# Flow: Auto budget & save — All your money in one place > Automated money distribution for budgeting, saving, and expense management. (iPhone/iPad app by Flow Money Automation.) - Source: https://appshunter.io/ios/app/flow-auto-budget-and-save/id1441919325 (this page in markdown: same URL + `.md`) - Developer: [Flow Money Automation](https://appshunter.io/developer/1441919324) - Category: Finance, Productivity - Price: Free - Rating: 4.50/5 from 4 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 36 MB - Languages: American English - Released: 2020-09-09 - Data updated: 2026-06-10 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/flow-auto-budget-and-save/id1441919325/reviews.md ## What is Flow? With Flow, you can distribute your money automatically across your expense, savings, and budget accounts, when and how you want, so that your money always ends up in the right place. Flow goes further than a budget manager or expense tracker because the app not only gives you insight into your expenses, but also—by means of smart transfers—does something with those insights. This way, Flow has a direct impact on your spending pattern and your piggy bank. With Flow you can easily build up healthy money habits, on your way to a financially free future. EASY BUDGET MANAGEMENT Money management doesn't happen after the fact. Saving and budget management are continuous processes that Flow automates using Triggers & Actions. A Trigger is an event that Flow notices, after which an Action is taken. As an example: a  transaction with the word 'salary' in the description (Trigger) will send 40% to your fixed costs account (Action). Or, a transaction that comes in from 'Randstad' (Trigger) has 21% VAT going to a tax buffer (Action). These Triggers and Actions together form Flows. WHAT PEOPLE SAY “It feels good, right? The idea that these kind of things are automated gives me such a relaxed feeling.” — Alexander Klöpping, CEO Blendle/Tech journalist in “Een Podcast over Media” “It works on the background, you can then trust [in your own money management system], that’s what I like about it.” — Ernst-Jan Pfauth, CEO De Correspondent in “Een Podcast over Media” “Traditional personal finance management apps require your daily or weekly attention, Flow wants you set up a money management system once so that you don’t need to look at it gain.” — De Volkskrant “Other apps look in the rear-view mirror and only show what you’ve spent… With Flow, you can look ahead and determine what you can spend on groceries or eating out next month.” — FinServ PROVEN MONEY METHODS Flow allows you to build your own money methods, exactly as you envision them. We have existing, proven money methods for those who find it difficult to come up with their own. Whether you want to: - Manage your business (Profit First) - Manage your household (Salary Splitter) - Retire early (FI/RE) - We've got you covered! HOW FLOW WORKS 1. Download the app 2. Connect your bank accounts 3. Set up your first Flows 4. Defining whether the Flow will be triggered automatically or manually 5. You're done; watch the money Flow FLOW WORKS ON TOP OF YOUR BANK(S) Flow works excellent with: - bunq - Knab Flow also integrates with major banks: ING, Rabobank and ABN AMRO. To get the most out of Flow, let these banks work together with bunq or Knab. Soon, Flow will roll out more banks. FLOW AND YOUR DATA Your money and data are too important to compromise. The Dutch Central Bank (DNB) and the Netherlands Authority for Financial Markets (AFM) supervise Flow as a licensed financial app. As an ISO27001-certified company, Flow excels at information security. In other words, we have to comply with specific rules and standards, and our compliance is checked. This is very important to us, because your money and data must be safe at all times. Also see: https://flowyour.money/privacy. UNDER THE SUPERVISION OF THE DUTCH CENTRAL BANK Flow has a PSD2 license, which is a permit from the Dutch Central Bank which allows us to offer our payment services. PSD2 stands for 'Payment Services Directive 2', a directive that ensures that European consumers (like you) can connect their bank accounts to companies like Flow, in a safe and secure manner. Since July 13, 2020, Flow is licensed to view your account information (Service 8) and initiate payments (Service 7), but only with your permission. You can find us in the DNB Register of Payment Institutions under number: R166735. Download Flow now and get started for free! ## Key features - Automated money distribution - Smart transfers for insights - Triggers & Actions for automation - Proven money methods (Profit First, FI/RE) - Connect bank accounts - ISO27001 certified security ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/flow-auto-budget-and-save/id1441919325/reviews.md ### 1/5 — Fantastic idea, doesn’t seem to actually work *2024-02-25* This