Privacy-first, made in Portugal, never trading your data for advertising.
We built AtivaMoney because we believe personal finance management shouldn't be difficult, opaque or anxiety-inducing. Most of the tools out there are too generic, too complicated or — worse — live off monetising your financial data.
AtivaMoney was built on a different premise: your finances are yours. Technology works for you, not the other way around.
The story behind AtivaMoney.
AtivaMoney was born from a simple idea: there was no finance management tool that knew the Portuguese banks, respected your privacy and didn't ask for your banking credentials.
The answer was to build it from scratch, with the right technologies — Open Banking PSD2 for secure bank access, artificial intelligence trained individually per user, and GDPR compliance from day one.
What guides every product decision we make.
Privacy isn't a feature — it's the foundation. Every product decision starts with the question: "how does this protect the user's data?"
No hidden fees, no intrusive upsells, no data brokers. What you pay is what you get — a tool that works for you.
Compliance with PSD2, GDPR and OWASP. Infrastructure hosted in Europe. Bank access via OAuth2 — we never see your credentials.
We don't add features just because they're cool. Every capability answers a real user problem, with the least complexity possible.
Proudly built in Portugal, with a deep understanding of Portuguese and European banks and financial habits.
We listen to our users. The roadmap is shaped by real feedback from the people who use the product, not by market trends or investor whims.
The company behind AtivaMoney.
AtivaMoney is a brand of Out4Success, a digital solutions development and IT and executive consulting company, established in Portugal since 2018. Over the years, we have successfully delivered thousands of projects for major clients in Banking, Retail, Communications and Insurance, among other sectors, across Portugal, the United Kingdom, Spain and the United States.
AtivaMoney is our most ambitious product: a personal finance management platform that combines European Open Banking, personalised artificial intelligence, and a design people actually want to use.
We're always available to help. Whether it's technical support, partnerships, or just curiosity about the product — drop us a line.