Savvy connects to your existing accounts, surfaces what your bank won't tell you, and executes your financial plan before you notice the problem.
No spam. No credit card. iOS only for now.
Most apps show you what happened. Savvy tells you what's coming. And acts.
Savvy surfaces what matters, automatically, before you think to ask. This is what shows up when you open the app.
Most apps tell you what you spent last month. Savvy flags the problem on day 18, not day 30. By then you can still do something about it.
Savings rate, year-end projection, how you rank. One screen, no spreadsheet. The report you'd spend an hour building, ready the moment the month closes.
Tap any feature to see exactly what Savvy looks like. Everything you see is real.
Most finance apps pretend you only spend in one currency. Savvy compares five remittance providers side-by-side: live mid-market rate, real fees, real total received. You always send at the best rate.
Also: The Tab for tracking who owes you, invoicing for freelance income. Manage your entire financial life in one place.
Free during beta. No credit card, no catch. We'll always have a free tier. Savvy is built for people who need a real financial edge, not people who can already afford a wealth manager.
Savvy reads your accounts to build your financial picture. It never touches your money without your say-so. Payment execution (like your payday plan running automatically) requires your explicit setup and consent first, and only ever moves money exactly the way you've configured it to. We never store or hold your funds.
Your bank connection runs through Tink, a Visa company. The same open banking infrastructure powering Europe's largest financial institutions. Your bank credentials go directly to your bank. Savvy never sees them, never stores them. Everything is encrypted in transit and at rest with AES-256.
Only you. Savvy doesn't sell your data, share it with advertisers, or use it to push financial products at you. We make money when Savvy is genuinely useful, not from your information. That's how the incentives stay aligned.
No. Savvy doesn't hold your money, issue cards, or offer credit. Think of us as the financial advisor your bank should have given you, but didn't. Your money stays exactly where it is. Savvy just makes sure it's working harder.
3,500+ banks across Europe via Tink: N26, Revolut, Monzo, Deutsche Bank, DKB, Sparkasse, ING, Barclays, BNP Paribas, Commerzbank, bunq, Trade Republic and more. If your bank isn't listed, let us know and we'll add it.
Currently across Europe: Germany, UK, France, Netherlands, Ireland, Spain, Italy and more. iOS only during beta. Android is coming.
Not because they're careless. Not because they don't earn enough. Because modern financial life doesn't fit inside one bank or one app anymore. Your salary lands in Sparkasse. Your investments live in Trade Republic. Your day-to-day spending runs through Revolut. Your savings sit somewhere else. Every app shows its own slice. None of them show you the full picture. And none of them act on your behalf.
I know this because I lived it.
I came to Berlin in 2020. The accounts multiplied almost immediately. A student account to start, a Revolut I topped up when things got tight, and a budget I kept in my head because a spreadsheet felt too confronting. The end of the month kept arriving faster than expected, with less left over than I'd planned, and no clear answer for where it had gone.
As I moved from student to professional, the income grew. The chaos followed. More banks, more obligations, more complexity. And through all of it, I was sending money home when the numbers worked out, never quite sure if I was managing or just surviving.
Every finance app I tried assumed one bank, one country, one simple life. None of them were built for this.
That line stayed with me. Because it isn't just my story. It's the story of millions of people living in Germany right now: people with real income and real ambitions who are still making financial decisions manually, reactively, and too often too late.
So I built Savvy. Not another budgeting app. Not another aggregator. An AI financial agent that understands your complete financial life across every account, every obligation, and every goal, and acts on your behalf before you even have to ask.
The accounts are already there. The income is already there. What's been missing is the intelligence to make it all work.
Join the early access list. We'll reach out when your spot is ready. No spam, no pitch, just Savvy.
iOS · Europe · Free during beta