Good for tracking current spending, but reporting and account connections need improvement
In general, Frollo is ok and works well enough for tracking my current expenses and getting a quick view of where my money is going.
My main issues are with the historical spending reports and account connections. When I look at expenses for previous periods, the totals are often not accurate because not all transactions seem to be included in the category calculations. To get reliable figures, I usually have to export the data and do the calculations myself in a spreadsheet.
I also have to relink my AMEX credit card almost daily, which becomes quite frustrating and makes it difficult to rely on the app for an up-to-date view of my finances.
I’d also love to see more flexibility with categories. It would be much better to have categories and subcategories. For example, I’d like to track all my eating out expenses together while still being able to classify transactions as coffee, takeaway, restaurants, pubs, etc. At the moment, it feels too granular if I don’t want separate budgets for each of those.
My main issues are with the historical spending reports and account connections. When I look at expenses for previous periods, the totals are often not accurate because not all transactions seem to be included in the category calculations. To get reliable figures, I usually have to export the data and do the calculations myself in a spreadsheet.
I also have to relink my AMEX credit card almost daily, which becomes quite frustrating and makes it difficult to rely on the app for an up-to-date view of my finances.
I’d also love to see more flexibility with categories. It would be much better to have categories and subcategories. For example, I’d like to track all my eating out expenses together while still being able to classify transactions as coffee, takeaway, restaurants, pubs, etc. At the moment, it feels too granular if I don’t want separate budgets for each of those.
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Response from developer
Thanks for the detailed feedback, Laly. We're glad Frollo is helping you track your spending. We'd love to investigate the reporting issue, as transaction totals should be accurate, there might be some filters you have applied, please raise a ticket so we can assist you on this. Regarding AMEX, recurring verification is typically related to the security method (sessions) and provider requirements rather than Frollo itself. More information is available here: https://help.frollo.com.au/hc/en-au/articles/15605410482959-Troubleshooting-Recurring-Verification-for-Yodlee-Syncs We've also noted your suggestion for category hierarchies and subcategories, this is to let you know it's in our roadmap to improve. Team Frollo
Frollo is amazing budgeting tool
Tommy and Team are amazing. App is so cool and helps me with my budgeting across multiple banks
Simple and effective.
I have used this app for a couple of years now. I love the layout. I use it everyday to see an overall picture of my finances.
Awesome
Don’t really understand why some reviews are so harsh. People seem to forget this app is free.
It connects through Open Banking, no need to share passwords, and it actually works. I can categorise every transaction properly, set budgets, and see where my money goes in one place.
For a free app, this is seriously impressive. Clean interface, easy to use, and does exactly what I need.
If you just want to track spending without paying for fancy extras, this is more than enough.
It connects through Open Banking, no need to share passwords, and it actually works. I can categorise every transaction properly, set budgets, and see where my money goes in one place.
For a free app, this is seriously impressive. Clean interface, easy to use, and does exactly what I need.
If you just want to track spending without paying for fancy extras, this is more than enough.
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Very good!
This takes some initial setup (a few hours to go through and make sure everything is categorised correctly) but now that I’ve done that I think it will be a very useful app.
Some things I wish I had realised before I started setting it up:
- You can go into Settings > Security and change how much time passes before your password is required. It was very annoying to enter my password every single time I exited the app (e.g., to cross-reference a transaction in my bank account) so I wish I had changed this setting sooner!
- To select multiple transactions at once, go to Portfolio > Transactions, and click ‘Select’ (in the top-left corner). This makes things SO much faster!
- To delete or rename new categories you have made, go to Settings > Buckets & categories Also, definitely look things up on the Frollo website FAQ, this app has a lot more functionality than I realised because I didn’t think to look it up!
Some suggested improvements:
- The multi-select option could also be available under Cashflow when I click on a category (e.g., Transfer In)
- When I select a transaction and then exit it again, the “transactions” page seems to refresh and I lose my place. For example, if I scrolled down to April 2025 and selected a transaction to recategorise it, when I exit the transaction I am taken back up to February 2026. It is a relatively minor issue but it would be really nice if when I exited I kept my place on the Transactions page.
