# Monefy alternative

> Monefy is extremely fast for logging expenses, but it does not connect to banks: "no bank login required", says its site. Whisper Money keeps the manual entry and adds bank connections and statement import.

Monefy is the fastest expense-logging app there is: open it, tap an icon, type the amount, done. It is among the highest-rated in Spain and its core is free, with an optional upgrade for unlimited accounts, recurring transactions and advanced filters. Its own site explains the trade-off plainly: "you can import statements manually or add expenses in seconds, no bank login required".

## Head to head

| Dimension | Monefy | Whisper Money |
| --- | --- | --- |
| Price | Free core plus an optional paid upgrade; its site does not publish the price of that upgrade (checked 18 August 2026). | Price published, with a free plan and a paid plan in euros. |
| Where the transactions come from | You log them. It does not connect to banks, as a product decision: "no bank login required". | The banks that connect over PSD2 come in on their own; everything else you log by hand or import. |
| Syncing between devices | Through your own Google Drive or Dropbox. | The same account in the browser and on your phone, with no external storage in between. |
| Scope | Expenses and income split by category. | Spending, budgets, cash flow and net worth, with brokers, crypto, property and loans. |

## Logging fast is free; remembering to log is not

Monefy's design is a good one, and its decision not to connect to banks is deliberate rather than a gap: it prioritises simplicity, speed and privacy, and says so on its site. For anyone living in cash, or anyone who wants to feel each expense as they record it, it works better than any aggregator.

The problem with manual logging is not the effort per entry, which is two seconds. It is coverage. Direct debits, subscriptions, the account maintenance fee and the purchase you made from your phone without thinking are precisely the expenses you do not log, and they are the ones that throw the month off. A manual history ends up being a history of what you remembered, which is not the same as what you spent.

Whisper Money keeps the manual part — you can log cash in two taps from your phone — and adds what the bank connection brings on its own. And if you would rather not connect the bank, the importer lets you upload the statement without handing credentials to anyone.

## What changes when you move from Monefy to Whisper Money

- Direct debits, subscriptions and fees come in by themselves: they do not depend on you remembering.
- PSD2 connection is optional. If you do not want to connect the bank, you import the statement and that is that.
- CSV, XLS and XLSX import with column mapping: the file Monefy exports goes straight in.
- Logging cash by hand from your phone is still fast.
- Category budgets on a weekly, biweekly, monthly or yearly period, with alerts.
- Cash flow: income against spending month by month, not just how the spending splits.
- Net worth with brokers, crypto, property and loans.
- Automation rules and optional AI categorisation, if you consent to it.
- Web and mobile on the same account, with no syncing through Drive or Dropbox.
- Interface in English, Spanish and French, public code, and no data shared with third parties.

## How to migrate from Monefy to Whisper Money, step by step

Monefy exports your data to CSV or Excel according to its own guide, and that is all it takes. Since Monefy does not split transactions by bank account, the usual approach is to import them all into a single cash account and carry on from there.

1. **Export your records from Monefy** — Use its export-to-file feature and save the CSV somewhere you can reach from a computer: Drive, Dropbox or your own email all work.

2. **Create the destination account** — Create a cash account, which is the closest match to what Monefy held. Banks, if you want them, get connected separately afterwards.

3. **Upload the file** — Under Transactions, open the importer, pick that account and drag the CSV in. It also accepts .xls and .xlsx if you have been through a spreadsheet.

4. **Confirm the column mapping** — You confirm the date column, the description column and the amount column. If the file carries expense and income separately, merge them beforehand into one column with expenses negative. You pick the date format from DD-MM-YYYY, YYYY-MM-DD, MM-DD-YYYY and YYYYMMDD and check the first three rows already parsed.

5. **Import, then decide about the bank** — In the preview you see the total, the selected rows and the duplicates, unticked by default. On confirm your automation rules run. From then on you can keep logging by hand as you did in Monefy, connect the bank so it comes in on its own, or do both at once.

## What people already using it say

> I used to keep everything in a spreadsheet and it took forever — now I have my bank under control and add cash payments manually. Great work!
>
> — Haru

> I just started syncing my accounts and it already feels like a great app. The interface is lovely and it looks like a really solid tool. Great work!
>
> — Brian Bansuela

## Join the people who moved from Monefy

You can keep the best of Monefy — logging in two taps — and stop chasing the direct debits you never logged. The free plan asks for no card.