European Alternatives to YNAB
Looking for a European alternative to YNAB? YNAB is operated by You Need A Budget LLC from the United States, its privacy policy states that information from users elsewhere is transferred, processed and stored in the United States, and its terms are governed by the laws of the State of Utah.
The service is a USD subscription (USD 14.99 per month or USD 109 per year after a 34-day trial), and bank connections run through US providers such as Plaid and MX.
The European budgeting apps below are run by companies in Germany, France, the Czech Republic and the UK. They offer bank connections under PSD2 or Open Banking, category budgets and euro or pound pricing, and some keep data on your own device or on servers in Germany.
How we rank these tools — 4-step process
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1
European ownership, verified
The company is headquartered and incorporated in the EU, EEA, the UK, Switzerland or Israel, and processes customer data in Europe or Israel. A US parent company disqualifies a tool from this page regardless of where its servers are.
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2
Category fit and hands-on review
What the tool actually does, who it suits, and where it falls short — checked against the vendor’s own documentation, changelog and pricing page rather than its marketing copy.
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Compliance and pricing check
GDPR posture, hosting location and the prices quoted on this page are verified against the vendor’s public pricing before publication, and re-checked when we revisit the category.
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Position on this page
Placement on this page can be paid, and that can affect which tools appear here and the order they appear in. It never buys a good review: a tool that fails the checks above is not here at any price, and payment does not change the shortcomings we write about. A vendor can ask us to correct a factual error — not to remove a criticism.
Vendors can pay for visibility on this page. It never changes what an entry says about a product, including the criticism, and we earn nothing when you click through to a vendor. Vendors can pay for more visibility, higher up on the review pages; it never affects which tools are listed. Editorial policy
13 European Alternatives to YNAB
Wallet by BudgetBakers
Czech budgeting app with bank sync and multi-currency
Finanzguru
German finance app with contract detection and AI companion
Finanzblick
Free German multibanking and budget app on own servers
Spendee
Prague budgeting app with shared wallets and bank sync
Linxo
French budget app from an ACPR-approved payment institution
Outbank
German multibanking app storing data encrypted on your device
MoneyMoney
Mac banking and budget software with local encrypted data
StarMoney
Hamburg multibanking software with budgets and reports
Banking4
Munich banking software sold as one-time licence
Bankin'
French account aggregation app with free core service
Emma
London budgeting app using Open Banking with free plan
Snoop
UK money app for budgets, bills and subscriptions
MoneyCoach
Berlin budgeting app for Apple devices with category budgets and European bank sync
Key takeaways
- YNAB is run from the United States by You Need A Budget LLC, and its privacy policy says data from users elsewhere is stored there.
- YNAB costs $14.99 a month or $109 a year after a 34-day trial, and it has no free plan.
- None of the European budgeting apps checked describes the same zero-based method as YNAB.
- Finanzblick is described by its vendor as free and keeps data on its own servers in Germany.
- Banking4 is sold as a one-time licence, while Outbank, MoneyMoney and StarMoney store financial data on your own device.
Why people leave YNAB
YNAB, short for You Need A Budget, is a budgeting product from You Need A Budget LLC in Utah.
It is built around one method: every unit of income is assigned to a category before it is spent, and the budget you maintain is the money you actually hold today. That is different from most finance apps, which watch your spending afterwards and draw charts. People who like the method often like it a great deal, and that is the first thing to keep in mind when looking at alternatives.
The product is operated from the United States. YNAB's privacy policy says that information from users based elsewhere is transferred, processed and stored in the United States, and that transfers from the EEA, the UK and Switzerland rely on the European Commission's Standard Contractual Clauses.
Bank connections run through US aggregators named in the terms: Plaid, MX Technologies and, on Apple devices, the FinanceKit framework. The price is in dollars: $14.99 a month or $109 a year after a 34-day trial.
So the reasons to look at a European option are mixed. Some people want a contract and a data location inside the EEA. Others want to pay in euros, or to connect a German or French bank through a tool that talks to it natively. And some have found that the zero-based method is not what they need, and that a simpler category budget is enough.
- Your transaction history is stored in the United States YNAB states in its privacy policy that it operates from the United States and that data from users elsewhere is stored there. For people in the EEA the company relies on the Standard Contractual Clauses for that transfer and offers more detail on request by email. A budgeting app holds every payment you make, so some buyers prefer a vendor where the contract, the licence and the servers all sit in Europe.
