Bilance is a mobile‑first personal finance app that links to users’ bank accounts across the EU/EEA via a regulated AIS provider and automatically imports and categorizes transactions with AI. It offers real‑time dashboards, budget creation, savings trackers, and alerts for recurring payments, plus secure data sharing for joint budgeting, all under GDPR‑compliant encryption.
Funding
$320.9K 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
Many consumers rely on manual spreadsheets or fragmented banking apps to track spending, manage budgets, and monitor recurring bills, leading to time‑consuming data entry, missed payments, and limited insight into overall financial health.
Solution
Bilance offers a mobile‑first personal finance platform that securely connects to users’ bank accounts via an authorized account information service. Transaction data are automatically imported and classified using machine‑learning models that adapt to individual spending patterns. The app presents real‑time dashboards with categorized expense overviews, budget creation tools, savings habit trackers, and alerts for upcoming recurring payments. Users can share selected financial data with partners for joint planning, while all data are stored and transmitted under industry‑grade encryption and privacy standards. This end‑to‑end automation eliminates manual entry and provides clear, actionable financial insights on a single device.
Target Audience
The primary users are individual consumers and couples in the EU/EEA seeking an automated, all‑in‑one solution for personal budgeting, expense tracking, and shared financial planning.
Features
- Direct bank aggregation for 2,800+ institutions across the EU/EEA through a regulated AIS provider (GoCardless)
- AI‑driven expense categorization that learns from user behavior and updates in real time
- Interactive monthly reports with visual graphs, net‑worth snapshots, and customizable budget modules
- Automated tracking of recurring bills and subscriptions with proactive payment reminders
- Collaborative budgeting feature enabling secure data sharing and real‑time updates between partners
- Dark and light UI themes optimized for readability and ease of use on mobile devices
- In‑app human support for connection issues and general queries, plus a self‑service help centre
- End‑to‑end encryption and compliance with top‑tier data‑privacy standards (e.g., GDPR, ISO‑27001)