Some things I wish I had realised before I started setting it up:
- You can go into Settings > Security and change how much time passes before your password is required. It was very annoying to enter my password every single time I exited the app (e.g., to cross-reference a transaction in my bank account) so I wish I had changed this setting sooner!
- To select multiple transactions at once, go to Portfolio > Transactions, and click ‘Select’ (in the top-left corner). This makes things SO much faster!
- To delete or rename new categories you have made, go to Settings > Buckets & categories Also, definitely look things up on the Frollo website FAQ, this app has a lot more functionality than I realised because I didn’t think to look it up!
Some suggested improvements:
- The multi-select option could also be available under Cashflow when I click on a category (e.g., Transfer In)
- When I select a transaction and then exit it again, the “transactions” page seems to refresh and I lose my place. For example, if I scrolled down to April 2025 and selected a transaction to recategorise it, when I exit the transaction I am taken back up to February 2026. It is a relatively minor issue but it would be really nice if when I exited I kept my place on the Transactions page.
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Linking issues
App is good in general but linking issues are annoying. I cannot link my Selfwealth account anymore because 2FA sends a code to my email but there is no way to enter it on Frollo.
Has potential, but mislabeled too many transactions
This app has great potential but the biggest problem I have is that it obviously uses hard coded keywords to categorise transactions with very poor "matching" logic. I have a Virgin Go account and every internal btransaction to and from that account is incorrectly flagged as a Latitude Go MasterCard payment (likely due to the word Go in the account name!)! With no option to bulk correct this I'd have to manually alter hundreds of transactions to fix.
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Rubbish at data sharing
Have been trying to renew data sharing but just get blank screens. Gave up. Tried to send a help request but stuck on one entry box and won’t let me send. Very clunky and too difficult
Can’t even create an account
Trying to check it out as it might be one of the few apps that checks all the boxes, but fails to get past account creation. Guessing their backend setup is so poor it’s hit-and-miss. Make you wonder how hard they’d try to secure data if they can’t even support the signup.
Slow and makes mistakes
This app is a great idea, and if it worked as it should it would be great. For me it has copied some transactions twice, leaving me a double net worth. It is very slow at processing transactions and does not classify them accurately, even after editing them. I have labelled accounts to be excluded from budgeting, but they are still included. I can see all of my transactions, which is great, but I can’t draw any conclusions from it all as it’s all a mess due to the inaccuracies. Other than this it has a lot of potential.
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A really descent app, I just wish you guys had a desktop and iPad version
I really like the app, i just wish there was an iPad version for desktop version for a bigger screen size. I think there is a lot of potential here.
Better than the paid alternatives.
I tried other paid apps but kept coming back. Thanks for making such a great app!
Great App, But…
It would be awesome if we could customise our own buckets and create our own (i.e Discretionary, Debt etc.)
My trusted money tracker.
I’ve been using Frollo for years, and I’m really happy with its approach to categorisation and buckets. It requires some discipline to check your transactions, but otherwise provides great insight into your spending and where you can save. Really been impressed with its ongoing development and upgrades too. Good work.
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Amazing helper
Frolo is just an amazing app. It's so easy to link your Australian bank accounts, including PayPal and Superannuations. Have a central view, let Frolo auto-categorise all the transactions. There's very few which you have to override and let Frolo create statistics for you so it's very easy for you to see where you spend most of your money. It also gives you upcoming potential bill payments based on the past. This app is so helpful. Can’t recommend it more. I hope they are planning to build an iPad version of that app, too.
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A good app, but requesting too much user info
As per the title, I’ve ceased using this app due to additional mandatory information being requested by the app on things like salary, occupation, home address. A big no no from me. The experience was good while it lasted.
Filter transactions by “no tags”
Max profits and reduce global scams by implementing a feature where users can filter transactions that have “no tags” like Bear notetaking app.
Update issues
Since the new update I haven’t been able to access or set up my buckets/categories :(
Will not link up to accounts
After using another tracker that had closed down, I was hoping this would be a good replacement. Unfortunately the linking process to my bank accounts was a clunky experience that resulted in nothing linked. Off to try a paid app. I guess you get what you pay for
Not accurate
As other users have experienced, this app just misses large numbers of transactions. In my case I had given permission to track credit card use and could see all the transactions but Frollo was not counting any of them as an expense providing a totally inaccurate net and expense position.
