Mint closed in 2024, and the apps Americans moved to next mostly stop at the border. Monarch says it is only available in the US and Canada, and Copilot only supports US banks. If you bank in Europe, the usual "best Mint alternatives" lists send you to apps that can't see your accounts.
Here's what actually works with a European bank in 2026, and what each one asks of you.
What to look for in a Mint alternative in Europe
- Does it work with your bank? Bank-sync apps cover a list of supported banks, and that list rarely includes every regional bank or the account you still have in another country. Reading your statements works with all of them.
- Can it read what your bank already gives you? Plenty of banks hand you a PDF statement and little else. An app that only takes CSV or OFX files leaves the converting to you.
- Does it handle more than one currency? A salary in euros, rent in francs, a weekend in pounds. Many budgets assume a single currency.
- Does it need your bank login? A bank connection holds ongoing access to your accounts. A statement you upload doesn't.
The alternatives at a glance
| App | How transactions get in | Reads PDF or photo statements | Free plan | Several currencies in one budget | Logs Apple Pay the moment you pay |
|---|---|---|---|---|---|
| Spentio | Upload a statement, the AI reads it | ✅ | ✅ | ✅ | ✅ |
| Wallet by BudgetBakers | Bank sync on Premium, or a CSV, Excel or OFX file | ❌ | ✅ | ✅ | ❌ |
| YNAB | Bank sync for select banks, or a CSV, OFX or QIF file | ❌ | ❌ | ❌ | ❌ |
| PocketSmith | Bank feeds on paid plans, or an OFX, QIF or CSV file | ❌ | ✅ | ✅ | ❌ |
Spentio: upload your statement, done
Drop in the statement your bank already gives you, as a PDF, a screenshot or a photo of your banking app. The AI reads every transaction, categorizes it and spots your subscriptions. It works with any bank in any country, and it never asks for your login.
Each account keeps its own currency, so euros, francs and pounds sit side by side, and your budgets add them up in your home currency. Your data is stored in Switzerland, under Swiss law and the EU's GDPR. The free plan reads your statements in full.
Pay with Apple Pay on your iPhone and the expense is already in Spentio, the moment you pay. Here's how automatic logging works.
Statements come in when you decide, once a month is plenty, and there's no connection to keep alive in between.
Wallet by BudgetBakers
A European favorite, built in the Czech Republic. It runs on iPhone, Android and the web, and handles several currencies with automatic exchange rates. Worth knowing: bank sync is a Premium feature, and file import takes CSV, Excel or OFX files, not PDF statements or photos.
YNAB
A budgeting method with a loyal following, and since 2025 it syncs with select European banks. Worth knowing: there's no free plan ($14.99 a month or $109 a year), each budget runs in a single currency, and file import accepts CSV, OFX and QIF files, not PDFs.
PocketSmith
Known for its cash flow forecasts, with bank feeds in the UK and Europe and live currency conversion. Worth knowing: the free plan has no bank feeds, the cheapest paid plan connects banks in one country only, and its own help center says PDF statements aren't accepted.
Bottom line
Mint's American heirs stop at the border, and Europe's bank-sync apps cover the banks on their list. Spentio reads the statement from any bank, in any currency, without your login. Your data stays in Switzerland. Start free.