If you have tried other expense trackers, you already know the pattern. The app asks for your bank login. It connects through a third party in the United States. It works for one country. It misses half your accounts. It categorizes the easy ones and gives up on the rest. Then it shows you a dashboard that looks busier than your actual life.
We built Spentio because that was the only option, and it was not good enough.
What Spentio actually does
You hand it a bank statement. Any bank, any country, any format. PDF, CSV, screenshot. The AI reads it, identifies every transaction, categorizes it, and adds it to one consolidated view of your money. No login to your bank. No third-party data brokers. No setup wizard that takes a weekend.
That is the whole product. Everything else is what we do with that data once it is in.
What Spentio gives you, day one
Budgets that run themselves. Set a monthly limit on any category. Spending tracks itself. You get a heads-up before you cross the line, not a postmortem after.
Every account. Every currency. One view. Your bank only ever shows you its own account. Spentio shows you all of them. CHF, EUR, USD, GBP, MXN. Multiple banks. One real total, kept honest by daily exchange rates.
Every recurring charge, found. Subscriptions, insurance premiums, utilities, the phone bill you forgot you signed up for. Surfaced automatically with the next due date attached. Nothing keeps charging you in the dark.
Spending, sorted. Every transaction categorized from the first import. Housing, groceries, transport, dining, subscriptions. Always up to date. No spreadsheet maintenance.
Your savings rate, not a guess. Set a target as a percentage of income. Spentio calculates the actual rate from real data. You know whether you are building wealth or just keeping pace.
The 10-year view of one decision. Move a slider on income, expenses, or investment rate. See instantly how a small change today compounds over a decade. Most apps show you last month. Spentio shows you the next ten years.
Compare years, not just months. See this April against last April. This year's groceries against the year before. Spentio keeps your full history aligned so patterns are visible at a glance: lifestyle creep, seasonal spikes, the categories that are quietly growing.
Why we built it the way we did
AI does the boring work. A trained model reads statements and classifies transactions in seconds. The work that used to be a Sunday afternoon is now a 30-second upload. AI is not a feature here. It is the engine.
No bank login. Ever. Apps that ask for your bank password store an access token that acts as a permanent key. If they get breached, that key is the entry point. Spentio never asks. You decide what you upload and when. When you delete your account, the data is gone.
Works with any bank in the world. Because we read statements instead of integrating one bank at a time, Spentio works the same in Zurich, Madrid, Mexico City, or São Paulo. No "supported bank list" to check. No "we are working on your country."
Swiss-hosted. GDPR and Swiss DSG compliant. Your data lives in Switzerland under two of the strictest privacy regimes in the world. Not because it is a marketing line, but because it is where we wanted our own data to live. Built to a Swiss standard of quality: precise, calm, and quietly reliable. The same care we want from a bank, a watch, or a train.
Multi-currency, natively. If your life crosses borders, Spentio was designed for you from day one. Salary in CHF, rent in EUR, contractor income in USD: all consolidated, all converted, no manual reconciliation.
Who Spentio is for
People with more than one bank. People who travel, freelance, or live across countries. People who tried the bank's own app and found it useful for one quarter of their money. People who want clarity over noise, and who care where their data lives.
If that is you, you can try Spentio free, in under five minutes, with one statement.
The blog is just getting started. More posts are on the way: comparison guides, country-specific deep dives, AI explainers. For now, the most useful thing we can show you is the product itself.