EveryPenny vs SpendView

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

Your money, finally clear. SpendView connects to your bank and turns your spending into something you can actually see without receipts, spreadsheets, or typing in every purchase. CONNECT YOUR BANK Link an account from thousands of US banks and credit unions. From that moment on, every new purchase is imported for you, with the merchant name cleaned up and a category already suggested. You stay in control. Imported transactions land in a review inbox and are never silently added to your budget. Swipe away what isn't worth tracking, tap a chip to change a category, or hit Confirm All and be done in seconds. Connect up to 10 accounts, so checking, savings, and credit cards all flow into one picture. BUILT TO SHOW ONLY WHAT MATTERS SpendView doesn't dump years of history on you. It starts from the day you connect and moves forward, so your first week is your actual spending, not a wall of old statements you'll never review. Transfers between your own accounts and credit card payments are filtered out automatically, so moving money doesn't get counted as spending. Transactions appear once they've posted at your bank, which means the amount you approve is the final one. No pending charges that change later. OR JUST SAY IT Not everything comes from a linked account. Like cash purchases for example. Say "coffee at Starbucks, five dollars" and SpendView works out the amount, the merchant, and the category. Cash, splitting with a friend, the farmers market, logged in the time it takes to say it. SEE WHERE IT ACTUALLY GOES • Categories that match how you really spend • Monthly budgets with progress at a glance • Charts that make the pattern obvious • Everything in one place, always current PRIVACY AND SECURITY Bank connections are handled by Plaid, the service trusted by thousands of financial apps. SpendView never sees or stores your bank login, account numbers or routing numbers. You can disconnect any account at any time, and doing so removes SpendView’s connection to it completely. SpendView requires a subscription. Bank connection and auto-import are included. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://getspendview.app/privacy-policy