- Bank connections are built on US aggregators The terms name Plaid Inc. or Plaid Financial Ltd., MX Technologies, Inc. and Apple FinanceKit as the way YNAB reads your accounts. For users in the UK, Switzerland and the EEA, the privacy policy says YNAB UK acts as an agent of Plaid Financial Ltd., which holds an FCA authorisation. If you bank with a smaller German or French institution, the tools built by European vendors may list it where a US aggregator does not.
- Dollars, a subscription, and no free tier After the trial YNAB costs $14.99 a month or $109 a year, plus tax where applicable, with no free plan. That is roughly €100 a year at current exchange rates, and the amount moves with the dollar. Some European tools here are free, such as Finanzblick, and Banking4 is sold as a one-time licence, so the cost structure can look quite different.
- The privacy policy mentions targeted advertising YNAB says its money comes from subscriptions, not ads in the product, and that it does not sell your financial data. It also says it performs typical targeted advertising to reach new users, and that it uses AI to categorise transactions and generate insights. None of that is unusual for a consumer app, but it is worth reading next to what a vendor like Outbank or MoneyMoney says about keeping data on your own device.
What you have to replace, not just match
What you would be replacing is mainly a method, and a method does not export. In YNAB each account balance is split into categories, money moves from one category to another when you overspend, and goals and targets tell you how much to set aside.
The European tools below mostly work the other way round: they pull in transactions, sort them into categories and compare the totals with a limit. That is a legitimate way to budget, but it is a different workflow, and you will have to decide whether you keep doing the YNAB routine by hand in a spreadsheet or adopt the category-limit model.
There are practical pieces too. YNAB offers goals, a debt-payoff view with a loan calculator, real-time syncing between devices and a subscription that can be shared with up to six people.
Those map unevenly onto the alternatives: Spendee has shared wallets, Wallet by BudgetBakers has planned payments and several currencies, Finanzguru has contract detection, and the German desktop clients lean on bank connections and exports. Your categories, your history and your habit of assigning money before spending are what you carry across; the rest you rebuild.
The alternatives compared
| Position | Tool | Headquarters | Pricing | Jurisdiction |
|---|---|---|---|---|
| #1 | Wallet by BudgetBakers | Prague, Czech Republic | eu-eea | |
| #2 | Finanzguru | Frankfurt am Main, Germany | eu-eea | |
| #3 | Finanzblick | Neunkirchen (Siegerland), Germany | eu-eea | |
| #4 | Spendee | Prague, Czech Republic | eu-eea | |
| #5 | Linxo | Aix-en-Provence, France | eu-eea | |
| #6 | Outbank | Vilshofen an der Donau, Germany | eu-eea | |
| #7 | MoneyMoney | Düsseldorf, Germany | eu-eea | |
| #8 | StarMoney | Hamburg, Germany | eu-eea | |
| #9 | Banking4 | Munich, Germany | eu-eea | |
| #10 | Bankin' | Paris, France | eu-eea | |
| #11 | Emma | London, United Kingdom | europe | |
| #12 | Snoop | Bradford, United Kingdom (registered office) | europe | |
| #13 | MoneyCoach | Berlin, Germany (c/o address) | eu-eea |
How each alternative compares to YNAB
Best for: People who track more than one currency and want budgets that follow their own pay period.
Wallet runs budgets that recur, run once or cover a custom period, which gives you more room to match a pay cycle than a fixed monthly category limit. Against YNAB it adds multi-currency tracking with automatic rates, a web app next to iOS and Android, and import from CSV, XLS and OFX files. The contracting entity is BudgetBakers s.r.o. in Prague.
It does not describe a zero-based or envelope method, so the assign-before-you-spend routine stays manual. Bank sync is a Premium feature and the Premium price is not published on a page that could be read, so you cannot compare the yearly cost with YNAB's $109 until you open the app. The legal pages also list Yodlee, a US provider, beside Salt Edge for bank connections.
What Wallet by BudgetBakers does better than YNAB
- Multi-currency tracking with automatic exchange rates
- Free tier for manual tracking, where YNAB has none after its trial
- Czech contracting entity with a Czech National Bank licence
- REST API and import from CSV, XLS and OFX
Where Wallet by BudgetBakers is a step down from YNAB
- No zero-based method
- Bank sync only in Premium, with a price that was not readable
- Hosted on AWS with no stated region and a US provider among the bank connectors
Standout against YNAB. Of the thirteen tools it is the one whose budget periods are the most adjustable.
