Blog
Practical guides on budgeting, bank connections and money habits across Europe — written by the people building Bilance.
Comparisons
Best budgeting apps in Europe (2026)
The best budgeting apps that work with European banks, compared: Bilance, Wallet, Spendee, YNAB, Buddy and more. Open criteria, sourced facts, updated dates.
· 7 min read
Comparisons
Can you use Monarch or Copilot in Europe?
Monarch Money is available in the US and Canada only, and Copilot Money in the US only. What that means for European users, with sources.
· 3 min read
Comparisons
Bilance vs Fintonic
Bilance and Fintonic compared for European users: bank coverage, sync frequency, categorisation, recurring payments, sharing and how each app makes money.
· 5 min read
Comparisons
Bilance vs Finanzguru
Bilance and Finanzguru compared side by side for European users: bank coverage, contract and subscription tracking, budgets, sharing, languages and pricing models.
· 5 min read
Comparisons
Bilance vs Bankin'
Bilance and Bankin' compared side by side for European users: bank coverage, business model, categorisation, recurring payments, sharing and what each subscription includes.
· 5 min read
Comparisons
Bilance vs Monefy
Bilance and Monefy compared side by side for European users: automatic bank sync versus manual entry, categorisation, recurring payments, sharing, platforms and pricing models.
· 5 min read
Comparisons
Bilance vs Toshl
Bilance and Toshl Finance compared side by side for European users: bank sync, categorisation, recurring payments, sharing, platforms and pricing models.
· 5 min read
Comparisons
Bilance vs MoneyWiz
Bilance and MoneyWiz compared side by side for European users: bank sync, categorisation, recurring payments, sharing, platforms and pricing models.
· 6 min read
Comparisons
Bilance vs Actual Budget
Bilance and Actual Budget compared side by side for European users: bank sync, self-hosting, categorisation, recurring payments, sharing, platforms and pricing models.
· 5 min read
Comparisons
Bilance vs Buddy
Bilance and Buddy compared side by side for European users: bank coverage transparency, automation, shared budgets, platforms and pricing models.
· 5 min read
Comparisons
Bilance vs Spendee
Bilance and Spendee compared side by side for European users: bank coverage, automatic categorisation, recurring payments, shared wallets and pricing models.
· 5 min read
Comparisons
Bilance vs YNAB
Bilance and YNAB solve different problems: automatic tracking across European banks versus a strict zero-based budgeting method. Compared side by side, with sources.
· 5 min read
Comparisons
YNAB alternatives for Europe
Why people leave YNAB in Europe and what to choose instead: bank coverage, euro pricing, automation. The realistic alternatives compared, with sources.
· 4 min read
Comparisons
Bilance vs Wallet by BudgetBakers
Bilance and Wallet by BudgetBakers compared side by side for European users: bank sync, categorisation, recurring payments, sharing, platforms and pricing models.
· 5 min read
Comparisons
Monarch Money and Copilot alternatives for Europe
Monarch Money serves only the US and Canada, and Copilot Money only the US. What Europeans can use instead, compared with sources.
· 4 min read
Comparisons
Mint alternatives for Europe
Mint is gone and its replacement never worked in Europe. What Europeans can use instead for automatic spending tracking, compared with sources.
· 4 min read
Banking & safety
Does Bilance work in Italy? Banks, language, setup
Yes — Bilance works in Italy, with hundreds of Italian banks connectable through PSD2, the app available in Italian, and a short setup per bank. The full Italian bank list, linked.
· 3 min read
Banking & safety
Tracking spending across Italian banks
How to track spending when your money is spread across several Italian banks and cards: one automatic view, categorised in euros, without exporting statements.
· 3 min read
Budgeting
Budgeting apps for couples: 4 features that matter
Learn the four features to check in a couples budgeting app, then see how Bilance Shared Finances handles account sharing, private accounts and combined spending.
· 3 min read
Budgeting
15-minute monthly budget review: 4-step checklist
Use a four-step, 15-minute monthly review to check spending, recurring payments, net worth and budgets, then choose one change for the next month.
· 3 min read
Banking & safety
How automatic transaction categorisation works
See how automatic transaction categorisation uses bank sync and corrections, and what to check about custom categories, privacy and how the app is funded.
· 3 min read
Budgeting
Spreadsheet vs budgeting app: when to switch
Compare the maintenance, flexibility and cost of a spreadsheet and a budgeting app. Get a four-step plan for switching without losing trusted categories or your spreadsheet history.
· 3 min read
Banking & safety
How to see all your bank accounts in one place
Connect every supported account through PSD2 open banking and see balances and transactions from all your banks in one view — including accounts in two countries.
· 3 min read
Budgeting
Bank app vs budgeting app: when each is enough
Compare a bank app with a dedicated budgeting app across account coverage, categories, budgets, recurring payments and household views. See when the bank app may be enough.
· 3 min read
Banking & safety
What can a budgeting app actually see? PSD2 in plain words
PSD2 explained without jargon: the EU rules behind bank connections, what data a budgeting app can and cannot access, who supervises it, and how the time limits work.
· 4 min read
Banking & safety
How bank sync works in Bilance: what it can see
Learn how Bilance connects to your bank, what its read-only access can and cannot see, and how to stop syncing or delete the connection.
· 3 min read
Banking & safety
Is it safe to connect a budgeting app to your bank?
Yes — when the app uses read-only PSD2 access through regulated providers. What actually happens when you connect, what can and cannot go wrong, and what to check in any budgeting app.
· 4 min read
Banking & safety
What to Do With a Spiir Export After the Shutdown
New Spiir exports are no longer available. If you saved a CSV, JSON or ZIP file before 8 June 2026, here is what to do with it.
· 3 min read
Comparisons
Spiir alternative: data export after closure
Check your Spiir export options, import a saved Spiir CSV into Bilance, and start again with connected bank accounts.
· 3 min read