StarMoney
Hamburg-built German online banking software with multibanking, budgets and reports, sold as a monthly or yearly subscription
Quick Overview
| Company | Star Finanz-Software Entwicklung und Vertriebs GmbH |
|---|---|
| Category | Budgeting Apps |
| Headquarters | Hamburg, Germany |
| Founded | Not stated |
| EU Presence | Yes - Germany (EU) |
| Data Location | Encrypted on your device |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | Local application |
| Main Features | Multibanking for 2,000+ institutions, PayPal/Amazon/eBay accounts, payments and standing orders, budgets and reports, document management, data synchronisation, photo transfer, contract management |
| Pricing | Basic EUR 2.79/month or EUR 29.90/year; Deluxe EUR 3.79/month or EUR 39.90/year; Flat EUR 5.49/month |
| Best For | Windows and Mac users who want a banking application with budgets and reports |
| Replaces | YNAB, Quicken |
Detailed Review
StarMoney is a product of Star Finanz-Software Entwicklung und Vertriebs GmbH in Hamburg (Amtsgericht Hamburg HRB 64916). The vendor says it has been German online banking software for more than 25 years, and that all data is stored encrypted on the user's device.
It manages current accounts, credit cards, depots and online payment services such as PayPal, Amazon and eBay in one application, across more than 2,000 financial institutions.
Plans and What Each Includes
Basic (EUR 2.79 per month or EUR 29.90 per year) gives an overview of transactions, payment orders and standing orders for one device. Deluxe (EUR 3.79 per month or EUR 39.90 per year) adds budgets and reports, document management and single direct debits for three devices.
The Flat plan (EUR 5.49 per month) covers five devices and adds data synchronisation, photo transfer, subscription and contract management and the mobile apps, with updates included.
Banking Functions
StarMoney handles transfers including real-time transfers, standing orders and direct debits next to the analysis tools, so it works as a full banking client as well as a household ledger.
Data and Security
The vendor states that all data is held encrypted on the device and that newer encryption methods are used. The Flat plan adds data synchronisation between devices; the pages checked do not say where synchronised data is stored.
Limitations to Consider
Budgets and reports require the Deluxe plan or higher, and the mobile apps and synchronisation are part of the Flat plan. Basic is listed for one Windows device. The coverage figure of more than 2,000 institutions is lower than some other tools in this list. The product is a banking client first, so budgeting is a section of the software rather than a method. For a one-time licence option see Banking4.
Who Should Use StarMoney
German-speaking Windows users who want banking and a budget report in one subscription application.
Pros and Cons
Pros
- German vendor with Handelsregister entry
- Data stored encrypted on your device
- Monthly or yearly cancellable plans
- Budgets and reports from Deluxe
- Apps for Android, iOS and macOS in the Flat plan
Cons
- Subscription only
- Budgets not in Basic
- Sync and mobile only in Flat
- About 2,000 institutions versus higher counts elsewhere
Alternatives to StarMoney
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
Budgets and reports are listed from the Deluxe plan upwards, at EUR 3.79 per month or EUR 39.90 per year.
The vendor says all data is stored encrypted on the user's device.
Yes. The Flat plan lists apps for Android, iOS and macOS together with Windows.