Best expense tracker app in Spain (2026)

In short

In Spain the first decision is whether you want to give the app access to your bank. If you do, Fintonic reads your accounts at Spanish banks, though its help centre says you can't log cash. If you don't, Kesef records everything without touching your bank: Bizums and cash by voice, deferred payments month by month and, on iPhone, automatic Apple Pay. Kesef's limits and six other apps are below, with sources.

Choosing an expense app in Spain has a twist other countries don't: many apps are built on connecting to your bank accounts, and others deliberately don't. Add Bizums, deferred card payments, a payslip with two extra payments and shared flats. This page lists what to ask of an app here, how Kesef does it, and a table with Splitwise, Tricount, Monefy, Wallet, Money Manager and Fintonic.

What you decide in Spain when choosing an expense app

What	Why it matters here	What to ask of the app
Bank connection or not	Some apps read your accounts; others don't ask for access.	That it says so clearly, and that what doesn't go through a bank (cash) can be logged too.
Bizum	Dinners, shared gifts, a weekend away.	That logging it takes seconds and shared costs get split.
Deferred card payments	Purchases split into monthly payments, sometimes with interest.	That each payment lands in its month and you can log the real total.
Payslip and extra pay	Salary lands on a fixed day and there are two extra payments, unless spread out.	That the month starts on payday and extra income is visible.
Apple Pay	Lots of in-store payments are made with the phone.	That those payments log themselves.
Shared flat	Bills and groceries split between flatmates.	That it splits expenses and shows who owes whom, free for everyone.

How Kesef handles each point

Bank connection: Kesef doesn't ask for access to your accounts. You log by typing, by voice, with a receipt photo or by uploading the statement, and cash goes in like everything else.
Bizum: add it as a payment method with one tap and log each one as it happens. If it was shared, move it into a group and the app works out everyone's balance.
Deferred payments: log the purchase once with the credit card, the total and the months, and Kesef creates equal instalments with a reminder the day before. It doesn't calculate APR: if there's interest, log the total you'll pay.
Payslip and extra pay: the month starts on the day you choose; each extra payment is recorded as income when it lands, and you can move part of it into a savings goal.
Apple Pay: with Kesef Pro and an iPhone on iOS 17 or later, every in-store Apple Pay payment logs itself, with the amount and merchant.
Shared flat: a group people join through a link, at no cost.

Where Kesef falls short

It doesn't connect to banks, and there's no Mercado Pago in Spain: the only automatic input is Apple Pay, on iPhone. Everything else is logged by hand, by voice, from a receipt photo or from the card statement.
It doesn't calculate interest or rates on instalments: if a purchase has them, you log what you'll pay in total.
It reads receipt photos and PDF statements, but doesn't split a receipt by item, and it has no subcategories.
There's no web version and no Android widgets.
The free plan has ads and caps on what isn't daily: 3 budgets, 3 tags, 2 goals, 3 voice entries and 3 image uploads in total. Reading PDF statements is Pro only.

Kesef against six other apps

The same points, for seven apps. Each app's cells come from its official site, its help centre or the Spanish App Store (sources at the bottom). "No data" means its site doesn't say, not that the feature is missing.

	Kesef	Splitwise	Tricount	Monefy	Wallet	Money Manager	Fintonic
On the Spain App Store	Yes	Yes	Yes	Yes	Yes	Yes, as "Registro Contable"	Yes
Euros and other currencies	Yes: 150+ currencies, converted automatically when logged	100+ currencies; converting them is Splitwise Pro	Yes, converted into the trip total	150+ currencies; you enter the exchange rate	Yes, with automatic exchange rates	Yes, with an exchange rate you enter	No data
Apple Pay	Yes, with Kesef Pro: each iPhone payment logs itself, through a Shortcuts automation	No data	No data	No data	Yes, through a Shortcuts automation; whether it's Premium: no data	No data	No data
Bank connection	Doesn't connect to banks	No data	No data	No, per its site	Yes, with Premium: 15,000+ institutions worldwide; which ones in Spain: no data	No data	Yes, Spanish banks, read-only
Instalments	Yes, free: each instalment in its month, with a reminder the day before	No data	No data	No data	No data	Yes: spreads the purchase over the months and shows what's left	No data
Voice logging	Yes, with Kesef Pro (3 free sessions in total)	No	No	No data	No data	No data	No data
Photo or PDF entry	Photo, screenshot or statement image: 3 free uploads in total. Unlimited and PDF, with Kesef Pro	Scans receipts with Splitwise Pro (free in the US and UK); PDF: no data	Attaches receipt photos; reading them: no data	No data	Doesn't read statements or documents, per its help centre; imports CSV, XLS or OFX files	Attaches up to 3 photos per transaction; reading them: no data	No data
Shared expenses	Yes, free for everyone: groups with the balance of who owes whom	Yes, up to 4 expenses a day on the free plan	Yes, free, no ads per its site	Share the data by syncing to your own cloud; splitting expenses: no data	Yes, with Premium: the owner shares their accounts and invitees don't need Premium	Doesn't sync between devices, per its help centre	No data

Data checked on October 24, 2026. Other apps change prices and limits without notice: confirm on their site or in the store before deciding.

Kesef or Fintonic: reading your bank, or tracking all your spendingReading your bank accounts or logging cash too: the difference, point by point.
Kesef or Wallet: connecting your bank, or logging expenses another wayAnother app that connects banks with Premium, against one that doesn't.
Kesef or Tricount: split one trip, or track expenses all yearFor one trip or for the flat all year.
Kesef or Monefy: which one fits how you track spendingTwo personal expense apps: ads, recurring and where your data lives.

How to choose with this list

If everything you spend goes through a Spanish bank and you're fine granting access, an app that reads your accounts saves you logging. If you also pay cash, get Bizums paid back or would rather not connect your bank, try one that records everything for a month. Kesef is free to download and use.

Frequently asked questions

What's the best expense tracker app in Spain?

It depends on whether you want to connect your bank. If you do, Fintonic reads accounts at Spanish banks, though its help centre says you can't log cash. If not, Kesef records everything without bank access: Bizums, cash, deferred payments and automatic Apple Pay on iPhone.

Kesef vs Fintonic

Which expense app doesn't need access to my bank?

Kesef doesn't ask for access to your accounts: you log by voice, with a photo or by hand, and with Kesef Pro your iPhone's Apple Pay payments come in on their own. In the table, Monefy doesn't connect to banks either, per its site.

How do I track Bizums in an expense app?

In Kesef you add Bizum as a payment method and log each one as it happens. If the cost was shared, move it into a group and Kesef keeps the balances until people pay each other back.

Shared expenses

Is Kesef free in Spain?

Yes: downloading and using it is free, with no cap on logging, plus groups, recurring expenses and instalments, with ads. Kesef Pro is optional and adds automatic Apple Pay, voice, photos and statement PDFs; the App Store or Google Play shows its price.

Sources and review date

Checked on October 24, 2026. Other apps' features and prices change without notice: if you're deciding based on this, it's worth confirming on their own site.

What's the best expense tracker app in Spain in 2026?