Home About us

About AtivaMoney

Built in Portugal, for the whole of Europe. A personal finance tool that respects your privacy.

Our mission

Give people real control over their finances

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.

  • Privacy-first — your data is never sold nor used for advertising
  • Open Banking PSD2 — secure, reversible bank access, the European standard
  • Subscription business model — the product is the tool, not your data

How it started

The story behind AtivaMoney

AtivaMoney was born out of personal frustration with the finance management tools available in the Portuguese market. American tools that don't know the Portuguese banks. Apps that ask for your banking credentials (an unacceptable security risk). Spreadsheets that go out of date by the second week. Generic AI that categorises "Continente" differently for every user.

The answer was to build from scratch, with the right technologies: Open Banking PSD2 for secure bank access, artificial intelligence trained individually per user, and an architecture designed from day one for GDPR compliance.

AtivaMoney is developed by Out4Success, a Portuguese company focused on building digital products that solve real problems with state-of-the-art technology and the highest security standards.

Our values

What guides every product decision we make

Privacy by design

Privacy isn't a feature — it's the foundation. Every product decision starts with the question: "how does this protect the user's data?"

Total transparency

No hidden fees, no intrusive upsells, no data brokers. What you pay is what you get — a tool that works for you.

European security

Compliance with PSD2, GDPR and OWASP. Infrastructure hosted in Europe. Bank access via OAuth2 — we never see your credentials.

Intentional simplicity

We don't add features just because they're cool. Every capability answers a real user problem, with the least complexity possible.

Made in Portugal

Proudly built in Portugal, with a deep understanding of Portuguese and European banks and financial habits.

User-centred

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.

Out4Success

The company behind AtivaMoney

AtivaMoney is a brand of Out4Success, a Portuguese company dedicated to building digital products focused on technology, security and user experience.

We believe technology should simplify people's lives — not complicate them. 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.

Start Free Read our blog

Got questions?

We're always available to help. Whether it's technical support, partnerships, or just curiosity about the product.

[email protected] Read the Blog