Wallet, by the Czech company BudgetBakers, is one of Europe's most complete finance apps: thousands of connected banks, multiple currencies, planned payments and shared accounts. Xpenses deliberately does less: a clear month-end forecast and bills you never forget.
Comparison
| Wallet | Xpenses | |
|---|---|---|
| Bank connection | Yes, 5,000+ European banks (via Salt Edge) | No: manual data, no passwords |
| Planned payments | Yes | Yes: recurring every 1 to 12 months, with a due day |
| Shared accounts | Yes | Yes (Pro) |
| Multiple currencies | Yes | One currency per user |
| Learning curve | Many features | Learnt in two minutes |
| Price | Premium from about €5 a month, with yearly and lifetime plans | Free with one account; Pro €2.99/month or €24.99/year |
Which one to choose
If you need several currencies, bank sync and detailed reports, Wallet is more complete. If you want something simple that tells you what you will have left and reminds you of bills, without connecting your bank, choose Xpenses.
Sources
Wallet features and prices from Finny, Finder and cashual.es, October 2026. Prices may vary by country.