Bankin'
French app from Paris that aggregates bank accounts and categorises spending, with free consultation and optional Premium
Quick Overview
| Company | BANKIN' SAS |
|---|---|
| Category | Budgeting Apps |
| Headquarters | Paris, France |
| Founded | Not stated |
| EU Presence | Yes - France (EU) |
| Data Location | Amazon Web Services, Ireland |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Account aggregation, spending categorisation, transfers, cashback, personalised recommendations, Premium offers Bankin' Pro and Bankin'+ |
| Pricing | Core service free; Premium subscription prices shown in the app, not on the pages checked |
| Best For | French-speaking users who want to see all accounts in one app |
| Replaces | YNAB, Monarch |
Detailed Review
Bankin' is edited by BANKIN' SAS, a French simplified joint-stock company registered at the RCS Paris under number 907 753 735, with its registered office at 4 rue de la Pierre Levée in Paris. The terms of use apply from 13 March 2026 for new users.
The app offers account consultation as an agent of the payment institution Perspecteev (trading as Bridge), registered with the ACPR under REGAFI 381188. The terms say users need a payment account in the European Union.
Free Core and Premium
According to the terms, the consultation function, the transfers function, the cashback function and the personalised recommendations service are free. Premium services, Bankin' Pro and Bankin'+, are monthly or yearly subscriptions whose euro prices are shown in the user's personal space.
Cashback and Recommendations
Automatic cashback credits a pot, capped at EUR 500 per transaction, and the pot can be transferred once it reaches EUR 10. Personalised recommendations rely on the user's data, for example a prompt to renegotiate a mortgage if eligible. Bankin' acts as an intermediary for insurance and banking offers with partners, registered with ORIAS.
Hosting and Data Rights
The legal notice names Amazon Data Services Ireland Limited in Dublin as hosting provider. Bankin' says users can revoke, delete or limit bank connections at any time and that banks cannot object to the service.
Limitations to Consider
The terms and legal notices are in French, Premium prices are not shown on the pages checked, and the app earns from partner offers (cashback, insurance and banking intermediation), which sit next to the budgeting features. Hosting is on Amazon Web Services in Ireland. The pages checked do not describe category budgets in detail; for budget-focused tools see Linxo or Wallet by BudgetBakers.
Who Should Use Bankin'
French-speaking users who mainly want an overview of accounts and spending and are open to partner offers.
Pros and Cons
Pros
- Core consultation service free
- French registered company with ACPR agent registration
- Hosting in Ireland (EU)
- Revocable bank connections
- Cashback pot with EUR 10 payout threshold
Cons
- French-language terms
- Premium prices not on the pages checked
- Partner offers and recommendations built into the app
- Budgeting features not detailed on the pages checked
Alternatives to Bankin'
Other European budgeting apps worth comparing before you decide:
Wallet by BudgetBakers
Czech Republic · Czech budgeting app with bank sync and multi-currency
Finanzguru
Germany · German finance app with contract detection and AI companion
Finanzblick
Germany · Free German multibanking and budget app on own servers
Spendee
Czech Republic · Prague budgeting app with shared wallets and bank sync
See all European budgeting apps or compare them directly against YNAB on our alternatives page.
Frequently Asked Questions
BANKIN' SAS in Paris, registered at the RCS Paris under number 907 753 735, acting as agent of the payment institution Perspecteev (Bridge).
The terms say the consultation, transfers, cashback and personalised recommendation services are free. Premium services are subscriptions.
The legal notice names Amazon Data Services Ireland Limited in Dublin as hosting provider.