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Bilance vs Fintonic
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Perustajajäsen ja toimitusjohtaja ·
Fintonic and Bilance run on different business models: Fintonic is a free Spanish finance app that earns commissions when users take loans or insurance through it, while Bilance is a subscription budgeting app built for banks across the EU/EEA. Fintonic is a strong choice if your money lives in mainstream Spanish banks and you want a free overview plus a credit score. Bilance covers 2,300+ banks across the EU/EEA, finds your subscriptions automatically and answers questions about your own numbers in AI Chat. We make Bilance; each fact below carries a link to an official page, checked on the date above.
What Fintonic does well
Fintonic, from Madrid, has been aggregating Spanish bank accounts since 2012:
- Free, with bank sync included. There is no subscription and no bank-sync paywall. Fintonic earns money when users contract loans, insurance or other partner products through the app, and it says it does not sell personal or banking data.
- Its own regulated connection. Accounts are aggregated by Fintonic’s own entity, authorised by the Banco de España for account-information services. The connection is read-only: it cannot move money.
- FinScore. A free credit score built from your account data. For Spanish users planning to borrow, this is genuinely useful, and since June 2026 a ChatGPT app can estimate it and simulate loans.
- A large Spanish user base. 4.3/5 from 26,000 ratings on the Spanish App Store and 4.0/5 from about 80,000 Google Play reviews.
- Alerts and web access. Alerts for duplicate charges, fees, overdrafts and upcoming renewals, usable from the web as well as iOS and Android.
Where Bilance is stronger
- Coverage beyond Spain. Fintonic’s supported list names 24 Spanish banks and card issuers; Revolut and Trade Republic are not on it. Bilance publishes 2,300+ banks across the EU/EEA, browsable by country before you install anything.
- Fresher data. Fintonic updates accounts once a day, normally overnight, with a manual refresh available. Bilance refreshes your accounts automatically every time you open the app.
- Your own categories. Fintonic categorises automatically, but its help centre says custom categories cannot be created; you attach notes instead. Bilance lets you build your own categories and subcategories, and it categorises most transactions automatically, improving as you correct it.
- Subscriptions found for you. Bilance detects recurring payments in your transactions and tracks each one on its own screen, with the date, the amount and whether it was paid. Fintonic offers bill and renewal alerts; we could not verify a dedicated, automatically detected subscription list.
- Built for two people. Bilance has a shared view for couples covering the accounts each partner chooses. We found no published sharing features in Fintonic.
- A product you pay for directly. Bilance is funded by its subscription, and most new users start with a full-featured trial; the exact terms are shown in the app before you pay. Some recent Google Play reviews say Fintonic now leans heavily toward loan offers. That is a review theme, not a measured fact.
How we tested
We compared Bilance and Fintonic across bank coverage, sync behaviour, categorisation, recurring payments, sharing, platforms and pricing model. Every non-Bilance fact comes from the vendor’s own website, help centre, legal documents or app store listing, opened on the date shown with each source link. Where we could not verify a point, the table shows a dash instead of a guess; a dash means not verified from the vendor’s published pages, not proven absence. Bilance behaviour was checked in the current product. We did not run hands-on device tests of Fintonic for this article. The verdict is our editorial judgment, not a scored ranking, and we recheck the facts every two months.
Side by side
| Bilance | Fintonic | |
|---|---|---|
| Pricing model | Paid; no permanent free tier [1] | Free (marketplace-funded) [1] |
| Free trial | Most new users start with a full-featured trial; the exact terms are shown in the app before you pay | Not applicable — no paid consumer plan advertised [1] [2] |
| European bank sync | 2,300+ banks across the EU/EEA [1] | Spain [1] |
| Connection providers | GoCardless, Enable Banking (read-only) [1] | Own Banco de España-authorised aggregator (read-only) [1] [2] |
| Automatic categorisation | Yes — most transactions, learns | Yes; custom categories not possible [1] [2] |
| Subscriptions & recurring | Yes — automatic detection | Alerts for bills and upcoming renewals [1] |
| AI assistant | Yes — AI Chat built in; ask about your own money | No — none published for your accounts [1] [2] |
| Budgets | Yes — monthly, per category | Category spending forecasts [1] |
| Sharing for couples | Two people, chosen bank accounts | — |
| Platforms | iOS, Android [1] | iOS, Android, web [1] [2] [3] |
Both connections are read-only, and both apps depend on each bank’s own interface quality, so sync reliability varies by bank for both.
Switching from Fintonic
We could not find a self-service export in Fintonic’s current help centre. Its privacy policy covers receiving your movement history through a GDPR data-portability request. If you receive CSV files, Bilance imports them into a dedicated import account, recognising the columns automatically and matching category labels onto your own categories. For everything current, the simpler path is direct: connect your banks in Bilance and recent transactions sync in, most of them categorised automatically; how far back the history reaches depends on each bank.
Which one is for you?
Choose Fintonic if all your accounts are with mainstream Spanish banks, you want a free overview of them, or you are planning to borrow and would use FinScore and its loan marketplace.
Choose Bilance if your money is spread across more than one country or includes banks Fintonic does not list, you want subscriptions detected for you rather than alerted about, you budget together with a partner, or you prefer an app you pay for directly.
Frequently asked questions
Is Fintonic really free?
Yes. Fintonic has no consumer subscription and no bank-sync paywall. It earns commissions when users contract loans, insurance or other partner products through the app, and it says it does not sell personal or banking data. Bilance takes the opposite route: one paid subscription.
Does Fintonic work outside Spain?
Its published bank list covers Spanish banks and card issuers only, so it is a Spain-focused service. If some of your accounts are in another EU/EEA country, or with apps like Revolut, you would need a tool with wider coverage, such as Bilance.
Can I move my Fintonic data into Bilance?
Fintonic has no self-service export that we could verify, but you can request your transaction history under GDPR data portability; ask Fintonic what format you will receive. If you get CSV files, they can be uploaded to Bilance, which recognises the columns and matches category labels onto your own categories. Ongoing data syncs in directly from your connected banks.
Which app finds subscriptions automatically?
Bilance detects recurring payments in your synced transactions and suggests them; once you confirm, each is tracked with its amount, next date and paid status. Fintonic advertises alerts for bills and upcoming renewals, but we could not verify a dedicated automatic subscription list.
For the wider field, see the best budgeting apps in Europe.
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