An alternative to Wallet, by BudgetBakers
Wallet, from the Czech company BudgetBakers, is one of the longest-running finance managers in Europe: it claims more than 14 million downloads and more than 15,000 bank connections, and it is among the highest-grossing finance apps in Spain. It is a solid product with years behind it. The differences are in the price, which it does not publish, and in what it costs to move your own data.
Ver esta página en españolHead to head
| Dimension | Wallet (BudgetBakers) | Whisper Money |
|---|---|---|
| Price | Publishes no rate on its site: it mentions a free trial and premium users, with no figures (checked 18 August 2026). | Price published on the pricing page, with a free plan and a paid plan in euros. |
| Moving your history | Exports to CSV and XLS from its web app by selecting transactions. Its help centre states the export is a premium feature and that it does not include budgets, goals or recurring payments. | Importing CSV, XLS and XLSX with column mapping is included in the free plan. |
| Investments and crypto | Focused on accounts, cards and budgeting. | Brokers and exchanges inside net worth: Indexa Capital, Interactive Brokers, Binance, Bitpanda, Coinbase and Wise. |
| What you can verify | Closed source. | Public code on GitHub. |
What it costs to leave
The interesting comparison with Wallet is not about features, because it has nearly all of them and has had them for longer than we have. It is about reversibility: what you take with you if you ever decide to go.
Its own help centre documents the route. In the web app, the Records section, you filter, select the transactions and choose "Export to CSV" or "Export to xls". The same page states that it is a premium feature, and that what comes out is the transactions — date, amount, category and account — not your budgets, your goals or the recurring payments you set up. Which is to say: part of what you built over years does not travel with you.
The other difference is the price, which its site does not publish. Knowing what you will pay before installing anything is not a cosmetic detail: it is the first thing you want to compare while you are still deciding.
None of this makes Wallet a bad application. They are two different product decisions, and both can be verified today on their respective pages.
What changes when you move from Wallet (BudgetBakers) to Whisper Money
- Price published on the site, with nothing to install to find it out.
- A free plan with statement importing included, not behind the paid plan.
- The CSV or XLS file you export from Wallet goes straight in, with column mapping and duplicate detection.
- The mapping is saved per account: the second import from the same source needs no setup.
- Brokers, crypto and Wise integrated into net worth.
- Property and loans, for the complete net worth figure.
- Your own automation rules, to rebuild your categories in a single pass.
- Optional AI categorisation that learns from your corrections, if you consent to it.
- A full web app, not only mobile, and installable as an app on your phone.
- Interface in English, Spanish and French, 33 currencies, and public code on GitHub.
How to migrate from Wallet (BudgetBakers) to Whisper Money, step by step
Wallet exports to CSV and XLS, which are exactly two of the formats the importer expects. The move is one file per account.
Export from Wallet
In its web app, go to Records, filter by account and by the widest date range you have, click "Select all" and use the Export button to choose "Export to CSV" or "Export to xls". Repeat account by account, so each file matches one destination account here.
Create or connect the destination account
If your bank connects over PSD2, connect it and let it bring in the recent transactions. If not, create the account by hand. The importer always asks which account the transactions go to.
Upload the file
Under Transactions, open the importer, select the account and drag in the .csv or .xls you just exported. It also accepts .xlsx.
Review the column mapping
The importer proposes columns from their headers. You confirm date, description and amount, and you can join several columns into the description — the note and the payee, for instance — and pick the date format from four options. The three-row preview tells you whether it guessed right before you continue, and the mapping is saved for that account.
Recover the categories as rules
Wallet's export carries each transaction's category, but not your rules. On import, the automation rules you have created here run, and whatever is left unclassified the AI handles if you turn it on. In the preview you see the total, the selected rows and the duplicates before confirming.
What people already using it say
I drop in my bank’s CSV and it works out the columns and categories on its own. The part of doing my finances I used to dread is just gone.
I've tried a load of apps that never quite fitted. Apps also scare me a little, because years ago I spent months entering data into one that was working nicely — I was on the paid version — and six months later it disappeared and I lost all the information, and above all the time. Yours looks very good.
Join the people who moved from Wallet (BudgetBakers)
If you already have the export, the move is five minutes per account. And if you only want to try before deciding, the free plan includes importing and asks for no card.