Mint Alternatives in Europe: What Actually Works Here

If you're in Europe and looking for a Mint replacement, the short answer is that your choice splits in two directions. Either you want bank sync, in which case Wallet by BudgetBakers is the most sensible European pick and PocketSmith the most powerful, or you'd rather not hand over bank credentials at all, in which case Portofelo (ours), Monefy or Spendee are the manual-first options. Nearly every "best Mint alternatives" list you'll find is written for Americans, built around Plaid, US banks and USD pricing, and half the apps on those lists either don't connect to European banks or aren't available here at all.

All prices checked August 2026. I've noted the currency each company actually publishes in, because that's a useful signal in itself: if a budgeting app quotes you USD, you're probably not its primary market.

The two kinds of Mint alternative

Mint did two things at once. It pulled your transactions in automatically, and it showed you what you'd spent. Most people replacing it only think about the first part, then discover that automatic bank feeds in Europe are a different animal than they were in the US.

In Europe, bank connections run through PSD2 open banking rather than screen-scraping. That's better for security and worse for coverage. Support varies bank by bank, connections need re-authorising every 90 days by regulation, and smaller or regional banks are frequently missing entirely. An app can honestly advertise "European bank sync" and still not support your specific bank.

So the real first question isn't which app is best. It's whether you want a bank connection at all.

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# Bank-sync apps (PSD2)

Wallet by BudgetBakers

Wallet is a Czech app, which matters more than it sounds. It was built for European banking from the start rather than retrofitted for it, and its PSD2 coverage across European institutions is the best of anything I've tested. It syncs, categorises, handles multiple currencies properly, and has a genuinely usable web app alongside mobile.

What it does best is breadth. Multiple currencies, shared accounts, budgets, and a bank connection list that actually includes mid-sized European banks instead of just the big five in each country.

What annoyed me: the interface is dense. There are a lot of features competing for space and the learning curve is real. I also found the free tier tight enough that you're pushed toward Premium fairly quickly if you have more than a couple of accounts.

Pricing runs around €4.49/month with a discount for annual billing, and they periodically offer a lifetime purchase. Pricing has moved around over the years, so check their site before committing.

Pick Wallet if you want bank sync, you're in Europe, and you want one app that handles multiple currencies and multiple accounts without fighting you.

PocketSmith

PocketSmith is the most genuinely powerful app in this list and it isn't close. Its distinguishing feature is forward projection: it will model your balances months or years ahead based on your scheduled income and expenses. Nothing else here does that properly.

What it does best is planning rather than tracking. If you have irregular income, multiple accounts, or you're trying to answer "can I afford this in March," it's the only tool on this list built for that question. It's a New Zealand company, and its multi-currency handling is good.

What annoyed me: it's priced in USD and it isn't cheap. The free tier gives you two accounts, twelve budgets and six months of projection, which is a fair trial but not a long-term home. The interface is spreadsheet-adjacent and clearly aimed at people who like that.

Paid plans are Foundation at $9.99/month billed annually, Flourish at $16.66/month, and Fortune at $26.66/month. Monthly billing costs substantially more.

Pick PocketSmith if you want to forecast rather than just record, and you'll actually use the projection features you're paying for.

Finary

Finary is French, and it's aimed at a different problem than the rest of this list. It's a net worth and wealth tracker first, a budgeting app second. It pulls in bank accounts, investments, crypto and property to show you one consolidated picture.

What it does best is aggregation across asset types. If your money is spread across accounts, brokerages and a pension, Finary is the only app here that gives you a single honest total. It's also properly European, priced in euros, and the free tier is usable rather than decorative.

What annoyed me: it's not really a spending tracker. If your question is "why did I spend €480 on groceries," this isn't the tool. Budget management sits on the Plus tier, and Plus is €149.99/year, which is a lot to pay for budgeting features that cheaper apps do better.

Free forever with two account connections and two goals. Lite is €54.99/year, Plus €149.99/year, Pro €349.99/year.

Pick Finary if you have investments and assets scattered across providers and you care more about net worth than about grocery categories.

YNAB

I want to be fair here, because YNAB earns its reputation. It isn't really a tracking app, it's a budgeting method with software attached, and the method genuinely changes how people handle money. Its zero-based approach, where every euro gets assigned a job before you spend it, is the single most effective budgeting system I've used personally.

What it does best is teaching. The education around the product is excellent and the community is unusually good. People who stick with YNAB tend to fix their finances.

What annoyed me, as a European: the bank sync story here is much weaker than in the US, so many European users end up importing files or entering transactions manually. At $14.99/month or $109/year, paying that much to do manual entry is a hard sell. It's also USD-priced, which tells you where the company's attention is.

There's a 34-day free trial with no card required, and students get a year free with a valid .edu address.

Pick YNAB if the method is what you're missing and you'll pay for the discipline. If you're mainly leaving Mint because you want automatic imports, this will disappoint you in Europe. I've written more about cheaper ways to get the same method.

Spendee

Spendee sits between the two camps. It's another Czech app, it offers bank connections on its paid tiers, and it's probably the best-looking app in this roundup. Shared wallets are its standout feature: two people can track a joint budget properly, which most apps here handle badly or not at all.

What it does best is shared budgets and visual clarity. The charts are genuinely readable rather than decorative.

What annoyed me: bank sync is gated behind the higher tier, and the free version is limited enough that it functions mostly as a demo. Pricing also varies by region, so what you see may not match what I saw.

