Fintonic is Spain's best-known personal finance app: it connects your bank accounts, categorises transactions and is free. People look for an alternative for one of three reasons: they do not want to give an app access to their bank, they want to know how much they will have left at the end of the month (not just what they already spent), or they prefer an app without financial product offers.
Fintonic and Xpenses, point by point
| Fintonic | Xpenses | |
|---|---|---|
| How data gets in | By connecting your banks | You add your recurring bills and income once |
| Bank passwords | Needed to connect | Never asked for |
| Focus | What you have spent, by category | What you will have left at month end, per account and day by day |
| Financial products | Offers and compares products such as loans and insurance | Does not sell or recommend financial products |
| Price | Free | Free with one account; Pro €2.99/month or €24.99/year |
When Fintonic is the better fit
If you want to see every transaction without typing anything and are happy to connect your banks, Fintonic does that well and at no cost.
When Xpenses is the better fit
- You want to know whether you will make it to the end of the month before it ends.
- You would rather not give any app your bank passwords.
- You never want to forget a bill: a reminder on the day it is due, and one tap to mark it paid.
- You manage money as a couple: Xpenses Pro lets you share a wallet.
Sources
Fintonic details from lasfinanzaspersonales.org and Financer, checked in October 2026. Check their website for current terms.