Best for: Users with German bank accounts who want recurring contracts found and cancelled from the same app.
Finanzguru from dwins GmbH in Frankfurt scans your bookings for recurring contracts, shows cancellation deadlines and can send the cancellation. The YNAB pages read for this page do not mention such a feature. Data sits in an encrypted German data centre, the company holds a BaFin account information licence, and you can delete your account inside the app.
The cost comparison is less obvious than it looks. Budgets, statistics and the forecast need Finanzguru Plus, which the help centre prices at €0.99 per week regularly, and the free version shows only three months of bookings. The app is mobile only, the pages are in German, and it carries insurance and shopping-savings offers that YNAB does not.
What Finanzguru does better than YNAB
- Contract detection and cancellation deadlines
- Servers in a German data centre and a BaFin licence
- A free version with a real feature set
- In-app account deletion
Where Finanzguru is a step down from YNAB
- Budgets only in the paid Plus tier
- Mobile only, with German-language pages
- Commercial offers placed next to the budgeting tools
Standout against YNAB. It is the only tool here built around finding and cancelling contracts.
Best for: People in Germany who want a free app and browser view of their accounts with spending limits.
Finanzblick from Buhl Data Service in Neunkirchen costs nothing according to its vendor, runs on its own servers in Germany and works in the app and in a browser. Budgets come with limit notifications, which covers the part of YNAB that warns you before a category runs dry. Against a $109 yearly subscription, free is a large gap.
What you give up is method and breadth. The pages checked do not mention multi-currency budgets, shared budgets or an API, they are in German, and the product sits inside the WISO family, whose tax and document features point you to other Buhl products. The vendor does not explain how the app is funded beyond calling it free.
What Finanzblick does better than YNAB
- Free, where YNAB charges after 34 days
- Own servers in Germany
- Budgets with limit notifications in both app and browser
- BaFin-registered German vendor
Where Finanzblick is a step down from YNAB
- No zero-based method or goals engine like YNAB's
- No multi-currency or sharing features described
- German-language pages and a funding model left unexplained
Standout against YNAB. It is free and still keeps data on servers in Germany.
Best for: Couples, families or flatmates who want one place for shared spending in more than one currency.
Spendee, from SPENDEE s.r.o. in Prague, is organised around wallets, and a wallet can be shared with a partner or a flat. YNAB lets you share a subscription with up to six people, which is a different thing: sharing the budget is not the same as sharing a subscription. Spendee also tracks crypto and e-wallets and handles several currencies.
The data chain is less European than the Czech entity suggests. The privacy policy lists Plaid, Mailgun, Zendesk and Google in the United States and Salt Edge in Canada, and the terms limit support for non-paying users. Plan prices sit on a client-rendered page that could not be read, and the terms and privacy policy give two different company forms for the Czech entity.
What Spendee does better than YNAB
- Shared wallets, rather than only a shared subscription
- Tracking of crypto wallets and e-wallets
- A free basic version
- Czech contracting entity
Where Spendee is a step down from YNAB
- Several US and Canadian processors in the privacy policy
- Limited support for non-paying users
- Plan prices not readable on the pricing page
Standout against YNAB. Shared wallets are its core idea rather than an add-on.
Best for: French-speaking users who want a cheap app with budget goals and a regulated bank connection.
Linxo is the consumer app of LINXO, a payment institution approved by the French regulator ACPR, with ISO 27001 certification stated by the vendor. The free plan includes budget goals, and Premium at €4 a month adds a 30-day balance forecast, custom categories and account groups. Even Premium is far below YNAB's monthly $14.99.
The pages are in French and the hosting location is not stated, so the data-location argument that favours a European tool is only half made. The free plan limits history search to six months. Shared budgets and multi-currency tracking are not described, and Linxo is also a B2B open finance provider, so the consumer app is one product among several.
What Linxo does better than YNAB
- Free plan with budget goals
- Premium at €4 a month, well under YNAB's monthly price
- ACPR-approved payment institution and ISO 27001 stated
- Account groups for personal and professional use
Where Linxo is a step down from YNAB
- Hosting location not stated on the pages checked
- French-only pages, no shared or multi-currency budgets described
Standout against YNAB. Its Premium tier is the lowest-priced paid plan for budget goals in this list.
Best for: Apple and Android users who want accounts, payments and contracts with data kept local.
