How to see all your bank accounts in one place

You see all your bank accounts in one place by connecting every supported account to a budgeting app that uses PSD2 open banking, and adding the rest manually. After that, the connected accounts report in automatically: balances and transactions from all your banks land in one view, without logging in to each bank app separately. Bilance is built for exactly this. It is the budgeting app built for European banks — it connects all your accounts automatically and does the categorising for you, across 2,300+ banks in the EU and EEA (find yours).

How it works

1. Pick a bank in Bilance and approve read-only access at your own bank (its app or website). Bilance never sees your login; the full mechanics are in how bank sync works.
2. Repeat for each bank. A current account here, a savings account there, a card account somewhere else: each one takes a few minutes. Later, your bank will sometimes ask you to confirm access again — the EU rules require this at least every 180 days.
3. From then on, the connected accounts sync automatically. One list of accounts, one combined transaction feed, categorised for you.

Accounts that cannot be connected (cash, or a bank without open-banking access) can be added as manual accounts, so the picture stays complete.

What one view actually gives you

Seeing everything together is not just convenient. It changes what you can know:

• Your real balance. Not the balance of whichever app you opened, but the total across every account.
• Your real spending. Categorised reports cover all accounts, so spending split across two banks and a credit card still adds up to one honest number per category.
• Your recurring costs. Bilance looks for subscriptions and bills across all connected accounts, not just the one they happen to be paid from, and you can correct or add anything it misses.
• Your net worth (everything you own minus what you owe). Assets and debts from every account, in one figure at a glance. One view is what makes a real net worth tracker possible.

Accounts in two countries

Many people have accounts in more than one country: you moved for work, kept the account back home, or your salary and savings live in different places. This is where one view helps most, and where an important limit should be stated plainly.

Bilance is available in all EU and EEA countries, and you can connect banks from more than one country to the same Bilance account. An account in Italy and an account in Estonia sit side by side in the same list, and both feed the same reports.

What Bilance gives you across countries is visibility only. We never move money. The access is read-only by design under PSD2, so seeing your accounts together never means an app can transfer between them. For sending money between countries you still use your bank; Bilance shows you the complete picture.

What to check in any app that offers this

• Bank coverage. One view only works if your banks are on the list. Check the app’s published bank list for your country before anything else (ours is at /banks, dated and generated from production data).
• Read-only PSD2 access. You should approve each connection at your own bank and never type your bank password into the app. Why this matters is in is it safe to connect a budgeting app to your bank?
• Automatic categorisation. A combined feed from five accounts is only useful if the app sorts it for you. Sorting it by hand adds permanent upkeep, so check that the categorising is automatic.

Connect your first bank, then the second. The moment two banks report into one screen is usually the moment you stop needing a spreadsheet.