Know your money.
Control your future.

Connect your bank. The AI learns your patterns.
Plan your budget in 3 minutes.

Start Free See how it works
Free to start Portuguese banks GDPR compliant

Built in Portugal, for you — and for anyone using banks anywhere in the world. We connect to more than 3,000 institutions via Open Banking PSD2.

Financial management that works for you

Connect your bank

Open Banking PSD2 — the European standard for secure access. Your bank updated 4 times a day. No manual imports.

The AI learns with you

An artificial intelligence model exclusive to you. It learns your spending patterns. It improves with every transaction.

Plan with confidence

A budget of up to 24 months in 3 minutes. Alerts before you overspend. A cashflow that shows you the future.

In 3 steps, you are in control

Quick setup. No hassle.

Connect your bank

Select your bank from the list. You authenticate directly with the bank — AtivaMoney never sees your credentials. In less than 2 minutes, your transactions appear automatically.

The AI categorises automatically

Every transaction is categorised by your personal AI model. The first weeks, the AI learns. Correct whatever is not right — and it never gets it wrong again.

Create your budget and plan

With a spending history already categorised, the AI proposes a realistic budget. You accept, adjust, and AtivaMoney takes care of the rest — including warning you when you are overspending.

Everything you need to manage your finances

No unnecessary features. No hassle. The right tool for anyone who wants results.

Automatic Synchronisation

Open Banking PSD2. 4 times a day, your transactions arrive automatically. Compatible with every regulated European bank.

AI that knows you

Your personal categorisation model. It learns from your habits, not from everyone else's. The more you use it, the more accurate it becomes.

Budget in 3 minutes

Up to 24 months of planning. The AI suggests amounts based on your history. You confirm and it keeps itself updated.

Alerts before the problem

Warns you when the spending trend points to going over budget — before the month is over. Not reactive: predictive.

AI-powered Tags

Classify expenses by person, event or project — across categories. How much did we spend on holiday? One tag answers.

Cashflow of the future

See your balance 3 months from now. It combines recurring expenses, seasonal trends and events you already know are coming.

Personal Artificial Intelligence

An AI that learns
your patterns —
not everyone else's.

While other tools use generic categorisation models (which often get it wrong), AtivaMoney trains an exclusive model for each user.

  • Category Model — learns to classify transactions based on your manual corrections
  • Tags Model — learns to suggest contextual labels (who paid, which event, which project)
  • Confidence score — when the AI is unsure, it marks as "Pending" for your review
  • Continuous loop — every correction feeds the model. Within weeks, it categorises +90% automatically
"The AI learned that purchases at Aldi are Supermarket for you, but at João from work they are Lunch. It is literally your AI."
Predictive Budget

Creating a 12-month
budget takes
3 minutes.

The AI analyses your history and suggests realistic amounts per category. You confirm — or adjust — and the budget stays updated with every new transaction.

  • Up to 24 months of planning horizon
  • Configurable frequency — monthly, quarterly, half-yearly or yearly per category
  • Real-time burndown — how much you have left to spend in each category this month
  • Overspend alerts — notification when the spending pace is above what was planned
  • Integrated cashflow — see the impact of recurring expenses on your future balance

Organisation the way you like it

20 ready-made categories. Or create your own.

The app includes the 20 most-used categories, pre-configured with icons, colours and suggested amounts. Customise everything: name, icon, colour, type, frequency and default value.

🛒 Supermarket 🍕 Restaurants ⛽ Fuel 🏥 Health 🎬 Leisure 🏠 Home 📱 Telecoms ✈️ Travel 💰 Savings

Tags that cut across categories.

A trip has hotel, restaurants, outings and fuel. With a tag Algarve Holiday 2026, you have the total in seconds — even if they sit in different categories.

👤 João 👤 Maria ✈️ Algarve Holiday 2026 🏗️ Home Renovation 💼 Work 🚗 New Car 🎓 Education

All your financial health in a single view

In 30 seconds, you know exactly where you stand financially.

