# Talvo — European Money Tracker & Budgeting App

> The European money tracker & budgeting app. Connect 2,700+ banks via PSD2, auto-categorise every transaction, track budgets & net worth. EU-hosted, GDPR native.

Canonical page: https://talvo.eu/

**Your money, finally organised.**

Connect your European bank accounts and manage your finances in one place. Talvo automatically categorises transactions and brings together your spending, budgets and net worth.

[Get started free](https://app.talvo.eu/)

[App Store](https://apps.apple.com/be/app/talvo-money-budget-tracker/id6799991777?pt=129174370&ct=web-home-hero&mt=8)

[Google Play](https://play.google.com/store/apps/details?id=co.talvo.mobile&referrer=utm_source%3Dtalvo.eu%26utm_medium%3Dweb%26utm_campaign%3Dweb-home-hero)

2,700+ banks · 7-day free trial · Cancel anytime

[Or explore the live demo →](https://demo.talvo.eu/)

## Connects to 2,700+ European banks

- ING
- KBC
- Rabobank
- BNP Paribas
- N26
- Revolut
- bunq
- ABN AMRO
- Deutsche Bank
- Crédit Agricole
- Santander
- Nordea
- CaixaBank
- Belfius
- UniCredit

- **2,700+** European banks connected through licensed PSD2 providers
- **21** currencies handled natively, converted at daily ECB rates
- **100%** of your data stored in the EU — Frankfurt & Dublin, GDPR native
- **€0** to start — track everything manually on the free plan, forever

## A complete view of your finances.

Review your accounts, track spending and manage budgets from a single dashboard.

### Bank transactions, automatically categorised.

Connect accounts from over 2,700 European banks through licensed PSD2 providers. Talvo recognises merchants and categorises transactions automatically. Adjust a category and use rules to apply your preferences to future transactions.

- **Read-only bank sync** — via licensed PSD2 providers; your credentials never touch Talvo
- **Smart rules** that learn from every correction you make, applied retroactively
- **IBAN-aware** — transfers between your own accounts never count as spending

[Try the transactions view](https://demo.talvo.eu/)

### Understand your spending patterns.

Compare monthly spending, review category breakdowns and monitor changes over time. See how your current spending compares with previous months.

- **Biggest movers** — identify the largest changes by category
- **Cash-flow view** — income, expenses and net savings at a glance
- **Daily heatmap** — review spending by day

[Try the spending view](https://demo.talvo.eu/)

### See how your money is allocated.

View how income is distributed across expenses, categories and savings. Filter by account, category or tag to examine the transactions behind each total.

- **Money-flow diagram** — income sources → expenses → categories and savings
- **Savings rate** — measure savings over your selected period
- **Filters** — by account, category or tag

[How Insights works](https://talvo.eu/how-to-use-insights.html)

### All your accounts, one net worth.

Combine balances from current accounts, savings accounts and other assets to track your net worth. Add manual accounts and transactions for assets that are not connected to a bank.

- **Live balances** — synced automatically from every connected bank, no manual entry
- **Manual accounts welcome** — cash, property or an old account you’re closing down
- **Consolidated balances** — amounts converted to your base currency as account data updates

[See all your accounts](https://demo.talvo.eu/)

### Review spending by merchant.

Open a transaction to review your history with that merchant, including payment frequency, average amounts and monthly spending trends.

- **Visit frequency & average spend** for every merchant, automatically
- **Monthly trend per merchant** — monitor changes in recurring spending
- **Notes, tags & splits** on any transaction — share dinner, tag the work trip

## More control over your budget.

Adjust your budget as circumstances change, organise transactions and manage accounts in multiple currencies.

### Carry budgets forward.

Carry unspent category budgets into the following month to plan for irregular or larger expenses.

### Rebalance mid-month.

Move budget between categories during the month to reflect changes in your spending priorities.

### Exclude specific expenses.

Exclude individual transactions or entire categories from budget calculations and spending totals.

### Tags, notes & splits.

Add context with tags and notes, or split a transaction across categories for more accurate reporting.

### Search everything.

Find transactions by merchant, tag or note using the search available throughout the app.

### 21 currencies, one base.

Track accounts in 21 currencies, with amounts automatically converted to your base currency using daily ECB rates.

## Under budget 4 of the last 5 months.

Monitor spending against your budget throughout the month. Projections help you estimate your month-end total and remaining daily allowance.

