Bankin Opinion: What to think about budget management ?, Bankin – Your Money Manager on the App Store

Bankin – Your Money Manager 4

Bankin ’also provides confidentiality and data protection thanks to the following measures:

Bankin ‘: full opinion on this budget management tool

Easily and quickly managing one or more bank accounts is a real advantage. