Spendee Review (2026)
Spendee is a Czech spending tracker built around wallets: separate pots for cash, bank accounts, e-wallets and crypto, each with its own budgets and currency. It suits travelers and people who handle more than one currency. Bank sync costs $5.99 a month or $35.99 a year; the cheaper Plus plan is manual entry only.
By Wealthy Pot Editorial · Facts checked October 18, 2026
Facts checked October 18, 2026 against Spendee's own pricing, help and policy pages (5 sources, listed below). We re-check prices about once a month. We do not earn a commission from Spendee.
Spendee at a glance
| Free plan | Yes: 1 cash wallet and 1 budget, no bank sync [1] |
|---|---|
| Plus | $1.99 a month or $14.99 a year: unlimited wallets and budgets, shared wallets, no bank sync [1] |
| Premium | $5.99 a month or $35.99 a year: adds bank sync and automatic categorization [1] |
| Free trial | 7 days on every paid plan [1] |
| Platforms | iPhone, Android and a web app; budgets work on the phone apps only [1] |
| Bank connections | Salt Edge and Plaid; Spendee says over 2,500 providers worldwide, including the US [2] |
| Other accounts | E-wallets and crypto wallets [3] |
| File import / export | Listed on all plans (formats not stated on the pricing page) [1] |
| Currencies | Multiple currencies [3] |
| Company | SPENDEE a.s., Prague, Czech Republic [5] |
App-store ratings (as of June 2026): App Store 4.6★ from 6.2k ratings; Google Play 4.3★ from 63k ratings. Store ratings mix many app versions and are not our verdict.
What Spendee costs
| Plan | Paying monthly, 1 year | Annual plan, 1 year | 3 years (cheapest way) | Annual plan saves |
|---|---|---|---|---|
| Free | $0 | - | $0 | - |
| Plusno bank sync | $23.88 | $14.99 | $44.97 | $8.89 (37%) |
| Premiumincludes bank sync | $71.88 | $35.99 | $107.97 | $35.89 (50%) |
Our arithmetic from the listed prices, before sales tax, assuming today's prices hold; subscriptions can renew at a different rate. Spendee says prices can differ by country. Only Premium connects to banks; Plus looks cheap but is manual entry. Paid on the yearly plan, Premium works out to about $3 a month.
How Spendee works
Everything in Spendee lives in a wallet. You might keep one for cash, one for your checking account, one for a trip abroad in euros and one for a crypto wallet. You add spending by hand, or on Premium link a bank so transactions arrive and are categorized automatically.
Budgets sit on top of wallets and categories, and Spendee shows how much you can spend each day to stay on track. A hypothetical trip budget: you set $900 for a 10-day trip, so Spendee shows about $90 a day. Spend $150 on day one and the remaining daily figure drops to $83 for the other nine days.
On Plus and Premium you can share a wallet with a partner, roommates or travel companions, and Spendee shows who paid what.
Pros
- Wallets make it easy to separate trips, cash and accounts
- Multiple currencies, plus e-wallets and crypto
- Low prices, with a 7-day trial on paid plans
- Shared wallets show who paid what
Cons
- Bank sync needs Premium, not the cheaper Plus plan
- Free plan allows one cash wallet and one budget
- Budgets are not on the web app
- Prices can vary by country
Who Spendee fits, and who should skip it
A good fit if
- You spend in more than one currency and want each trip or account in its own wallet.
- You want a cheap shared wallet for a household or group and do not mind manual entry.
- You also want e-wallets or crypto wallets in the same view.
Look elsewhere if
- You want detailed budgeting on a computer: Spendee budgets are on phones only. YNAB works on the web.
- You want strong US bank sync with net worth and investments: Monarch Money is US-focused.
- You want a free multi-currency tracker with a fuller free plan: Wallet by BudgetBakers is the closest match.
Limitations to know
- The free plan has one cash wallet and one budget, with no bank sync or automatic categorization. [1]
- Plus ($1.99 a month) does not include bank sync; only Premium does. [1]
- Budgets are available on iOS and Android only; Spendee says they are "coming to web soon". [1]
Spendee compared with alternatives
| App | Price | Free plan | Bank sync | Platforms | Method |
|---|---|---|---|---|---|
| Spendee | Free (1 wallet); Plus $1.99/mo · $14.99/yr (no bank sync); Premium with bank sync $5.99/mo · $35.99/yr | Yes | Premium only (Salt Edge, Plaid) | iOS, Android, Web | Category + tags |
| Wallet by BudgetBakers | Free (manual tracking); Premium with bank sync (price shown in the app; Lifetime option) | Yes | Premium only (own licensed connector) | iOS, Android, Web | Wallet + category |
| Goodbudget | Free (10 regular + 10 annual envelopes, 1 account, 2 devices); Premium $10/mo · $80/yr | Yes | Premium only (Plaid), US banks | iOS, Android, Web | Digital envelope (manual) |
| Monarch Money | No free tier; Core $14.99/mo · $99.99/yr; Plus $199/yr (US & Canada only) | No | Yes (Plaid, Finicity, MX) | iOS, Android, Web | Flexible / aggregation |
| Actual Budget | Free (self-host); hosting about $1.50/mo (PikaPods); US bank sync needs SimpleFIN ($15/yr) | Yes | Via SimpleFIN ($15/yr), US | Web, Desktop, Self-host | Envelope / zero-based, local-first |
- Pick Wallet by BudgetBakers if you want another multi-currency tracker with broad bank coverage outside the US.
- Pick Goodbudget if you want free shared envelopes and are happy to enter spending by hand.
- Pick Monarch Money if you are in the US and want automatic tracking with net worth and investments.
- Pick Actual Budget if you want a free, open-source budget and will import bank files.
Security and privacy
- Bank access is read-only and cannot start payments; Spendee says bank logins are not stored by Spendee, Salt Edge or Plaid. [4]
- Spendee says data is encrypted in transit and at rest and hosted on Google Cloud Platform. [2]
- You can lock the app with a 4-digit passcode, fingerprint or Face ID. [2]
- The privacy policy says Spendee does not pass personal data to third parties beyond its named processors, but it uses cookies for analytics and targeted advertising and has no explicit "do not sell" statement. The policy PDF is undated. [4]
Spendee FAQ
Is Spendee free?
Yes, with limits: one cash wallet and one budget, with no bank sync. Plus costs $1.99 a month or $14.99 a year, and Premium $5.99 a month or $35.99 a year.
Which Spendee plan has bank sync?
Only Premium. Plus adds unlimited wallets, budgets and sharing, but you still enter transactions by hand.
Does Spendee work with US banks?
Spendee lists the United States among the countries it connects to, through Salt Edge and Plaid, on the Premium plan.
Does Spendee have a web version?
Yes, at app.spendee.com, but budgets are available only in the iPhone and Android apps for now.
How we researched this review
We did not get paid or receive a free account for this page. We read Spendee's own pricing page, help center, security and privacy pages and app-store listing on October 18, 2026, quoted each fact from those pages, and link every one below. We did not run a long-term hands-on test, so we do not score the app; where a point rests on what the company says rather than something we can check, we attribute it to Spendee. Cost figures are our own arithmetic. We re-check prices and plans about once a month and log changes in the table above.
Sources
- Spendee, Pricing, checked October 18, 2026.
- Spendee, Bank connect, checked October 18, 2026.
- Spendee, Homepage, checked October 18, 2026.
- Spendee, Privacy policy (PDF), checked October 18, 2026.
- Spendee, About, checked October 18, 2026.
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This review is for general information, not financial advice. Prices and features change; check the vendor's site before you subscribe.