01
Free · Every platform
Enter expenses manually
Add income and expenses yourself. No bank connection, no subscription and no excuse for pretending the purchase never happened.
Grow your money with Banqa
Your budget knows what you did. Banqa makes sure you do too.
- Track expenses by letting your Android phone detect spending notifications, or connect your bank for automatic transactions.
- Set a budget. Choose a goal. Then let an AI coach calibrated to your personality call out the bullshit and keep you moving until you hit it.
- Grow the money you keep by saving first, catching waste early and stopping expensive habits before they become your next excuse.
- Read only bank access
- No payments
- 15 day bank connection trial
Built for EU open banking Bank connections use regulated European open banking protocols and are available across supported EU & EEA countries and banks.
Monthly budget
On track. Somehow.
€1,126
left from €1,800
Food
€168 / €320
Transport
€74 / €180
Fun money
€196 / €220
How it works
Track it your way.
Start free. Add a bank only when automatic tracking is worth paying for.
02
Free · Android APK
Let notifications do the typing
With permission, the Android app detects supported bank and expense notifications on your device. Optional, private and unavailable on iOS because Apple says no.
03
Connected · €9/month
Connect your bank accounts
Use regulated read only open banking to import balances and transactions automatically. Manual entries still work alongside connected accounts.
Coming soon
Before you buy it, show Banqa.
Send a photo of what you want. Banqa checks it against your budget, savings goal and recent spending, then tells you whether you can afford it or whether you’re about to screw yourself for another shiny object.
Can I afford this?
No.
You can afford the item or the goal. Stop pretending you can afford both.
The actual point of Banqa
One big budget. Every category underneath it.
Set the total amount available for your real financial cycle, then divide it between food, transport, shopping, subscriptions or whatever else keeps eating your money.
- One master limit across the complete spending cycle
- Category budgets that roll up into the master budget
- Payday, calendar month, custom date or irregular income cycles
- Manual, notification and bank transactions in one view
Your money month
25 August → 24 September
A month starts when your money does not when a calendar tells it to.
€1,800Main budget
7Categories
€420Save first
Banqa adapts to you
Choose how hard Banqa hits.
A short questionnaire learns your money cycle, saving problems, budget style and preferred level of abuse. Retake it whenever your life or your tolerance changes.
“You exceeded your dining budget by €28.”
Reports and numbers without commentary.
“Your dining budget saw you order delivery again and gave up.”
Jokes and honest nudges when you ignore the plan.
“You built a budget, ignored it, and now you’re acting surprised. Stop spending like a fucking idiot and follow the plan.”
Direct confrontation. No comforting bullshit.
Security & privacy
We can analyse it. We can’t spend it.
Banqa exists to understand your spending not move your money, sell your data or turn your financial life into somebody else’s advertising profile.
Read the security details →Read only bank access
No payments, transfers or money movement.
On device notification detection
Android notification processing stays on the device and is always optional.
Your data is never sold
It is processed only to provide and improve the Banqa experience.
Consent stays yours
Disconnect bank access and delete your Banqa data when you decide.
Pricing
Two modes. No corporate pricing maze.
Everything is free except automatic bank connections.
Free forever
Banqa Free
€0/forever
Full budgeting and AI coaching.
- Manual income and expense entry
- Track spending notifications
- Main budget and category budgets
- All AI personality modes and insights
Automatic tracking
15 days free
Banqa Connected
€9/month
Everything in Free, plus automatic bank transactions.
- Connect your bank accounts
- Automatic balance and transaction imports
- Combine connected and spending notifications and manual expenses
- EU open banking connection
If the plan ends, bank access disconnects and Banqa Free keeps working.
FAQ
Questions people ask before handing an app their financial life.
Fair enough. Here are the useful answers.
What is actually free?
Everything except bank connection: manual tracking, Android notification detection, budgets, AI insights and every personality mode.
Can Banqa move my money?
No. Connected accounts use read only AIS access. Banqa does not initiate payments, transfers or withdrawals.
When does the 15 day trial begin?
It begins when you activate Banqa Connected.
What happens when Connected ends?
Your bank connection is removed. You keep Banqa Free and can continue tracking everything through spending notifications or manually.
How does Android notification tracking work?
With explicit permission, the Android APP detects banking and expense notifications on the device. It is optional and unavailable on iOS.
Are transactions instant?
Connected transactions refresh automatically, but timing depends on the bank and open banking provider. Banqa will not pretend every bank is real time.
Where is Banqa available?
Banqa is built for EU users.
Can I change Banqa’s personality?
Yes. Retake the questionnaire whenever you want to change your budget setup, financial profile or preferred level of honesty.
Still confused?
Ask Banqa
No newsletter. No “growth hacks.” Ask an actual question.