As of August 2026, Spendee's help centre lists Plus at $14.99/year and Premium at $35.99/year, with the free Basic plan below them. Third-party sites quote different figures, which usually means regional pricing, so check in-app.

Pick Spendee if you're budgeting with a partner and you want it to look good enough that you'll actually open it.

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# Manual and offline apps (no bank connection)

Portofelo

Portofelo is ours, and it's where I'd send a Mint refugee first if you're willing to skip bank sync.

It's manual-first and genuinely offline, on iOS and Android. No bank connection, nothing to authorise, and everything lives in a local database on your phone — so it works with no internet at all, and your data doesn't depend on our servers existing.

The part we've put the most work into is receipt scanning. Point the camera at a receipt and it reads the individual line items, not just the total, then categorises them automatically. That's what turns "groceries, €480" into the actual answer: which €90 of it was snacks. Nothing else in this article does that at all — every other app here records the transaction, not the shopping.

The free tier is also the most generous in this comparison by a wide margin: unlimited budgets, unlimited accounts, unlimited transactions, local storage, and 50 AI receipt scans every month, at no cost and with no trial expiry. Pro is €2.99/month for encrypted cloud backup and sync, CSV export, unlimited scans and priority support — cheaper than every other paid tier here, and under a fifth of what YNAB charges.

Where it won't fit: there's no bank sync, by design, and no shared or couple budgets yet — so if you're managing money jointly with a partner, Spendee or Wallet do that better today.

Pick Portofelo if you'd rather not hand over bank credentials and you want your spending broken down by what you actually bought, rather than just what the total came to. It's here.

Monefy

Monefy is the fastest expense entry I've used. Open, tap a category, type a number, done. That's the whole pitch and it's a genuinely good one, because the app you'll actually use every day beats the sophisticated one you abandon in three weeks.

What it does best is speed and the circular category chart, which is more useful than it looks for spotting where money went.

What annoyed me: depth. Budgets are basic, reporting is thin, and syncing runs through your own Google Drive or Dropbox rather than a proper sync service, which works but feels held together with tape. It's on both iOS and Android, and cross-platform sync via cloud backup does work, including sharing with a partner.

Monefy's site describes a free core app with an optional upgrade unlocking unlimited accounts, recurring transactions and advanced filters, but doesn't publish a price. Pricing changes often here, so check the App Store or Play listing.

Pick Monefy if you want the lowest-friction way to record spending and you don't need budgets to be clever. If you like Monefy but want more depth, I've written a full comparison of the alternatives.

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Does YNAB work in Europe?

Yes, YNAB works in Europe, but with significant caveats. The app supports multiple currencies and you can use it from anywhere, so the budgeting method works fine. The weak point is automatic bank importing, which has much thinner coverage for European banks than for US ones, so many European users import files manually or enter transactions by hand.

That's a reasonable trade if you want the method. It's a poor one if you're switching from Mint specifically because you liked not having to type anything.

Do I have to link my bank account?

No. Manual and offline apps like Monefy, Bluecoins and Portofelo never touch your bank, and plenty of people prefer it that way. You trade automatic imports for privacy and for the awareness that comes from recording spending yourself.

There's a real argument that manual entry works better, and it isn't just a consolation prize for people who dislike open banking. Typing in a purchase makes you notice it. Automatic sync is convenient precisely because it's invisible, which is also its weakness: a lot of people with perfectly synced apps still have no idea where their money goes, because they never look. If you want the case for this in more detail, I've written about why tracking manually changes behaviour.

Is there a free Mint alternative in Europe?

Yes, several. Portofelo's free tier is the most complete — unlimited budgets, unlimited accounts and 50 AI receipt scans a month — while Monefy's core app is free, Spendee has a free Basic tier, Finary is free for two accounts, and PocketSmith's free plan covers two accounts and twelve budgets.

The honest caveat is that free tiers on sync-based apps tend to be tight, because bank connections cost the company money on every account. Free tends to go further on manual apps for exactly that reason.

What happened to Mint?

Intuit shut Mint down in early 2024 and pushed users toward Credit Karma, which is not a budgeting app in any meaningful sense. Mint had been free because it made money recommending financial products, a model that was always in tension with giving neutral advice.

Worth remembering when picking a replacement: an app you pay for has a clearer incentive to serve you than a free one monetising your data. That's part of why most serious alternatives now charge.

Which is best for European banks specifically?

Wallet by BudgetBakers has the strongest PSD2 coverage across European institutions in my testing, particularly for mid-sized and regional banks that other apps skip. Spendee is also solid, being built by another European company.

Before paying for anything, check the app's supported-banks list for your specific institution rather than trusting "supports European banks" on the marketing page. That claim can mean twelve banks or four hundred.

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The honest verdict

If you want Mint's automatic feeds and you're in Europe, Wallet by BudgetBakers is the closest thing that genuinely works here, and I'd start there before anything American.

If you want to forecast rather than record, pay for PocketSmith and use the projections, or don't bother paying at all.

If you have real assets spread across providers, Finary answers a question none of the others do.

If the whole bank-connection idea makes you uneasy, Portofelo is built for exactly that gap: free, fully offline, on both platforms, and the only app here that tells you what was actually in the shopping bags rather than just what the total came to.

If your question is really about countries rather than apps, I also built a cost of living comparison for Europe using Eurostat price levels and net wages for 27 countries.

And if none of this sticks, the tool was never the problem. Most budgets fail for reasons that have nothing to do with the software, which I've written about separately.