Outbank from Outbank GmbH in Vilshofen an der Donau keeps your finance data encrypted on the device and syncs only through servers in Germany. Against YNAB, which stores user data in the United States, that is a plain difference in where the records live. It connects more than 4,500 banks and payment services and also handles SEPA payments, which the YNAB pages read for this page do not mention.
Budgeting is category analysis and rules, not a plan-ahead method, and there is no free tier after the 14-day trial. Plans start at €3.99 a month or €39.99 a year, which is clearly below YNAB's $109 but not free. The site lists iPhone, iPad, Mac and Android, with no web or Windows version, and the pages are in German.
What Outbank does better than YNAB
- Data encrypted on the device, sync servers in Germany only
- Payments and contract management inside the same app
- Entry plan at €39.99 a year against $109
- More than 4,500 banks and payment services
Where Outbank is a step down from YNAB
- No plan-ahead budgeting method
- No web or Windows version, no free tier after the trial
- A lost device without a backup hits the user directly
Standout against YNAB. It combines local storage with payments and offline expenses such as crypto and precious metals.
Best for: Mac users who want a banking client with category budgets and exports and no cloud.
MoneyMoney from MRH applications in Düsseldorf is a macOS application that keeps its encrypted database on your Mac. It connects banks through FinTS/HBCI, bank APIs and PSD2, lists more than 6,500 European banks according to the vendor, has an English interface and exports to Excel, CSV, OFX and CAMT. Category budgets and dashboards cover the monitoring part of what YNAB does.
It is macOS only, with no mobile app or web version in the pages checked, so on a phone you have nothing. Banks reachable only through PSD2 need the paid online service at €39.99 a year, and direct debits are a separate €49.99 purchase. The licence price sits behind a bot check and could not be read.
What MoneyMoney does better than YNAB
- Encrypted database on your own Mac, no vendor cloud
- Direct FinTS/HBCI connection to German banks
- English interface with Excel, CSV, OFX and CAMT export
- Over 6,500 European banks according to the vendor
Where MoneyMoney is a step down from YNAB
- macOS only, no phone or web view
- PSD2 online service and direct debits cost extra
- No zero-based method
Standout against YNAB. The export formats, including CAMT, suit people who hand data to an accountant.
Best for: Windows and Mac users who want a banking client with budgets and reports, paid by month or year.
StarMoney from Star Finanz in Hamburg stores its data encrypted on your device and sells plans by the month or year. Basic is €2.79 a month, Deluxe €3.79 and Flat €5.49, so even the top tier is well under half of YNAB's monthly rate. It runs on Windows, macOS, iOS and Android and also pulls in PayPal, Amazon and eBay accounts.
Budgeting is a section of a banking client, available from Deluxe, while the mobile apps and synchronisation sit in the Flat plan. Basic is listed for one Windows device. The coverage figure of more than 2,000 institutions is lower than Outbank or MoneyMoney, and there is no free plan.
What StarMoney does better than YNAB
- Monthly plans from €2.79, cancellable
- Data encrypted on your device
- Windows support, where YNAB is a web and mobile product
- PayPal, Amazon and eBay accounts in the same view
Where StarMoney is a step down from YNAB
- Budgets not in Basic, sync and mobile only in Flat
- About 2,000 institutions against higher counts elsewhere
- Budgeting is secondary to banking
Standout against YNAB. It is one of the few here with a Windows desktop client and monthly billing.
Best for: Users who want to buy once rather than subscribe and keep their data in a local vault.
Banking4 from Subsembly in Munich is sold as a one-time licence for its Home edition, which removes the yearly cost that makes YNAB a $109 commitment every year. The data sits in a 256-bit AES vault on your device, and it runs on Windows, macOS, Android and iOS. Rule-based categories feed an income and expense analysis with budget management.
The licence price is on a page that could not be read, so the saving cannot be calculated here. It is a banking client first and its budgeting has no plan-ahead method. FinTS access may need to be switched on at your bank, the screen-scraper fallback can break when banks add captchas, and optional cloud backups use US services such as Dropbox, Google Drive and OneDrive.
What Banking4 does better than YNAB
- One-time licence instead of a recurring subscription
- Encrypted vault on your device
- Clients for Windows, macOS, Android and iOS
Where Banking4 is a step down from YNAB
- No plan-ahead method and a licence price that was not readable
- FinTS must be enabled at some banks, the fallback can fail
- Optional cloud backups run on US services
Standout against YNAB. It is the only tool on the page sold without a recurring fee.
