Finanzguru Alternative for Austria & Switzerland

Short answer: in Austria you may not need a Finanzguru alternative, because it connects to most Austrian banks' current accounts; in Switzerland you do, because it doesn't cover Swiss banks. Finanzguru's help centre says it is currently focused on the German and Austrian market, and adds that Switzerland isn't in the EU, so the PSD2 rules that oblige banks to offer an interface don't apply there.

Searched "Finanzguru Alternative" from Germany? The options below also cover the other common reasons to switch: the language, or the bank link.

What Finanzguru Does Well

Finanzguru is a German finance app that reads your accounts and turns them into an overview of spending and contracts. Per its own site, the free version:

• Connects to more than 4,000 banks and providers, including current accounts, savings, depots and crypto exchanges.
• Detects your contracts automatically, from streaming subscriptions to insurance, and shows your monthly fixed costs.
• Cancels contracts for free. The Kündigungsservice fills in the cancellation and sends it by fax, or hands it to your email app; per its help article, faxes come with a PDF proof of sending.

An optional contract alarm (Vertragswecker) emails you before a notice period runs out. Finanzguru Plus costs €0.99 a week and adds unlimited analyses, custom budgets, your disposable income and balance forecasts. Finanzguru says it is regulated by BaFin. If you're in Germany or Austria, read German comfortably and are happy to link your bank, it's an excellent, genuinely free tool.

Austria: Check Your Bank First

Finanzguru's list of Austrian banks says current accounts at most Austrian banks can be connected, including:

• Erste Group / Sparkasse, Raiffeisenbanken, Volksbanken and Bank Austria / UniCredit
• BAWAG / easybank, bank99, BKS, BTV, Oberbank, Hypo Oberösterreich, Hypo Salzburg and Wüstenrot

Two gaps it names: card complete and Renault Bank Österreich aren't available yet. So for most Austrians, the reasons to look elsewhere aren't about geography. They're about language, a card it can't read, or not wanting an app connected to your bank.

Switzerland: Finanzguru Can't See Your Accounts

PSD2 obliges EU banks to offer the interfaces that apps like Finanzguru connect through. Swiss banks aren't under PSD2, and none appear in Finanzguru's help-centre bank list.

You can add a virtual account that you maintain by hand. But then you're doing manual entry anyway, in an app built around automatic detection.

The Language Question

The Finanzguru app is in German. Its help centre says an English version is discussed but there's no timeline, though support will answer in English. For English speakers in Zurich, Vienna or Berlin, that alone can decide it.

The Best Finanzguru Alternatives

1. Subgrove: no bank link, CHF included

Subgrove is a manual subscription tracker. You enter each subscription with its price, billing cycle and next renewal date, and nothing ever connects to your bank. So the Swiss problem disappears: a UBS account, a PostFinance card or a German current account all work the same.

• CHF, EUR and USD side by side. Each subscription keeps its own currency, and you see a separate total per currency. Nothing is converted or blended. Our guide to subscription trackers in Europe covers why that matters.
• Reminders before renewals. Push and email reminders are free, and you choose the timing, up to two weeks ahead.
• Every device. It's a PWA, so it installs from the browser on iPhone, Android and desktop, and works offline.
• A faster start. The subscription finder reads a CSV export from your e-banking in your browser, uploads nothing, and lists recurring charges.

Pricing: free for up to 5 subscriptions. Pro is $1.99 a month, $10 a year or $15 once, billed in US dollars, and adds unlimited subscriptions, household sharing and free-trial alerts. The reasoning behind skipping the bank link is in our no-bank-link guide.

2. Finanzguru itself, if you're in Austria

If your Austrian bank is on the list and you read German, the honest alternative may be no alternative.

3. A spreadsheet

Free, private, and happy with CHF. What it lacks is reminders, the part that actually saves money.

What You Give Up — Honestly

Subgrove is narrower than Finanzguru:

• No automatic detection. Finanzguru finds contracts in your bank data; Subgrove only knows what you enter or import.
• No cancellation service. Finanzguru prepares and sends cancellations from the app. Subgrove cancels nothing: it warns you, and you cancel with the provider. In Germany the law helps, as our Germany guide explains.
• No budgets or forecasts. Subgrove tracks subscriptions, not your whole finances, and it doesn't move money.
• Notice periods take planning. Reminders go out at most two weeks before a renewal. For a contract with a three-month notice period, you'll need your own note of the deadline.
• English only. Better than German-only if you don't read German; no help if you only read German.

Common Questions About Finanzguru Alternatives

Does Finanzguru work in Austria? Yes, for current accounts at most Austrian banks, including Erste, Raiffeisen, Bank Austria and BAWAG. Card complete isn't supported yet.

Does Finanzguru work in Switzerland? Not with Swiss bank accounts. Its help centre says it focuses on Germany and Austria, and PSD2 doesn't apply in Switzerland.

Is there a free Finanzguru alternative? Finanzguru's own core version is free. Free alternatives that need no bank link are a spreadsheet or Subgrove's free plan, which covers five subscriptions with reminders. You can sign up without entering any bank details.

Is Finanzguru available in English? No. The app is German-only, with no timeline for an English version.