is a fantastic idea, in fact, it’s something I asked my bank about years ago when they asked me for ideas on how to improve their apps during a phone survey. So I was thrilled to discover it existed in the App Store. Sadly, it doesn’t seem to actually work, I can’t get it to connect to a bank account. I even opened an account with one of their supposedly supported banks. I can only assume that either they don’t support UK accounts, or it just doesn’t work. Sadly their support channels haven’t even acknowledged my messages to them. ### 3/5 — please add banks! *2024-02-10* this sounds like the perfect app! i use the PF system in my business so this would be so incredibly beneficial. there are only a couple banks that are able to be linked and i am not going to open new accounts just to use an app. i’ll be patiently waiting! 🙏 ## Frequently asked questions about Flow ### How does Flow automate my finances? Flow uses a system of Triggers and Actions to automate money distribution. For example, a 'salary' transaction can trigger 40% to be sent to your fixed costs account. This automation helps manage your money without constant manual intervention. ### What banks does Flow work with? Flow works excellently with bunq and Knab. It also integrates with major banks like ING, Rabobank, and ABN AMRO, though it's recommended to use them in conjunction with bunq or Knab for the best experience. ### Is Flow secure? Yes, Flow is supervised by the Dutch Central Bank (DNB) and the Netherlands Authority for Financial Markets (AFM) as a licensed financial app. It is also an ISO27001-certified company, indicating a high standard of information security. ### Does Flow have ads? Yes, Flow contains advertisements. As a free application, advertisements are used to support its operation. ### What are the 'money methods' in Flow? Flow offers pre-built, proven money methods like 'Profit First' for business management, 'Salary Splitter' for household management, and 'FI/RE' for early retirement. You can also create your own custom methods. ### How often is Flow updated? The latest version of Flow is 2.9.41, and it was last updated on August 28, 2023. This indicates a relatively frequent update cycle to improve functionality and security. ### What devices can I use Flow on? Flow is available for iPhone and iPod devices. It is designed for iOS users looking to manage their finances on the go. ### What is the age rating for Flow? Flow has an age rating of 4+, making it suitable for a wide range of users. This indicates that the content is generally appropriate for all ages. ## Version history (last 5 releases) ### 2.9.41 — 2023-08-28 Turbo-charged our engine for smoother sailing! Enjoy a snappier experience in this update.he app is a lot smoother now ### 2.9.20 — 2023-05-17 Another step towards smarter money automation: you can now criss-cross triggers and actions for different bank accounts. Did you receive your salary? You can now automatically let that be the trigger for the leftovers of your grocery account to be swept to savings. ### 2.8.0 — 2023-02-28 Remember how we’re building the central hub for all your money? Here’s a pretty big update: it is now possible to send one-time payments to your Flow Contacts and your own accounts. Did you go out with friends, and you need to split the bill? Did you run out of grocery money in the middle of the month? Make one-time payments directly from the Flow app. ### 2.7.5 — 2023-01-31 Having a hard time sticking to your own money plan? We’re there to help with flexible scheduled payments! We just released “flexible scheduled payments” the possibility to edit a scheduled payment before you actually make them. So if you find automation scary.. Just set your flow to manual, wait for the notification to come in and decide to approve, reject or adjust your flow on the spot. Awesome right? How technology can help you making better decisions. ### 2.7.4 — 2023-01-18 More improvements have been made: - We’ve added the transaction history per account to your account tab! Want to know how your money is doing in central place? Add all your accounts and view what’s happening ## Apps similar to Flow | App | Rating | Price | Category | | --- | --- | --- | --- | | [Financial Overview](https://appshunter.io/ios/app/financial-overview/id1118912417) | 4.9 (24) | Free | Finance | | [Spendle](https://appshunter.io/ios/app/spendle/id1441881620) | — | Free | Finance | | [Knab Bankieren](https://appshunter.io/ios/app/knab-bankieren/id529493145) | 4.8 (83) | Free | Finance | | [Mijn Aegon](https://appshunter.io/ios/app/mijn-aegon/id697725334) | 4.0 (18) | Free | Finance | | [ING Commercial Card](https://appshunter.io/ios/app/ing-commercial-card/id1292898583) | 1.1 (7) | Free | Finance | | [Coverflex](https://appshunter.io/ios/app/coverflex/id1534924147) | 5.0 (44) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*