Why Moniqo
Why Moniqo, and where it fits
Most money apps stop at “track your expenses.” The real job is bigger: to actually see where your money goes, know what’s coming, and keep it all in one place — across every bank, card and currency. That’s what Moniqo is built to do, with privacy by default and nothing to upsell you.
What makes Moniqo different
Every currency, auto-converted
Track money in any currency. Moniqo pulls it all into your base currency using live rates — no mental maths.
No aggregators
You bring the statements your bank already emails you. Moniqo never asks for your bank login, and nothing gets scraped.
Privacy you can check
AI only ever sees redacted numbers. If we ever need to look at your data, you approve it with a code — and it’s all logged where even we can’t edit it.
Real-world banking depth
Statement parsers for real banks, a rent-cheque calendar, tax context. New regions and bank parsers being added continuously.
Free, and not a bank
No card to open, no fund to buy, no ads. We make money from a future subscription — not from you or your data.
An honest comparison
These describe general patterns across categories of apps and Moniqo’s own facts — not a verdict on any one product. Plenty of these apps are excellent at what they set out to do.
| What matters | Moniqo | US-focused budgeting apps | Banking / investing super-apps | Generic multi-currency trackers |
|---|---|---|---|---|
| Multiple currencies, auto-converted | Yes | Often one currency | Usually one home currency | Yes |
| How it gets your data | You import statements | Often via aggregators | Tied to their own account | Manual + aggregator |
| Sells data or shows ads | No | Varies | Often monetises elsewhere | Varies |
| Statement parsers for local banks | Yes | Rare | Home-market only | Rare |
| Access needs your consent | Yes | Varies | Varies | Varies |
| Price | Free at launch | Usually paid | Free (monetised elsewhere) | Free / paid |
Moniqo is a great fit if…
- • your money lives in more than one currency or country
- • you want clarity without handing over your bank logins
- • you’ve outgrown a spreadsheet but don’t want a bank or broker attached
It’s honestly not for you (yet) if…
- • you want live bank-API sync — Moniqo imports statements by design
- • you need a native iOS/Android app today — we’re web-first for now
- • you want investing or banking inside the app — Moniqo is a tracker
See your money clearly — free.
Start freeNo card. Or read the privacy architecture first.