01
Bring your bank, or bring your statement.
Connect through Open Banking without ever handing over your bank password. Or import the statement as a PDF, Excel or CSV file, from any bank.
Connect to your bank through Open Banking or import your statement as a PDF. An AI that only ever learns from you sorts your transactions and projects whether the money lasts to the end of the month.
Real screens, with demo data. Data held in the European Union, read-only access to your bank.
Android: in final testing. Launching in October 2026.
Apple: launch expected in January 2027.
Features
AtivaMoney in practice. Everything simple, smart and automatic
02
Want security without linking your bank?
Then import your file or copy and paste your transactions into the import area.
- Import files in Excel, PDF, CSV or OFX format.
- The engine understands your PDF layout, position by position.
- A traffic light checks the account: opening balance plus transactions gives the closing balance.
- Paste your transactions into the import area, in whatever order you like. We will work out your data format. Coming soon
03
The AI is yours, and it learns from you.
Every correction you make teaches the AI: it is saved and counts straight away in that night's training. The model trains every night on your transactions alone, in a file that belongs only to you.
04
Know today whether the month will close.
A balance projection per account, warning you days ahead if you are heading into the red. The available balance already sets aside, month by month, the annual insurance premium that is only due in a few months.
05
Everything still to do, in one place.
The pending items centre tells you what is left to sort out and takes you straight there.
06
A budget that adjusts to you.
Start from your monthly average, or copy last month. Change one group and see straight away what you save by month-end.
07
The family on the same account.
Invite the people you live with and decide what each one can do. Paulo follows the budget; settings and bank connections stay with Sofia.
AtivIA
Ask in plain English and Ativ.IA answers. Your way.
The assistant answers questions about your finances, grounded only in your own data. It shows the steps it took and where every number came from. A validator rejects any figure that is not in the data.
It does not give orders: it suggests, after the numbers. It has a memory of what it learns about you, and that memory is visible to you and can be deleted by you.
+3000
More than 3000 banks and institutions around the world.
47About 47 Portuguese financial institutions, or institutions operating in Portugal, among those you can link.
How the connection works
You pick your bank in the app and are taken to the bank itself to authorise access. You never give us your bank password: you sign in the way you always do, and the connection is read-only.
The consent is yours
You give the authorisation, at your bank, only to read accounts and transactions. You can revoke it at any time, in your online banking or in your bank's app.
Renewal
The consent has a validity, set by the Open Banking rules and by your bank. When it expires, the app shows you a notice on the account and you renew access with your bank. The account stays active and keeps its history.
Your bank is not on the list?
Import the statement (Excel, PDF, CSV or OFX) and AtivaMoney reads it the same way. Before you import, a traffic light checks that the figures add up.
The available institutions may vary by bank and over time. If a connection fails, statement import is always available.
Try it now in simulation mode
Simulator - It is not a video, it is the app
The real application, running right here, with a sample account of made-up data. Try every feature as you like: link an account, import a statement, ask the agent. All of it simulated. Nothing you do here leaves this page. The interactive demo is in Portuguese.
- Simulation mode
- Made-up data
- Same experience as the app
Getting started
Four steps, and after that you just follow along.
1Link your account
2Set up your categories
3Classify your first transactions
4Set your targets and goals
Link your account
You choose your bank, authorise it in your online banking and the accounts show up in AtivaMoney. If you would rather, you import the statement as a PDF or Excel file and a traffic light confirms that the reading adds up.
Set up your categories
We already have 17 groups and 98 categories ready to use. You pick the ones that make sense for your life and the app starts organising your transactions by them.
Classify your first transactions
Every correction you make teaches the AI: it is saved and counts straight away in that night's training. The model trains every night on your transactions alone, in a file that belongs only to you, and starts classifying the next ones for you.
Set your targets and goals
You set how much you want to spend each month. The balance projection warns you days in advance if the money will not stretch, and the available balance already deducts what is only due months from now.
1
Link your account
You choose your bank, authorise it in your online banking and the accounts show up in AtivaMoney. If you would rather, you import the statement as a PDF or Excel file and a traffic light confirms that the reading adds up.
2
Set up your categories
We already have 17 groups and 98 categories ready to use. You pick the ones that make sense for your life and the app starts organising your transactions by them.
3
Classify your first transactions
Every correction you make teaches the AI: it is saved and counts straight away in that night's training. The model trains every night on your transactions alone, in a file that belongs only to you, and starts classifying the next ones for you.
4
Set your targets and goals
You set how much you want to spend each month. The balance projection warns you days in advance if the money will not stretch, and the available balance already deducts what is only due months from now.
And that is it. From here you just watch AtivaMoney do the work for you.
