Fintonic alternatives (2026): two paths

What Fintonic is today

Fintonic is a bank aggregator: you link your accounts and the app reads your transactions (it's authorised by the Bank of Spain to provide account information services, registration number 6935). It's free, and the app itself isn't the business: it makes money comparing loans from over 40 lenders, showing you insurance offers and through its FinScore, a creditworthiness score it calculates from your accounts. It estimates how much you'll spend this month per category, but it doesn't project your future balance. And it's leaning further in: since the October 2026 update, the app's home screen is built around the FinScore, with a CreditBuilder section that tells you how to raise it.

A lot of people leave for the same reasons: connections that keep dropping, transactions that suddenly disappear, and the feeling that the app is more interested in selling you a loan than in helping you save.

Path 1: without linking your bank

If what you don't like about Fintonic is precisely the bank link, these apps don't ask for your login. The classic downside was having to type everything by hand; today several import the statement you download from your bank's website, and some read it directly on your device. We go into detail in budgeting apps without bank linking.

• Cuéntamo. Enter things by hand, import your statement (CSV, Excel or ODS) or use Habeas, an extension that reads your transactions in your own browser. What sets it apart is the forecast: from your salary and your bills it projects each account's balance months ahead (6 months free, 5 years on Cuéntamo Más) and warns you before you go into the red. It also adds expense splitting and debts, net worth and, for the self-employed in Spain, VAT and income tax. It makes money from subscriptions, not from your data.
• Bluecoins. A veteran, available in Spanish, that imports CSV and QIF and on Android can read your bank's notifications. Future projection on its Premium plan.
• Money Pro. Imports OFX and CSV and has a projected balance report. Bank linking exists, but only on its most expensive plan.
• Aurio. A recent Spanish app for iPhone and the web. It doesn't make you link your bank: you log by hand, import your statement (CSV, Excel, PDF, Norma 43 or OFX) or scan the receipt. It adds expense splitting, net worth and a VAT and income tax view for the self-employed; the balance forecast, at 30, 60 and 90 days, is on Premium (€5.99/month or €49.99/year).
• Neto, Dinerio and Cashual. Spanish apps focused on manual tracking (Neto also reads receipt photos on its PRO plan); Neto and Dinerio put the spotlight on your net worth.
• Actual Budget. Open source and free if you host it yourself; it imports almost any format, and bank linking is optional and experimental. It's envelope budgeting and its Spanish translation is only partly done.

Path 2: keep linking your bank

If what you like about Fintonic is transactions coming in on their own, these are the options. Almost all of them charge for the connection, which is precisely what frees them from having to sell you financial products. Before you pay for it, bear in mind that Cuéntamo also brings in your transactions without typing with Habeas, without giving your login to anyone and on the free plan too.

• Spendee. Spain is on its list of countries with supported banks. Sync is on Premium (€6.99/month or €39.99/year on the Spanish App Store). Phone only: its web version is announced as "coming soon".
• Wallet (BudgetBakers). Bank sync on Premium, with thousands of institutions, although it doesn't publish the list by country: check your bank is there before paying. Without Premium it works by hand or importing CSV, XLS or OFX.
• MoneyWiz. Bank linking on Premium (€6.99/month or €69.99/year on the Spanish App Store), for iPhone, iPad and Mac.
• Your bank's app. BBVA and CaixaBank let you add accounts from other banks inside their own app. Handy if you're already a customer, but then it's your bank that sees everything.

Two that appear on many lists and no longer fit: Goin has become a savings, crypto and cashback app, not a spending tracker; and Banktrack's pricing page only has plans for businesses (from €59/month).