Your money, simplified
The smart solution for personal and family finances.
- Easy to set up.
- Simple to use.
- It does all the work for you.
Alerts
your way.
When you need them — not a minute later. You choose the channel. You choose the moment.
You choose where your data lives.
We store it for you — secure, synced across your devices and family. Or you store it, on your own cloud. Your data is yours and no one else's.
The AtivaMoney cloud
Encrypted at rest. Real-time sync across your devices and your family's.
- Multi-device sync
- Family sharing
- Automatic backup
Your cloud, your choice
Google Drive, OneDrive, Dropbox or iCloud. We process — you store. Zero data of yours on our side.
- You control the storage
- Revoke whenever you want
- Total privacy
Upload your transactions
from anywhere.
Worried about linking your bank account? No problem — you can also import your statements manually, in whichever format you have at hand.
We never request access to operations
We don't ask — and we can't — make transfers, payments, debits or any other operation on your accounts. AtivaMoney only observes.
Bank access is read-only
Open Banking PSD2 guarantees by design that we only see balances and transactions. We have no keys, passwords or write-permission tokens.
You authorise, on your bank
Authentication happens directly on your bank's site — not on our app. You confirm the link with the bank and can revoke it whenever you wish.
Automatic integration with your bank
Manual import is alternative, not the rule. But whenever you need it, it's here.
Your accounts.
Your banks.
0
institutions available across Portugal and Europe, linked in seconds.
Your AI.
Your rules.
A model trained on your data only — not on millions of strangers'. You correct, it learns. You're in charge.
Your dashboard.
Your way.
Drag, choose, configure. The indicators you want to see — in the order you want them.
+ 1 480 €
Categories
that speak for you.
You see at a glance what's growing. What's calming down. Where your money is going.
Actual vs Forecast
Predictable control with
Cashflow.
AtivaMoney forecasts your future balance based on your habitual patterns. See in advance if you're heading into the red — and act before it happens.
All yours. All simple. All secure. All your way.
No tricks. No fine print. No sharing your data with anyone.
Shall we begin?
Start free. Pay when you're sure. Decide whenever you want.
Free Forever
€0 /forever
Start free — for life.
- 1 bank account via Open Banking
- Manual sync (max. 1×/day)
- Personal predictive AI for categories**
- Basic dashboard and charts
- 1 month of budget
- 12 months of history
- 1 user
- Cashflow forecast · current month
- No automatic notifications
- No export
Pro
€5.90 €3.90 /month
or €70.80 €53.01/year (−25 %)
- Up to 3 bank accounts
- Personal AI (categories + tags)
- Cashflow forecast · month, 30, 90 days
- Email notifications
- Unlimited budgets
- Unlimited alerts
- Customisable dashboard
- Unlimited history
- CSV / PDF export
- Email support
Family
€7.49 €3.90 /month
or €89.88 €54.10/year (−40 %)
- Everything in Pro
- Up to 5 users
- Consolidated family view
- Email · SMS · WhatsApp notifications
- Granular permissions
- Shared budget
- Priority support · chat and email
* Limited-time offer — until August 2026. ** Categorisation without fixed schedule on the Free plan.
FAQ
Most frequent questions. In plain English.
Is my banking data safe?
Yes. We connect to your bank in the most secure way that exists — the same one your own bank uses, regulated by the Bank of Portugal and the European Central Bank. We never ask for your password. You authenticate directly with the bank and you can revoke access whenever you want.
Do you use my data for ads or sell it?
Never. Your statement is not our product. We live on subscription — we never share, sell or analyse financial data for advertising.
Does it work with Portuguese banks?
Yes. CGD, Millennium BCP, Santander, BPI, Novobanco, Bankinter, Montepio, Activobank, Crédito Agrícola, Abanca and over 3,000 other institutions in Portugal and Europe.
What happens after the 60-day Free trial ends?
Your account moves to the Free plan — no charges, no card, no surprises. If you exceed any limit, we'll tell you openly.
Do I have to provide a card to start?
No. Free and trials don't ask for a card. You only enter a card if you decide to subscribe after the trial.
Can I store my data on my own Google Drive?
Yes — that's our bet. Google Drive, OneDrive and iCloud are planned for August 2026. Pro and Family users get priority access.
Are you a Portuguese company?
Yes. AtivaMoney is a brand of Out4Success, built in Portugal. GDPR and European standards by default.
Still have questions?
Talk to us.
We reply within 24h on business days. No bots, no scripts. It's us.