is patchy: an app may read your main bank and miss the account you opened in another country. If you work abroad, get paid in another currency or hold accounts in two places, that model breaks exactly where you need it most.

Currencies. It is not just the euro. If you live in Poland, Sweden, Denmark, Czechia, Hungary, Romania, Switzerland or the UK, your daily life is not in euros. And if you move, get paid abroad or send money home, you need to see two or three currencies at once without doing the maths yourself.

Language. An app in English is usable, but it is used less. Categories, alerts and reminders in your own language change how long you stick with it, which is ultimately the only thing that decides whether it works.

Data. The GDPR gives you concrete rights: to know what is stored, to have it deleted, to take it with you. A European app has that sorted because it has to. A US one may comply, but that is worth checking before you sign up, not after.

Neto. Spanish, for iOS and Android. It works without connecting your bank: you log entries yourself, and in exchange you hand credentials to nobody. It adds up spending, savings, debts and investments (crypto and stocks with up-to-date prices) and shows you the net worth that comes out of all of it. It ships in 6 languages and handles 62 currencies, with the total converted to whichever you pick. Free to start. The downside: logging is manual (with PRO, Apple Pay or Google Wallet payments log themselves), and if you want it to read your bank, this is not it.

YNAB. The give-every-euro-a-job method, very well executed. Huge community and plenty of material to learn from. The downside for Europe: it is paid from day one, bank connection outside the US and UK is weak, and the learning curve is real.

Monefy. Extremely fast logging, three taps. Perfect if all you want is to know where the month went. The downside: it runs out of road as soon as you want goal based saving or investments.

Wallet (BudgetBakers). Czech, with bank connection and decent European coverage. The downside: the free tier runs out quickly and the paid plan climbs.

Actual Budget. Open source and you can self host it, which is as private as it gets. The downside: you have to set it up, and that rules a lot of people out.

In both countries the budgeting tool most people already have is their bank's app, and that changes the comparison.

• Your bank's app (Netherlands). ING, ABN AMRO and the Rabo App let you set monthly budgets by category for free inside the app. ABN AMRO closed its separate Grip app in December 2022 and moved its features into the main app. The catch: they mainly see your accounts at that bank.
• Dyme (Netherlands). Connects your Dutch bank accounts through PSD2 (ING, ABN AMRO, Rabobank, bunq, SNS, ASN, RegioBank and Triodos) and sorts your spending for you. The basic tier is free; budgets need the Gold plan, €12.99 a month or €69.99 a year on the Dutch App Store (checked 12 October 2026).
• bunq (Netherlands). A bank with budgeting built in: spending insights by category and sub-accounts to split your money. Paid plans start at €3.99 a month, and the budgeting tools sit in Pro, €9.99 a month.
• Belgium. KBC Mobile and the BNP Paribas Fortis Easy Banking App can show accounts you hold at other banks, which is why many Belgians never install a separate app. Their budget tools are more limited: according to Test-Aankoop (January 2025), KBC's categories do not include transactions from other banks. Independent apps with Dutch and French, such as Spendee, Wallet and Buddy, fill that gap.

Where Neto fits: if you would rather not link a bank, or you want one number for your net worth across several banks, brokers and currencies, Neto does that without asking for your bank login. It is in English and French, but not in Dutch, so Dutch speakers who want their own language will be more comfortable with Dyme, bunq or their bank's app.

• If you move between currencies, check first how many the app supports and whether it converts the total. It is the most overlooked part.
• If privacy matters to you, the question is not what the app promises but what it needs in order to work: one that never asks for your bank cannot leak what it does not hold.
• If you have never lasted more than two weeks, pick the fastest to use, not the most complete.
• If you hold investments, check they feed the same number as your spending. One app per thing means two incomplete pictures.

Neto is built from Europe and for Europe: 6 languages (English, Spanish, German, French, Italian and Brazilian Portuguese), 62 currencies, data under the GDPR and no bank connection at all. More than 17,000 people use it in 124 countries.

What it does: spending and income by category, budgets, savings goals, debts, crypto and stock investments with up-to-date prices, several accounts in several currencies, and your net worth (what you own minus what you owe), always up to date.

What it does not: it does not connect to your bank, it does not execute orders, it is not a broker and it gives no investment advice. It is a personal finance app that reads public prices so you can see your picture up to date.