Spendee
Prague-based budgeting app with shared wallets, bank connections, crypto wallets and multiple currencies
Quick Overview
| Company | SPENDEE s.r.o. |
|---|---|
| Category | Budgeting Apps |
| Headquarters | Prague, Czech Republic |
| Founded | Not stated |
| EU Presence | Yes - Czech Republic (EU) |
| Data Location | See privacy policy (processors in the EU, US and Canada are listed) |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Wallets, shared wallets, bank sync, crypto and e-wallet tracking, budgets, custom categories, multiple currencies, alerts and reminders, receipt scanning, sync and backup |
| Pricing | Free basic version with paid subscriptions (current prices not shown on a readable page, see website) |
| Best For | Couples, families and flatmates who track money together in several currencies |
| Replaces | YNAB, Monarch, Goodbudget |
Detailed Review
Spendee is developed and offered by SPENDEE s.r.o. in Prague, which is named as provider and contract partner in the Terms of Use. The basic version is free and a paid subscription unlocks further features.
The app combines manual entry with automatic import of bank transactions, and also tracks crypto wallets and e-wallets. Budgets per category show what is left to spend each day.
Shared Wallets and Currencies
Shared wallets are used by couples, families and roommates who handle expenses together. Multiple currencies are supported, which Spendee highlights for travellers and digital nomads.
Categories can be customised and each expense can carry a picture or a location. Alerts and reminders notify you about bills and budget limits.
Bank Connection and Receipts
Bank accounts can be connected so transactions import automatically, and cash expenses are added by hand. The Terms of Use state that the provider offers an account information service under the framework contract. An optional receipt-scanning feature extracts data with AI models operated by the processor CLEEVIO s.r.o., also in Prague.
Data Processors
The privacy policy lists its processors, which include Google, Salt Edge Inc. (Canada), Plaid Inc., Mailgun, Zendesk and Sendinblue (France), and says transfers outside the EU rely on standard contractual clauses.
Limitations to Consider
The privacy policy lists several non-European processors, among them Plaid Inc., Mailgun, Zendesk and Google Inc. in the United States and Salt Edge Inc. in Canada, so the data chain is not purely European.
The terms state that support for non-paying users is limited, and the pricing page is rendered client side, so plan prices could not be read. The Terms of Use give the company form as s.r.o. while the privacy policy says a.s., a difference to check in the commercial register. For a Czech alternative with stated licence details see Wallet by BudgetBakers.
Who Should Use Spendee
Households and flatmates who want shared wallets and a free starting point from a Czech provider.
Pros and Cons
Pros
- Czech contracting entity
- Shared wallets for couples and roommates
- Crypto wallets and e-wallets tracked
- Multiple currencies
- Free basic version
Cons
- Several US processors listed in the privacy policy
- Limited support for non-paying users
- Prices not readable on the pricing page
- Company form differs between terms and privacy policy
Alternatives to Spendee
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
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 Terms of Use name SPENDEE s.r.o., Id. No. 05912890, with its registered office in Prague, Czech Republic.
Yes. Spendee highlights shared wallets for couples, families and roommates.
Yes. Its privacy policy lists processors such as Google Inc., Plaid Inc., Mailgun and Zendesk in the United States and Salt Edge Inc. in Canada, with standard contractual clauses for transfers.