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

> Bank connection or not, Bizum, deferred card payments, extra pay and Apple Pay: what you decide in Spain when choosing an expense app, with seven apps.

_By [Gonzalo Nahmías](https://getkesef.app/en/gonzalo-nahmias) · Updated on 2026-10-24_

**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 spending](https://getkesef.app/en/compare/kesef-vs-fintonic): Reading your bank accounts or logging cash too: the difference, point by point.
- [Kesef or Wallet: connecting your bank, or logging expenses another way](https://getkesef.app/en/compare/kesef-vs-wallet): Another app that connects banks with Premium, against one that doesn't.
- [Kesef or Tricount: split one trip, or track expenses all year](https://getkesef.app/en/compare/kesef-vs-tricount): For one trip or for the flat all year.
- [Kesef or Monefy: which one fits how you track spending](https://getkesef.app/en/compare/kesef-vs-monefy): Two 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 or Fintonic: reading your bank, or tracking all your spending](https://getkesef.app/en/compare/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.

- [Split the household bills without keeping score in your head](https://getkesef.app/en/features/split-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

Data checked on 2026-10-24.

- [Splitwise: official site (free on iPhone, Android and web)](https://www.splitwise.com/)
- [Splitwise: Splitwise Pro (currencies, receipt scanning, default splits, no ads)](https://www.splitwise.com/pro)
- [Splitwise: help centre: up to 4 expenses a day on the free plan](https://kb.splitwise.com/pro/what-is-splitwise-pro)
- [Splitwise on PR Newswire, 14 October 2026: Itemize, free in the US and UK](https://www.prnewswire.com/news-releases/splitwise-launches-new-feature-that-takes-the-awkwardness-out-of-splitting-the-check-302907809.html)
- [Tricount: official site (free, no ads, no limits or daily cap)](https://www.tricount.com/)
- [Tricount: features (currencies, receipt photos)](https://www.tricount.com/features)
- [Tricount: for couples](https://www.tricount.com/use-cases/couples)
- [Monefy: official site (free and paid plan, currencies, banks, sync)](https://www.monefy.com/)
- [Monefy: help centre (exchange rates, budgets, data, ads)](https://www.monefy.com/help-center)
- [Wallet (BudgetBakers): official site (free plan, banks, currencies, import, group)](https://budgetbakers.com/en/products/wallet/)
- [Wallet: help: no statement or document reading (OCR)](https://support.budgetbakers.com/hc/en-us/articles/26911037277586-OCR)
- [Wallet: help: Group Sharing](https://support.budgetbakers.com/hc/en-us/articles/7149394922002-Everything-about-Group-Sharing)
- [Money Manager (Realbyte): official site](https://www.realbyteapps.com/)
- [Money Manager: help: instalments and repeats](https://help.realbyteapps.com/hc/en-us/articles/360046668993-How-to-set-up-a-repeat-schedule-installment)
- [Money Manager: help: photos and receipts](https://help.realbyteapps.com/hc/en-us/articles/360044633494-How-to-insert-receipts-or-photos)
- [Money Manager: help: sync between devices](https://help.realbyteapps.com/hc/en-us/articles/26011567061657-Can-we-sync-between-devices)
- [Money Manager: help: Premium is a one-time purchase](https://help.realbyteapps.com/hc/en-us/articles/10669850586649-Is-the-paid-app-an-one-time-payment-or-a-subscription-service)
- [Money Manager: help: sub-currencies and exchange rates](https://help.realbyteapps.com/hc/en-us/articles/360042988234-How-to-add-sub-currencies)
- [Fintonic: official site (Spain)](https://www.fintonic.com/es-ES/inicio/)
- [Fintonic: help: which banks can be connected](https://fintonic.ladesk.com/261786-Qu%C3%A9-bancos-puedo-conectar-en-Fintonic)
- [Spain App Store: lookup of the Fintonic app, available (2026-10-24)](https://itunes.apple.com/lookup?id=672220319&country=es)

## Try it for a month, no bank connection

Kesef is free and doesn't ask for a card. A month with your Bizums and your payslip says more than any comparison.

## Download

- iPhone (App Store): https://apps.apple.com/app/id6758053806
- Android (Google Play): https://play.google.com/store/apps/details?id=com.kesef.app

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