Keeping your personal finances in check is easier than ever with today’s range of digital tools. But when it comes to expense tracking in Europe, not every app is built with European banks, currencies, or privacy laws in mind. In this article, we compare some of the best expense tracking apps designed for European users, taking into account bank integration, multi-currency support, and GDPR compliance.
Top Expense Tracking Apps in Europe (2025)
| App | Country Focus | Key Features | Advantages | Disadvantages |
|---|---|---|---|---|
| Wallet (by BudgetBakers) | Pan-European | Bank sync, budget goals, receipt uploads, family sharing | Supports EU banks, great UI, visual budgeting | Some features locked behind Premium |
| Spendee | Czech Republic / EU | Shared wallets, multi-currency support, EU bank syncing, spending graphs | GDPR-compliant, strong visual tools, excellent for joint budgets | Budgeting features less advanced than YNAB |
| Emma | UK/EU | Real-time bank aggregation, subscription tracker, cashback, category insights | Connects with major UK/EU banks, open banking-based | Free plan is limited |
| Moneyhub | UK | FCA-registered, open banking access, goal-based planning, pensions integration | Secure, very detailed tracking and projections | Mainly UK-focused (though usable in EU) |
| YNAB (You Need a Budget) | International | Zero-based budgeting, goal setting, deep financial education content | Best for disciplined budgeting, cross-platform | Requires manual input or bank sync via third parties |
| Fudget | Global | Simple lists, no categories, one-time purchase option | Ultra-light, perfect for minimalists, no subscription needed | No automation, no syncing |
Which App is Best for You?
- 💡 Casual users or couples might love Spendee for its shared wallets and design.
- 💡 Power users wanting full control may prefer YNAB or Moneyhub.
- 💡 Minimalists who just want a fast, no-frills solution can try Fudget.
Bonus: What to Look For in a European Expense Tracker
- Open banking integration with EU/UK banks
- GDPR compliance
- Multi-currency support, especially for frequent travelers or expats
- Export options (CSV, Excel) for accountants or tax reporting
Final Thoughts
Choosing the right app depends on your budgeting style, security preferences, and bank compatibility. For European users, apps like Wallet, Emma, and Spendee strike the best balance between usability and bank syncing, while YNAB offers unmatched budgeting depth—if you’re willing to put in the work.
