How it works
- Choose your bank. Search among 2,700+ banks in 29 countries.
- Approve it in your bank. You confirm in your own bank's app or website, with your usual login. Your password stays with your bank.
- Transactions arrive. About four times a day, plus whenever you pull to refresh. Sort each with one tap: needs, wants, invest or debt.
Read-only, by design
Read-only access. Groworth sees transactions and balances. Payments and transfers stay in your bank.
Your bank password stays with your bank. You approve access in your bank's own app.
Licensed account information provider (PSD2). The connection runs through a regulated EU provider; your data is stored in Germany, encrypted.
Connect once, synced for up to 180 days. Some banks set a shorter period; renewing takes one approval.
What bank sync costs
| App | Bank sync price | Countries |
|---|---|---|
| Groworth Pro | €5/mo · €50/yr · 3 bank accounts | 29 European countries |
| Groworth Elite | €8.99/mo · 5 bank accounts + net worth | 29 European countries |
| YNAB | US$14.99/mo · US$109.00/yr | UK and 17 EU countries |
| Monarch | US$14.99/mo · US$99.99/yr | US and Canada |
| Emma | £4.99–£14.99/mo | UK, US and Canada |
Prices checked 23 October 2026. Full comparison of 31 apps
Find your bank
Banks by country
- Germany 1,095
- Italy 342
- Norway 142
- France 132
- Sweden 126
- Spain 119
- Denmark 97
- Austria 54
- Belgium 50
- Luxembourg 47
- Portugal 47
- Finland 44
- Netherlands 38
- Poland 36
- Bulgaria 33
- Croatia 32
- Hungary 30
- Slovakia 30
- Slovenia 30
- Estonia 28
- Ireland 28
- Lithuania 28
- Romania 28
- Latvia 27
- Greece 26
- Cyprus 21
- Malta 20
- Iceland 18
- Liechtenstein 13
Every decision levels you up
Your savings goal becomes 100 levels. Saving, investing and paying off debt earn XP, and every level you reach stays yours. The bank brings the transactions; you make the decisions.