## Built for European banking.

Talvo supports European bank connections, IBANs, SEPA transfers and multiple currencies. Compare the features that matter when managing your finances in Europe.

| Feature | Talvo | US apps |
| --- | --- | --- |
| **European bank coverage** — 2,700+ banks via PSD2 open banking | Yes | No |
| **Multi-currency by default** — EUR, GBP, CHF, SEK, NOK, DKK + 15 more | Yes | No |
| **Data stored in the EU** — GDPR native, no US cloud transfer | Yes | No |
| **SEPA & IBAN aware** — Transfers between own accounts auto-detected | Yes | No |
| **Priced in euros** — No FX fees on your subscription | Yes | No |
| **One-click import** — Import your existing transaction history from a CSV file | Yes | Varies |

Read the full comparisons: [Talvo vs Copilot Money](https://talvo.eu/talvo-vs-copilot-money.html) · [Talvo vs Monarch Money](https://talvo.eu/talvo-vs-monarch-money.html) · [Talvo vs Bilance](https://talvo.eu/talvo-vs-bilance.html)

## Your financial data, stored in Europe.

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.

### Read-only by design

Talvo connects through licensed PSD2 providers with read-only access. This connection cannot be used to initiate payments or transfer funds.

### Encryption in transit and at rest

AES-256 at rest, TLS 1.3 in transit, with bank credentials held only by your bank — never by Talvo.

### Control over your data

Export your records, disconnect bank accounts or request account deletion from within the app.

[Read the full privacy policy](https://talvo.eu/privacy-policy.html)

## Simple, in euros.

Try Plus free for 7 days. Cancel your subscription at any time.

### Manual tracking and budgeting.

**€0 / forever**

Manage accounts and transactions manually with the free Starter plan.

- Manual accounts & transactions
- Spending overview
- Budgets with pace & projections
- Insights & money flow

[Start free](https://app.talvo.eu/)

### Bank sync and automation.

**€5 / month**

- Yearly: €5 / month — €59.99 billed yearly. 7 days free, then €59.99/year.
- Monthly: €9.99 / month — Billed monthly. 7 days free, then €9.99/month.

- Everything in Starter
- Bank sync — 2,700+ European banks
- Auto-categorisation & rules
- AI import of older transactions (soon)
- AI financial guidance (soon)

[Start 7-day free trial](https://app.talvo.eu/)

Prices include VAT. Cancel your subscription or export your data at any time.

## How we protect your data.

Learn how bank connections work, where your data is stored and how to manage access to your financial information.

Still have questions? Read the full [Privacy Policy](https://talvo.eu/privacy-policy.html) or email us at [info@gettalvo.com](mailto:info@gettalvo.com).

### Is Talvo a bank?

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, organise, and analyse your financial transactions in one clear overview.

### Can Talvo see my bank login credentials?

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 authorise the connection. The authentication happens entirely between you and your bank.

### How does the bank connection work?

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.

### Do you sell my data to third parties?

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.

### How is my data secured?

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 authorised technical staff.

### Where is my data stored?

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).

### How long do you keep my data?

We keep your personal and financial data only as long as you have an active account with us.

### What happens if I delete my account?

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.

### Can I disconnect my bank account at any time?

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 synchronised bank data from our active systems.

### How can I export my data?

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.

## Manage your finances with Talvo.

Bring your accounts, spending and budgets together. Start with the free plan or explore the live demo.

[Get started free](https://app.talvo.eu/)

[Explore the live demo](https://demo.talvo.eu/)

7-day free trial · Cancel anytime · Made in Europe

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## Product

- [Features](https://talvo.eu/#features)
- [Live demo](https://demo.talvo.eu/)
- [Compare](https://talvo.eu/#compare)
- [Pricing](https://talvo.eu/#pricing)

## Guides

- [Budgets & rollovers](https://talvo.eu/how-to-set-budgets.html)
- [Using Insights](https://talvo.eu/how-to-use-insights.html)
- [Managing categories](https://talvo.eu/how-to-manage-categories.html)

## Compare

- [vs Copilot Money](https://talvo.eu/talvo-vs-copilot-money.html)
- [vs Monarch Money](https://talvo.eu/talvo-vs-monarch-money.html)
- [vs Bilance](https://talvo.eu/talvo-vs-bilance.html)

## Legal

- [Privacy Policy](https://talvo.eu/privacy-policy.html)
- [Terms of Service](https://talvo.eu/terms-of-service.html)
- [Cookie Policy](https://talvo.eu/cookie-policy.html)
- [Legal Notice](https://talvo.eu/legal-notice.html)
- [FAQ](https://talvo.eu/#faq)

© 2026 Talvo · Made in the EU · Developed by MAES IT CONSULT · Contact: [info@gettalvo.com](mailto:info@gettalvo.com)

For agents: [llms.txt](https://talvo.eu/llms.txt) · [Sitemap](https://talvo.eu/sitemap.xml)