KRONO vs Outbank: banking and financial planning
Outbank is a multibanking app with locally encrypted financial data. KRONO focuses on budget, available money, assets, debts and planning. This is a KRONO AS comparison, not an independent test.
KRONO AS · Updated:
Both have planning features
Outbank documents budgets, manual entries, CSV import and transfers, with optional Secure Sync. KRONO also works with manual accounts and CSV but does not initiate payments. Do not assume that one app lacks planning simply because its main focus is banking.
Local storage and optional sync
Both describe local financial-data storage. Outbank's optional encrypted Secure Sync uses its provider infrastructure. KRONO's optional household sharing uses your private iCloud. Each external service has its own conditions.
Country coverage matters
KRONO automatic bank connectivity is Germany-only; elsewhere use manual accounts or CSV. Outbank's supported banks and platforms must be checked with its current documentation. This page does not promise support for banks in your country.
Choose by the task
If transfers inside a multibanking app are central, KRONO is not a replacement for that. If you want assets, debts, budgets and forecasts in one planning view, compare KRONO using your own entries. Its financial forecast is up to 24 months, with separate upcoming payments for 7 days to 3 months.
Test before switching
Review a purchase, transfer and recurring payment after any CSV import. Keep the old app while checking balances. Official sources below support the comparison; unverified capabilities are not described as missing, and provider details can change.
Country availability and pricing
Automatic bank connection is available only in Germany. Elsewhere, use manual accounts and CSV import.
Free forever: up to 3 accounts, 2 loans and 1 monthly budget. Pro: €6.99/month or €69.99/year in euro countries; App Store prices can vary by country.
Official sources
Outbank: Recurring costs and contracts: https://help.outbankapp.com/de/kb/articles/fixkosten-vertrage
Outbank: Pending payments: https://help.outbankapp.com/en/kb/articles/wo-sehe-ich-dauerauftr-ge-und-vorgemerkte-zahlungen-2
Outbank: Account groups: https://help.outbankapp.com/en/kb/articles/die-neue-kartenbasierte-kontenubersicht-bearbeiten
Outbank: Subscription Family Sharing: https://help.outbankapp.com/en/kb/articles/kann-ich-das-abo-auch-mit-der-familienfreigabe-family-sharing-nutzen
Start with KRONO Free
Add your own figures and check which features fit your needs.
KRONO for iPhone (iOS) · Free: €0 · Pro: €6.99 per month or €69.99 per year in euro countries. Prices can differ by App Store country.
Automatic bank connection is currently only available in Germany. Elsewhere you add accounts manually or import transactions from a CSV file.
| Area | In KRONO | Limit |
|---|---|---|
| Net worth | Assets minus debts | Update manual values; no automatic property valuation |
| Cash flow | Income, expenses and loan payments | Only principal reduces debt |
| Forecast | Financial forecast up to 24 months; payments 7 days to 3 months | Based on your inputs, not a guarantee |
| Household | Optional private-iCloud sharing | No automatic settlement or verified Free sharing access |
| Bank connection | Germany only; manual or CSV elsewhere | Pro does not extend country availability |
More guides
- Cash flow forecast app for iPhone
- Budget apps for iPhone 2026
- Budget app without a subscription
- Budget app vs. spreadsheet for students
- Monthly budget for your first job
- Budget on €2,500 take-home pay
- Net worth app for iPhone: your whole financial picture
- Track assets, debts and net worth in one app
- Plan assets, debts and cash flow together
- Financial planning without a provider cloud
- Budget app without bank access: manual accounts and CSV
- Budgeting as a couple or family
- Plan your deposit and budget before buying a home
- Prepare your household budget for parental leave
- Mortgage payments, remaining debt and your budget
- KRONO pricing: Free features and Pro subscriptions
- KRONO vs Finanzguru: planning or connected-account analysis?
Frequently asked questions
Can KRONO make transfers?
No. Use your bank or banking app for payments.
Can the two apps be used alongside each other?
Yes, you can keep banking and planning separate. Check any data exports and imports yourself.
Does Pro add bank connectivity in other countries?
No. KRONO bank connectivity remains Germany-only.