Talvo connects your European bank accounts, categorises every transaction automatically, and shows you exactly where you stand — without sending your data across the Atlantic.
2,500+ banks · No card required · Cancel anytime
Connects to 2,500+ European banks
One quiet dashboard instead of seven banking apps. Talvo does the bookkeeping so you can do the living.
Talvo recognises European merchants — from Albert Heijn to your local apotheek — 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.
See your spending day by day, set monthly limits per category, and watch the heat fade as your habits improve. Gentle nudges, never nagging.
Origin, Copilot and Monarch are great — if your bank is American. Talvo is built for IBANs, SEPA and the way money works here.
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 30 days. No card required, no dark patterns when you leave.
For getting a feel for your finances.
For full clarity, every day.
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.
No, Talvo is not a bank. We do not hold, manage, or transfer your money. Talvo is an independent personal finance tracking and budgeting tool that helps you aggregate, organize, and analyze your financial transactions in one clear overview.
No, absolutely not. Talvo never sees, collects, or stores your bank passwords, PINs, or Multi-Factor Authentication (MFA) codes. When you link your bank account, you are securely redirected to your own bank's native interface to authorize the connection. The authentication happens entirely between you and your bank.
We use secure Open Banking technology (regulated under European PSD2 legislation). To establish a secure connection with your bank, we partner with Enable Banking, a fully licensed and regulated Account Information Service Provider (AISP). Once you grant permission through your bank, Enable Banking securely transmits your transaction history and account balances to Talvo.
Never. We do not sell, rent, or trade your personal or financial information to third parties (such as advertisers, insurance companies, or other financial institutions) for marketing or any other purposes. Your data is strictly used to run the Talvo app for you.
Industry-standard, bank-grade security: all data sent between your device, our servers, and your bank is encrypted using HTTPS / TLS; all data stored in our databases is fully encrypted at rest (AES-256); and access to our database servers is restricted to the absolute minimum of authorized technical staff.
All Talvo user data is stored on secure cloud servers located entirely within the European Economic Area (EEA). This ensures your data is protected by the strict standards of the European General Data Protection Regulation (GDPR).
We keep your personal and financial data only as long as you have an active account with us.
Your account details and all retrieved bank transactions are immediately and permanently deleted from our production databases. It may take up to 30 days for this data to be completely cleared from our secure, encrypted backup systems.
Yes. You can revoke permission and disconnect your bank account at any moment through the settings in the Talvo app. Once disconnected, we will immediately stop retrieving any new data and delete any previously synchronized bank data from our active systems.
Under the GDPR, you have the right to data portability. You can request a complete export of your transaction history and account profile in a structured, machine-readable format (such as JSON or CSV) at any time through the app settings or by reaching out to us.
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.
30 days free · No card required · Made in Europe