📊 Monthly Chart

Income vs Expenses with historical evolution

📅 Yearly Chart

View of the full year, filters for 6 or 12 months

🔮 Projected Cashflow

Forecast balance for the coming months

🏷️ By Category

Breakdown of spending by category in the month

🔖 By Tag

Analysis of spending grouped by label

📱 Mobile-first

Responsive dashboard, charts in full-screen on mobile

On your mobile, wherever you need it

Dashboard, transactions and cashflow always in the palm of your hand — optimised for mobile.

Built for the most demanding European standards

Your financial data is not our product. AtivaMoney is funded by your subscription.

PSD2
GDPR
FAPI
OWASP
Zero Trust
DORA

Advanced MFA

TOTP (Google Authenticator), Email and SMS. Step-up for sensitive operations.

Zero tokens in the browser

Credentials and session tokens never reach the browser. Immune to XSS attacks.

Strong cryptography

TLS 1.3 in transit, encryption at rest. Auditing and monitoring 24/7.

"AtivaMoney accesses your bank exclusively to show you your own data. Your banking credentials go straight to the bank — AtivaMoney never sees them. You can revoke access at any time."

Why AtivaMoney is different

Feature AtivaMoney YNAB Spendee Excel
Open Banking (PT/EU banks) ✓ ✗ Partial ✗
Automatic sync (4×/day) ✓ Manual ✓ ✗
Personalised AI per user ✓ ✗ Basic ✗
100% customisable categories ✓ ✓ ✓ ✓
Predictive budget (24 months) ✓ ✓ Basic Manual
AI-powered tags ✓ ✗ ✓ ✗
Predictive cashflow ✓ ✓ ✗ Manual
GDPR / PSD2 compliance ✓ ✗ Partial ✓
Business model Subscription Subscription Freemium Free

Simple. Transparent. No surprises.

Pricing being finalised — Coming soon.

Free
€0/month

Features to be announced soon

Start Free
Most Popular
Pro
€?/month

Full features — price to be announced

Start 14-day free trial
No credit card to get started Cancel whenever you want

What early users are saying

★★★★★

"I finally understand where my money goes. The AI categorises almost everything automatically and the budget stays up to date."

Ana S.
Project Manager, Lisbon
★★★★★

"With a variable income, I needed a tool that would help me plan. The AtivaMoney cashflow has completely changed my relationship with money."

Ricardo M.
Freelancer, Porto
★★★★★

"I used Excel for years. The migration was painless and automation saved me hours every month. GDPR compliance gave me the peace of mind I needed."

Teresa F.
Teacher, Coimbra

Frequently Asked Questions

We use the Open Banking (PSD2) protocol, the European standard for secure bank access. You authenticate directly with your bank — AtivaMoney never sees your banking credentials. The process takes less than 2 minutes. You can revoke access at any time.
Never. The AtivaMoney business model is subscription — we are not funded by monetising your data. Your bank statements are not the product; they are the tool you use.
Yes, with every Portuguese and European bank that supports PSD2 (Open Banking) — which includes virtually every regulated bank. If your bank does not yet support it, we are preparing PDF statement import as an alternative.
Each user has their own AI model trained on their personal history. The AI assigns a category to each transaction with a confidence score. If the score is high (≥80%), it classifies automatically. If it is low, it stays pending for you to review. Every correction you make feeds the model — which will never make the same mistake again.
Yes. You can connect as many accounts and banks as you like. The dashboard consolidates everything in a single view.
It is a projection of your future balance. The system combines your recurring expenses (identified by the AI), seasonal historical patterns, and future events that you yourself log (e.g. holiday, annual insurance). It gives you a concrete answer to "will I have enough money in June?".
Both. The AI proposes a realistic budget based on your history — and you accept, adjust or completely replace the values. The control is always yours.
The web app is fully responsive and optimised for iPhone and Android. A native app is on the roadmap.
We are in the final stages of preparing for launch. Register your interest below and you will be the first to be notified.

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your money?

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