# Track your spending in Spain: Bizum, payslips and shared flats > Log your Bizums and cash by voice, split the flat in a group, keep GBP or USD income next to your euros, and let Apple Pay (Pro) log itself. Free. _By [Gonzalo Nahmías](https://getkesef.app/en/gonzalo-nahmias) · Updated on 2026-10-24_ **763 people in Spain have used Kesef** (number 5 of 132 countries, as of 2026-11-06). **In short:** Kesef is a free iPhone and Android expense tracker that works in English while you live in Spain. It doesn't ask for access to your Spanish bank: Bizums and cash you log by voice in seconds, shared flat costs go in a group, and on iPhone Kesef Pro logs your Apple Pay purchases on its own. Moving to Spain changes how money moves: half your small payments become Bizums, the rent is split with flatmates, your payslip may bring two extra payments a year and some income may still arrive in pounds or dollars. Many Spanish budgeting apps start by connecting to your bank accounts. Kesef doesn't, and this page explains what it does instead. ## Bizum, for newcomers Bizum is the instant phone-number payment that Spanish banks share, with more than 32.5 million users according to the company. It's how people settle a dinner, a gift or a weekend trip, which is exactly why it slips through the cracks: your bank shows a 30 € Bizum, not whether it was your dinner or someone else's share. In Kesef you log it on the spot. Add Bizum as a payment method with one tap, and when the cost was shared, put it in a group: everyone sees their share and Kesef keeps track of who owes whom until you settle up. ## Your payslip and the two extra payments Spain's Workers' Statute provides for two extraordinary payments a year, one at Christmas and another in the month set by the collective agreement, often in summer. Some agreements spread them across the twelve monthly payslips instead, so there's nothing extra to wait for. In Kesef your month can start on the day your salary lands. Extra payments that aren't spread out go in as income in the month they arrive, and a savings goal is a good place to decide what they're for before they're gone. ## Euros, with pounds or dollars on the side If part of your income still comes in pounds or dollars, Kesef keeps each movement in its own currency and shows totals in the one you choose, usually euros. It converts with an international rate from the day you log it and keeps that rate fixed, so a closed month doesn't change when the pound moves. If your phone's region is Spain, Kesef starts with the euro as your main currency, and the app can stay in English: the language follows your phone and you can change it from your Profile. ## Apple Pay, logged on its own There's no Spanish account Kesef can bring in by itself. What does work is Apple Pay: with Kesef Pro and an iPhone on iOS 17 or later, you set up a Shortcuts automation once and every in-store Apple Pay payment comes into Kesef with the amount and merchant, whichever bank your card is from. > If your bank doesn't pass the amount to Wallet, the payment isn't lost: it waits as pending, with the merchant and date, for you to fill in. ## Examples in euros - **Example (A flat dinner, settled by Bizum):** You pay 100 € for dinner for four flatmates and the others will send their share by Bizum. You log it in your flat's group, split four ways, and Kesef shows each of them owes you 25 €. - **Example (Private health insurance with Sanitas):** Sanitas is on the suggested list of recurring expenses in Spain: you pick it, enter 62 € and a category, and it shows up every month before the charge. - **Example (A laptop paid over 12 months with Santander):** You split a laptop into 12 monthly payments on your Santander credit card and will pay 1.320 € in total. You log that total once, and Kesef puts 110 € in each of the 12 months. - **Example (Freelance income in pounds):** A UK client pays you £800. You log it as income in pounds, and your monthly total in euros includes it at that day's rate. ## Everything else Kesef does - Category budgets that tell you how much you can spend per day until the period ends. - Savings goals with their contributions. - Groups to split expenses with an invite link, free for everyone who joins. - Recurring expenses, like a subscription, that repeat on their own. - A calendar with what you spent each day and what's coming. - A Chat you can ask about your own spending. Downloading and using Kesef is free, on iPhone and Android. Kesef Pro is an optional subscription that removes ads and limits, and you see its price in the store before subscribing. ## Keep reading - [Kesef or Fintonic: reading your bank, or tracking all your spending](https://getkesef.app/en/compare/kesef-vs-fintonic): How Kesef differs from an app that connects to Spanish banks. - [Split the household bills without keeping score in your head](https://getkesef.app/en/features/split-expenses): Groups for flats, trips and dinners. - [Your Apple Pay payments, logged on their own](https://getkesef.app/en/features/apple-pay): The Apple Pay automation, step by step. - [Track spending across currencies without doing the maths yourself](https://getkesef.app/en/features/multi-currency): How Kesef handles several currencies. ## Frequently asked questions ### Does Kesef need access to my Spanish bank? No. Kesef doesn't connect to banks. You log expenses by voice, with a receipt photo or by hand, and on iPhone Kesef Pro logs your Apple Pay purchases on its own. - [Kesef or Fintonic: reading your bank, or tracking all your spending](https://getkesef.app/en/compare/kesef-vs-fintonic) ### How do I keep track of Bizums I send and receive? Log each one when it happens, with Bizum as the payment method. If it was a shared cost, use a group: Kesef shows who owes whom until everyone settles up. - [Split the household bills without keeping score in your head](https://getkesef.app/en/features/split-expenses) ### Can I track income in pounds and spending in euros? Yes. Each movement keeps its currency and totals show in the one you choose. Conversion uses an international rate from the day you log it, and it stays fixed. - [Track spending across currencies without doing the maths yourself](https://getkesef.app/en/features/multi-currency) ### How should I log the paga extra? As income in the month it arrives. If your agreement spreads it across the twelve payslips, it's already inside each one and there's nothing separate to log. ### Can I use Kesef in English while living in Spain? Yes. The app follows your phone's language and you can change it from your Profile. Your currency is independent of the language. ### Is Kesef free in Spain? Yes. Downloading and using it is free. Kesef Pro, which adds the Apple Pay automation and removes ads and limits, is optional, and the App Store or Google Play shows its price before you subscribe. ## Sources and review date Data checked on 2026-10-24. - [Bizum: 10 years and 32.5 million users (in Spanish)](https://bizum.com/es/notas/bizum-cumple-10-anos-325-millones-de-bizumers-y-35-millones-de-operaciones-diarias/) - [BOE: Workers' Statute, article 31, extraordinary payments (in Spanish)](https://www.boe.es/eli/es/rdlg/2015/10/23/2/con) ## Every Bizum, accounted for Kesef is free on iPhone and Android. Log your next expense out loud and see where the month stands. ## Download - iPhone (App Store): https://apps.apple.com/app/id6758053806 - Android (Google Play): https://play.google.com/store/apps/details?id=com.kesef.app ## Keep reading - [Split the household bills without keeping score in your head](https://getkesef.app/en/features/split-expenses) - [Your Apple Pay payments, logged on their own](https://getkesef.app/en/features/apple-pay) - [Track spending across currencies without doing the maths yourself](https://getkesef.app/en/features/multi-currency) - [Kesef or Fintonic: reading your bank, or tracking all your spending](https://getkesef.app/en/compare/kesef-vs-fintonic) - [Is it better to pay in instalments or in cash?](https://getkesef.app/en/tools/instalments-vs-cash-calculator) - [What's the best expense tracker app in Spain in 2026?](https://getkesef.app/en/compare/best-expense-tracker-app-spain) --- Esta página en español: https://getkesef.app/espana.md HTML: https://getkesef.app/en/spain