Monibex vs EveryPenny

Monibex helps you get your finances in order — every day, without unnecessary complexity. You can see your expenses and income, plan your budget, save for goals, and manage a shared family budget. Monibex AI assistant works in the background: analyzes your finances, suggests smarter spending, and helps answer your financial questions. Monobank Integration Connect your Monobank account in seconds Automatic transaction sync — no manual entry needed All your card expenses appear instantly in the app Full picture of your finances in one place Expense and Income Tracking Quick expense entry in seconds Convenient income and expense categories View expenses by day, month, or period Family Budget Shared budgets for couples or families Multiple users in one workspace Transparent expense visibility for everyone Financial Goals and Savings Travel, purchases, car, or financial cushion Track savings progress Understand how much to save monthly Reports and Analytics Visual expense charts Breakdown by categories Understand where your money goes AI Tips and Analysis Expense summaries for periods Identify expenses that "eat up" your budget Recommendations on where to optimize spending Gentle reminders not to exceed budget limits Accounts and Funds Cards, cash, deposits Monobank account sync Multiple accounts in one app Complete financial picture Who Monibex is For Personal finance control Family budgeting Financial goals and savings Monobank users who want automatic expense tracking Those who want a simple app with smart tips Monibex — simple budgeting with smart AI support. No complex tables. No stress. Every day. Note: Some features require a subscription purchase. Subscription plans are available: Personal, Smart, and Family with monthly or annual billing options. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Terms of Use: https://monibex.com/terms-of-service Privacy Policy: https://monibex.com/privacy-policy

There is a number somewhere — the real one. The one that accounts for the savings account you opened in Poland, the Revolut balance in euros, the Ukrainian hryvnias you left in Monobank, and the current account you still use back home. Most finance apps give you a fragmented view of one country, one currency, one bank. EveryPenny brings all of it into one calm, honest total. WHAT EVERYPENNY DOES • One True Total. Connect all your accounts and see a single net worth figure in any currency you choose, updated with live exchange rates. EUR, UAH, PLN, GBP and more — no manual conversions, no spreadsheet. • Crypto, in the same total. Connect Bybit with a read-only key — your coins and Bybit Card spending sit beside your bank accounts. Penny can read; it can never trade or withdraw. • Free in Ukraine. Monobank and Bybit connect at no cost — the full app. Penny+ covers European bank connections, which we pay for per bank. • Subscription Scanner. Every recurring charge across every connected account, surfaced in one place. The streaming service you forgot about, the SaaS trial that converted, the insurance that renewed — Penny finds them and shows you what you are actually spending every month. • Privacy by design. EveryPenny does not run ads. It does not sell your financial data. It does not share transaction information with advertisers or data brokers. The business model is a subscription you pay — which means the product works for you, not around you. • Multi-currency on every transaction. Every transaction is tagged with its original currency and converted at the rate that applied when it happened. See your spending in local currency or in your home currency — your choice, always. • Bank sync via Open Banking / PSD2. Connect your real bank accounts through secure, regulated Open Banking connections. Read-only access — EveryPenny never touches your money, it only reads the picture. • Budgets and calm nudges. Set monthly limits by category. Penny — the app's small, thoughtful guide — will let you know when you are getting close, without alarm. No red banners, no stress scores. Just a quiet heads-up. • Built for life between countries. Whether you have three accounts across two countries or five currencies in daily use, EveryPenny is designed for the reality of modern financial life — where home is complicated and money follows you across borders. ON PRIVACY EveryPenny is funded entirely by subscription. That means there are no advertising partners, no data licensing arrangements, and no incentive to harvest behavioral data. Your transaction history, account balances, and spending patterns are used to power features inside the app — and nowhere else. No ad identifiers. No third-party analytics that know your name. The full privacy policy is available at everypennyapp.com/privacy. WHO IT IS FOR EveryPenny is for people whose financial lives do not fit neatly inside one country or one currency. Ukrainians living in Poland, Germany, or the Czech Republic who still hold accounts back home. Expats managing salaries in one currency and rent in another. Digital nomads who have accumulated a small collection of Revolut, Wise, and local bank accounts over the years. Anyone who has ever opened a spreadsheet just to answer the question: how much money do I actually have right now? If your finances live in more than one place, EveryPenny is the one place to see all of them. TO GET STARTED Download EveryPenny, connect your first account, and see your actual total. The app walks you through each step, and Penny is patient. There is no pressure, no upsell the moment you arrive, and no wall of configuration before you can see something useful. Just your money, clearly. Terms of Use (EULA): https://everypennyapp.com/terms Privacy Policy: https://everypennyapp.com/privacy