Security
100% Secure, and we can prove it.
Data
- Your data stays in the European Union, on Oracle EU Sovereign Cloud, in the Madrid and Frankfurt regions, operated by entities established in the EU and kept separate from the global commercial regions.
- We never sell your data. The business model is the subscription.
- There is a Data Protection Officer available for any question.
- You can export everything that is yours, in one file, at any time. And you can delete your account. Both require two-step verification.
Technology
- Your data only ever travels encrypted.
- Session keys never reach your browser: they stay on our server, and the browser only receives a cookie that code cannot read.
- Two-step verification, your choice: authenticator app, email or SMS. The wallet owner can make it mandatory for everyone.
- Exporting your data, deleting the account and changing security settings ask for a second confirmation.
- Our own test system refuses code that breaks the isolation between customers. More than 140 automated checks run on every change, and the build fails if a single data access loses its protection.
Integration
- The connection to your bank is read-only. We never ask you for your bank password.
- The authorisation is given by you, at your bank, and you can revoke it at any time in your online banking or in your bank's app.
- Access is made through an aggregator licensed as an AISP and regulated in the European Union, under PSD2.
- The statement you import is read in memory and deleted once confirmed. It is never written to disk or to the logs.
Plans
Pick the plan that fits you.
Always Free
Your finances under control, and free forever.
€0 /forever
Personal
All your accounts, the full history and the assistant.
—
Family
The shared wallet, with guests and the accounts of the whole household.
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Business
For anyone running the accounts of a business.
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| Feature | Always Free | Personal | Family |
|---|---|---|---|
| Limits | |||
| Bank accounts | 1 | 5 | 10 |
| History | 120 days | 5 years | Unlimited |
| Planned budget | Up to 1 month ahead | Up to 12 months ahead | No limit |
| Categories | 20 | Unlimited | Unlimited |
| Wallets | 1 | 2 | 5 |
| People in the wallet | Just you | Just you | You + 3 members |
| Automatic bank sync (Open Banking) | Not included | Included+ up to 30 manual refreshes a month | Included+ up to 100 manual refreshes a month |
| CSV export | Not included | Included | Included |
| Advanced dashboard | Not included | Included | Included |
| Ativ.IA assistant | Includedbasic use | Included | Includedextended use |
Frequently asked questions
What people ask before giving access to their accounts.
Do you have access to my bank password?
No. The connection is made through Open Banking: you authorise it on your bank's website or app, and we never see your credentials. The access we receive is read-only, and you can revoke it at any time in your online banking.
Can AtivaMoney touch my money?
No. The access is read-only. We do not initiate payments, we do not move balances and we have no technical way of doing so.
Where is my data kept?
In the European Union, on Oracle EU Sovereign Cloud, in the Madrid and Frankfurt regions. These are regions operated by entities established in the EU and kept separate from the global commercial regions.
Do you sell my data?
Never. The business model is the subscription: you pay for the application and that is where the revenue comes from. There is a Data Protection Officer available for any question.
What if my bank is not on the list?
You import the statement as a PDF, Excel or CSV file. We have 12 banks and 15 formats with ready-made templates, and a visual editor that lets you describe a new bank in minutes, with no developer needed.
How do I know the import read the statement correctly?
Before importing, a traffic light does the arithmetic in front of you: opening balance plus transactions has to equal the closing balance. If it does not, you see it straight away, and you import nothing blind. The file is read in memory and deleted once confirmed.
Does the AI learn from everybody's data?
No. The classification model is yours: it trains every night on your transactions alone, in a file that belongs only to you. Every correction you make teaches the AI: it is saved and counts straight away in that night's training.
Can I take my data with me, or delete everything?
Yes to both. You export everything that is yours in one file, at any time, and you can delete your account. Both operations require two-step verification.
Who is behind AtivaMoney?
Out4Success IT Digital Solutions LDA, a Portuguese company. Access to bank accounts is made through an aggregator licensed as an AISP and regulated in the European Union, under PSD2.
How much does it cost, and when does it open?
There is a Free plan and paid plans, with prices on the pricing page. Free is free forever and does not ask for a card; whoever signs up on it gets 15 days of the Personal plan to try it and, at the end, stays on Free without paying anything. Paid plans start with 15 days free: we ask for your card when you start, charge nothing during those days and, if you do not cancel, the first charge is made when they end. Whoever joins a paid plan during the 15 Personal days of Free gets another 15 free days. The price is guaranteed for 12 months, the better of the one on the day you signed up and the one on the day you join. You can cancel at any time and, if you change your mind after the first charge, you have 14 days to ask for a full refund. AtivaMoney is in pre-launch: leave your email on the list and we will let you know as soon as sign-up opens.
Contact
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