Talvo connects your European bank accounts, categorises every transaction automatically, and shows you exactly where you stand — budgets, net worth and insights in one calm dashboard.
2,500+ banks · 7-day free trial · Cancel anytime
European banks connected through licensed PSD2 providers
currencies handled natively, converted at daily ECB rates
of your data stored in the EU — Frankfurt & Dublin, GDPR native
to start — track everything manually on the free plan, forever
One quiet dashboard instead of seven banking apps. Talvo does the bookkeeping so you can do the living.
Connect 2,500+ European banks through licensed PSD2 providers and Talvo does the rest — it recognises European merchants, from Albert Heijn to your local pharmacy, and categorises them instantly. Wrong guess? Fix it once and Talvo remembers forever.
Monthly trends, category breakdowns, and a this-month-vs-last view that tells you in three seconds whether you're ahead or behind. No spreadsheets, no guilt trips.
You're spending 20% less than this time last month (−€553).
One living diagram that answers the only question that matters: where does it all go? Filter by account, category or tag — then read the flow.
Current, savings, neobank — every balance rolled into a single line you can trust. Manual accounts and transactions welcome too, so a spreadsheet or a shoebox of receipts never has to be left behind.
Tap any transaction and see the story behind the merchant — how often it hits, what you usually pay, and whether this month is unusual. Your bank statement, with a memory.
The details that make Talvo feel like it was built by someone who actually tracks their own money. Because it was.
Finish the month under budget and the difference carries into the next one. Good months should count for something.
Dining ran hot, groceries ran cool? Move budget between any two categories — any amount, any direction, no judgement.
Keep any transaction — or an entire category — out of budgets and spending. One big gift shouldn't wreck July.
Tag the work trip, note the birthday dinner, split the bill — your data, your way, on any transaction.
Every transaction, merchant, tag and note — one keystroke away, from anywhere in the app.
Spend in pounds, get paid in francs — everything converts to your base currency automatically, at daily ECB rates.
Talvo keeps quiet pace with the month and tells you, in plain words, how you'll land — on day 12, not day 31.
Monarch, Copilot and Origin look wonderful — until you discover they can't connect a single European bank. Talvo brings that level of polish to where you actually live: IBANs, SEPA and euros.
| Feature | Talvo | US apps |
|---|---|---|
| European bank coverage2,500+ banks via PSD2 open banking | ✓ | ✕ |
| Multi-currency by defaultEUR, GBP, CHF, SEK, NOK, DKK + 15 more | ✓ | ✕ |
| Data stored in the EUGDPR native, no US cloud transfer | ✓ | ✕ |
| SEPA & IBAN awareTransfers between own accounts auto-detected | ✓ | ✕ |
| Priced in eurosNo FX fees on your subscription | ✓ | ✕ |
| One-click importMoving back from the US, or off a spreadsheet? Bring your history via CSV | ✓ | — |
Read the full comparisons: Talvo vs Copilot Money · Talvo vs Monarch Money · Talvo vs Bilance
We're a European company under European law. Your financial data never leaves EU servers, is never sold, and is never used to target you with ads.
Talvo connects through licensed PSD2 providers with read-only access. Nobody — including us — can move your money.
AES-256 at rest, TLS 1.3 in transit, with bank credentials held only by your bank — never by Talvo.
Export everything or erase your account in one click. Under GDPR it's your right — with Talvo it's also a button.
Try everything free for 7 days. No dark patterns when you leave.
Track it yourself, beautifully.
Everything, on autopilot.
Prices include VAT. Cancel in two clicks, export everything, no questions asked.
At Talvo, we believe your financial data is yours alone. We built our platform with bank-grade security and privacy by design. Here are the questions we get asked most.
Still have questions? Read the full Privacy Policy or email us at info@gettalvo.com.
Join thousands of Europeans who replaced seven banking apps with one calm dashboard.
7-day free trial · Cancel anytime · Made in Europe