Finanzblick
Free multibanking and household budget app from Buhl Data Service in Germany, with own servers and web access
Quick Overview
| Company | Buhl Data Service GmbH |
|---|---|
| Category | Budgeting Apps |
| Headquarters | Neunkirchen (Siegerland), Germany |
| Founded | Not stated |
| EU Presence | Yes - Germany (EU) |
| Data Location | Own servers in Germany |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Multibanking, automatic categorisation, budgets with limit alerts, real-time transfers, loyalty cards, ATM finder, push notifications, smartwatch notifications, document app link |
| Pricing | Free (the vendor describes it as 100 percent free) |
| Best For | People in Germany who want a free multibanking and budget app in the phone and the browser |
| Replaces | YNAB, Monarch |
Detailed Review
Finanzblick is a product of Buhl Data Service GmbH, a German software company that also makes WISO tax and accounting software. The imprint shows Handelsregister AG Siegen HRB 3015 and a BaFin registration as payment institution (BaFin ID 153789).
The vendor positions Finanzblick as free of charge, with its own servers in Germany and no third-party providers for the security setup. It combines accounts from more than 4,000 banks in one interface and adds budgets with limits per category.
Accounts, Budgets and Alerts
Finanzblick turns transactions into charts and trends without manual sorting. Budgets are set as limits for categories such as coffee or a weekend trip, and the app sends a notice before a budget runs low. Push notifications report new bookings, and smartwatch notifications are supported on Apple Watch and Android Wear.
Payments and transfers can be made in real time from the app, and loyalty cards can be scanned and stored. An ATM finder shows where withdrawals are free.
Phone and Browser
The same data can be used in the app and the browser without data loss, and the full booking history stays visible. Link-ups to WISO Steuer carry bookings into tax returns, and dokublick is a separate app for documents and receipts.
Security Setup
Finanzblick states that it runs on its own servers in Germany, uses HTTPS for online and mobile banking, and protects the app with Face ID or fingerprint.
Limitations to Consider
The product pages are in German and the bank list is the one to check if you use non-German banks. Finanzblick is tied to the WISO product family, so tax and document features point towards other Buhl products. The vendor does not publish how the product is funded beyond describing it as free, and the pages checked do not mention multi-currency budgets, shared budgets or an API. For a paid alternative with a web app see Wallet by BudgetBakers.
Who Should Use Finanzblick
German-speaking users who want a no-cost way to see all accounts and set category limits, with data kept on German servers.
Pros and Cons
Pros
- Free according to the vendor
- Own servers in Germany
- Budgets with limit notifications
- Works in the app and the browser
- BaFin-registered German vendor
Cons
- German-language pages
- No multi-currency or sharing features described
- Tied to the WISO product family
- Funding model not explained beyond being free
Alternatives to Finanzblick
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
Spendee
Czech Republic · Prague budgeting app with shared wallets and bank sync
Linxo
France · French budget app from an ACPR-approved payment institution
See all European budgeting apps or compare them directly against YNAB on our alternatives page.
Frequently Asked Questions
The vendor describes Finanzblick as 100 percent free on its product and security pages.
Finanzblick states that it runs on its own servers in Germany.
Yes. The vendor states that you can switch between smartphone and browser without data loss.