Bankin' is a mobile app that securely aggregates all of a user's bank, savings, credit, investment and crypto accounts into a single dashboard, providing real‑time balances, transaction categorisation and budgeting tools. It also offers a built‑in cashback marketplace and premium tiers with advanced analytics and priority support, generating revenue through subscriptions and partner commissions.
Funding
$22.6M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Consumers often have multiple bank, savings, investment and credit accounts spread across different institutions, making it difficult to track balances, budgets, upcoming bills and to identify savings opportunities. The fragmentation also limits access to personalized financial insights and cashback offers.
Solution
Bankin' provides a single mobile application that securely aggregates all of a user’s financial accounts via encrypted connections to banks and other providers. The app presents a consolidated view of balances, transaction history, budgets and upcoming expenses, and offers tools to create custom categories, set alerts and export data. Premium tiers (Bankin' Plus and Bankin' Pro) extend functionality with additional account types (e.g., investments, crypto), advanced budgeting analytics, enhanced cashback boosts and priority support. The platform is regulated under European payment services directives and hosted on European servers, ensuring compliance with French and EU data‑protection laws. Partner offers and cashback campaigns are integrated directly into the app, allowing users to earn rewards while the service remains independent of any specific bank.
Target Audience
Bankin' targets individual consumers in France and Europe who manage multiple personal financial accounts and seek a unified, secure tool for budgeting, expense tracking and cashback rewards. It also serves small business owners and freelancers through the Pro tier, and financial partners looking to reach a large, engaged user base.
Features
- Secure aggregation of all bank, savings, credit and investment accounts using strong encryption and PIN‑protected access
- Real‑time balance and transaction synchronization with automatic categorization and custom user‑defined categories
- Budget monitoring with historical views, month‑over‑month comparisons and alert notifications
- Export of full transaction histories in unlimited formats for personal record‑keeping or accounting
- Integrated cashback marketplace offering personalized deals and instant credit to a user‑controlled wallet
- Premium subscription (Plus/Pro) adds support for investment and crypto accounts, advanced analytics, and priority customer support
- API‑driven partner ecosystem that suggests credit renegotiations, fee reductions and other financial products, earning commissions only when users opt‑in
- Compliance with ACPR oversight, DSP2 regulations and CNIL data‑privacy standards, with all data stored on European servers