Best for: French-speaking users who mainly want all accounts in one view with some spending categories.
Bankin' from BANKIN' SAS in Paris reads your accounts and sorts spending into categories, with the core consultation and transfer service free. It is hosted on AWS in Ireland, so the data stays inside the EU, and the company is registered with the French regulator as an agent.
It is not a budgeting tool in the YNAB sense. The pages checked do not describe category budgets in detail, Premium prices are shown only in the app, and the product earns from partner offers such as cashback, insurance and banking intermediation, which sit next to the features. Terms and legal notices are in French.
What Bankin' does better than YNAB
- Free core service
- Hosting in Ireland, inside the EU
- Revocable bank connections
Where Bankin' is a step down from YNAB
- Category budgets not described in detail
- Partner offers and recommendations inside the app
Standout against YNAB. It combines a free account overview with an EU hosting location named on its pages.
Best for: UK residents who want budgeting, subscription tracking and savings pots in one app.
Emma Technologies in London has a free Basic plan and paid plans at GBP 4.99, 9.99 and 14.99 a month after a 7-day trial. It tracks subscriptions and recurring payments, shows net worth on higher plans and has a web app beside iOS and Android. It is FCA registered and built on UK Open Banking.
The UK is outside the EU, so UK GDPR applies rather than the EU regulation, and prices are in pounds. The privacy policy says credit score features can send data to TransUnion UK and to iovation Inc. in the United States. Basic is limited to two bank logins, and the trial is far shorter than YNAB's 34 days.
What Emma does better than YNAB
- Free Basic plan
- Subscription and recurring payment tracking
- Web app alongside the mobile apps
Where Emma is a step down from YNAB
- Outside the EU, with a US affiliate named for credit features
- Two bank logins on Basic and a 7-day trial
Standout against YNAB. The pots and investing sections go beyond budgeting.
Best for: UK users who want monthly and category budgets plus bill and subscription monitoring.
Snoop, run by Usnoop Limited, offers a free plan that includes monthly and category budgets and tracks bills and subscriptions. It is FCA registered and hosts on AWS in the EEA, per its privacy policy. Snoop Plus costs GBP 5.99 a month, or GBP 47.99 billed yearly, which is well under YNAB's $109.
Snoop is built around UK banks and products and sits under UK GDPR, not the EU regulation. The privacy policy lists Amplitude and Segment, both US analytics providers, and the terms say third parties may pay Snoop when you act on a switching deal. Custom categories and exports require Plus. It is available on iOS and Android only.
What Snoop does better than YNAB
- Budgets in the free plan
- Hosting in the EEA
- Plus at GBP 47.99 a year against $109
Where Snoop is a step down from YNAB
- US analytics providers listed
- Custom categories and exports only in Plus, no web app
Standout against YNAB. Its terms state plainly that it gives no financial advice.
Best for: iPhone and Mac users who want category budgets with rollover and bank sync under a German contract.
MoneyCoach, from MoneyCoach UG in Berlin, is a category budgeting app for iPhone, iPad, Mac, Apple Watch and Vision Pro. Each category or subcategory gets a monthly limit, and its budget actions let you top up one category, transfer room between two, rebalance or carry unused budget forward. That comes closest to moving money between categories, though the site does not describe assigning income before it is spent, which is the YNAB method.
Premium costs from €4.99 a month or €39.99 a year as a reference price, against YNAB's $109 a year, and the subscription runs through the Apple account. Bank sync for EU banks uses GoCardless with 2,798 institutions in 30 countries.
The privacy policy says categories for imported bank transactions are suggested by the Google Gemini API, with no separate switch, and it names Google LLC as a US company. It is Apple only and has no free plan after the trial.
What MoneyCoach does better than YNAB
- Premium at €39.99 a year against $109
- Contracting company in Berlin with a register entry
- Bank sync across 30 European countries
- Budget top-up, transfer and rollover between categories
Where MoneyCoach is a step down from YNAB
- Apple devices only, no Android or web app
- Transaction text goes to Google's Gemini API for categories
- No permanent free version, bank sync limited to 4 logins on Premium
Standout against YNAB. It pairs top-up, transfer and rollover between category budgets with a Berlin contracting company.
What actually breaks when you switch
The first thing to lose is the budget itself. YNAB keeps your assignments, targets and goals in its own structure, and the European tools expect transactions, not a budget plan.
