Bilance vs Spendee

Spendee is a clean, well-designed tracker with broad European bank coverage; Bilance goes further on automation. With Bilance, subscriptions and recurring bills are detected for you, net worth is built in, and connected bank accounts can be shared with a partner, which Spendee’s shared wallets cannot do. We make Bilance; every fact below comes from an official page, checked on the date above, so you can verify each one.

What Spendee does well

Spendee has been around since 2013 and its polish shows:

• Broad account types. Besides banks (2,500+ providers via Salt Edge and Plaid, with every EU country in its selector), Spendee connects e-wallets and crypto wallets. Bilance connects banks; other assets are tracked manually.
• File import and export. Spendee’s web app imports CSV and Excel files into cash wallets, and transactions can be exported, partly even on the free tier. Bilance exports CSV but has no file import at all.
• Guest-friendly shared wallets. The wallet owner pays; invited guests can use the free tier and still add and edit shared transactions. For simple shared manual expenses, that is a generous model.
• A published trial. Seven days for its paid plans, stated plainly on an official help page.

Where Bilance is stronger

• Automation depth. Spendee’s automatic categorisation requires Premium, learns after roughly 4 to 5 corrections by its own documentation, and does not work for banks connected through their direct APIs. Bilance categorises most transactions automatically and improves with your corrections.
• Recurring payments. Spendee’s scheduled transactions work only in manual cash wallets. Bilance detects subscriptions and repeated bills from your real bank transactions and tracks them on a dedicated screen: fixed costs visible, price increases noticed, forgotten charges found.
• Sharing real bank accounts. Spendee’s shared wallets cannot include connected bank wallets or budgets. Bilance’s Shared Finances shares the bank accounts you choose, so a couple sees real, automatic data together.
• Net worth. Spendee documents no dedicated net-worth feature. Bilance shows what you own minus what you owe, with bank balances updating automatically.
• Bank list you can check first. Bilance publishes 2,300+ banks across the EU/EEA, browsable by country before you install.

Side by side

Numbered links open the official page each claim was checked against (on 2026-08-12). A dash means we could not verify that point from the vendor's published pages.

On pricing models: Spendee has a free tier for manual tracking, with bank sync in Premium. Bilance has no permanent free tier; it is one paid subscription with everything included, and most new users start with a full-featured trial; the exact terms are shown in the app before you pay. Both apps’ sync depends on each bank’s own interface quality, so reliability varies by bank for both.

Which one is for you?

Choose Spendee if you want e-wallet and crypto connections next to your banks, you mostly track shared manual expenses with someone on the free tier, or you want a light, visual tracker and are happy scheduling repeated payments yourself.

Choose Bilance if you want the app to do the work: categorisation that improves with your corrections, subscriptions found automatically, net worth built in, and real bank accounts shared with your partner.

For the wider field, see the best budgeting apps in Europe.