Budget app vs bank app

Your bank app is great at one job: moving money. It was never built to help you plan a month or understand where cash actually goes. That's what a budget app is for.

A raw balance. Recent transactions. Standing orders. That's the perimeter — banks don't want to categorise, forecast or nag you.

Safe to Spend, a 3-layer budget, subscription detection, monthly cash flow, net worth, forecasts, and household sharing. All computed from the same bank data — with context added.

€1,800 in the account might mean +€800 of real disposable income, or −€200 if rent, subscriptions and a credit card bill are due before payday. Only a budget layer knows the difference.

Bank apps only see their own bank. KRONO connects to every European bank you use via Open Banking, so the whole picture lives in one place.

Keep your bank app for moving money. Use KRONO to know whether the move is a good idea.

Does KRONO replace my bank app? No. Payments and transfers stay in your bank's app. KRONO is read-only.

Is it safe to give KRONO bank access? Yes. Access uses regulated PSD2 Open Banking via SaltEdge, is read-only, time-limited and revocable.

Can I use one budget app for multiple banks? Yes. That's the whole point — KRONO connects every European bank you use in one view.