You can carry over account history through whatever export the app offers, but you will rebuild categories and limits by hand, and you should expect a month in which both systems run side by side. Bank connections are the second snag: a bank reachable through Plaid or MX may be listed differently by Salt Edge, FinTS or PSD2 providers, so check your own banks before you commit to a tool.
Then comes billing and habit. YNAB's pricing page notes that a trial started through a third-party app store may require card details, so check where your subscription was bought before you cancel it.
YNAB's terms for UK, Swiss and EEA residents are a separate document from the one that applies elsewhere. The harder part is routine: if you assign every unit of income before spending it, a category-limit app asks you to behave differently, and that takes weeks to get used to.
Can I get the same zero-based budgeting method from a European app?
Not from anything checked for this page. The vendor pages describe category budgets, limits with notifications, recurring budgets and forecasts, but none of them describes assigning each unit of income to a category before you spend it. Wallet by BudgetBakers comes closest in flexibility, with recurring, one-time and custom-period budgets, and Outbank, MoneyMoney and Banking4 are explicit that their budgeting is category analysis rather than a plan-ahead method.
If the method is what you value, the realistic route is to treat a European app as the bank connection and the record, and keep the assigning step in a spreadsheet. If you only value knowing where the money went, a category-limit app does the job. Run the trial of your shortlist alongside YNAB for a month before you cancel anything.
What happens to my data at YNAB if I leave?
According to the privacy policy, YNAB keeps most account data for up to 24 months after a subscription or trial expires, unless you delete your account, and keeps support conversations for up to three years. You can ask for deletion by writing to privacy@ynab.com or using the account tools. The policy also says some data may be kept where the law or a dispute requires it.
Before you delete anything, export what you need. The policy and pricing pages do not describe a bank-statement style export format in detail, so check the export options in the app itself and keep a copy of your categories and history, because the European tools read CSV, OFX or similar files rather than a YNAB budget file.
Which one to pick
If you want to keep a zero-based routine and only move for jurisdiction, no app on this list does that natively, and the honest path is a European banking client or Wallet by BudgetBakers for the record plus a spreadsheet for the assigning.
If you mainly want to know where the money went, Finanzblick is free and runs on servers in Germany, Linxo covers French accounts for €4 a month, and Wallet by BudgetBakers suits people who work in several currencies. Spendee fits shared spending.
If local storage matters most, pick Outbank on Apple or Android, MoneyMoney on a Mac, StarMoney on Windows or Mac, or Banking4 if you prefer a one-time licence. UK residents have Emma and Snoop, which are UK companies and not under the EU regulation. YNAB stays stronger for the method itself, for its goals and debt tools, and for polish built over years, so if the method works for you, try the alternatives on their free trials before you cancel.
Frequently Asked Questions
It depends on what you use YNAB for. Wallet by BudgetBakers (Prague) offers recurring and custom-period budgets, planned payments and several currencies. Finanzblick and Finanzguru (Germany) suit people with German bank accounts, and Linxo (France) has a free plan with budget goals. Spendee covers couples who share a wallet. None of them copies the YNAB method, so test two or three on the free trials.
Yes, within limits. Finanzblick is described by its vendor as free, Linxo, Spendee, Emma and Snoop have free plans with paid tiers, and Wallet by BudgetBakers has a free tier for manual tracking. Finanzguru is free but keeps budgets and forecasts for Plus. YNAB has no free plan after its 34-day trial, so the free tiers are the main difference in cost.
Outbank, MoneyMoney, StarMoney and Banking4 store financial data encrypted on your device according to their own pages. Outbank syncs through servers in Germany only, MoneyMoney runs on macOS only, and Banking4 is a one-time licence for Windows, macOS, Android and iOS. YNAB, by comparison, stores user data in the United States.
YNAB says it uses Open Banking to read accounts, through Plaid, MX Technologies and Apple FinanceKit, and that users can also import transactions by file. Which banks are reachable depends on those providers rather than on YNAB, so look up your own bank in the app before you rely on automatic import. The German clients here use FinTS or PSD2 and list thousands of banks.
Yes. Emma (London) and Snoop (Bradford) are built around UK Open Banking and are priced in pounds, and both are FCA registered. The UK is outside the EU, so UK GDPR applies to them rather than the EU regulation. Wallet by BudgetBakers and Spendee are Czech and price differently, so check the currency before you subscribe.
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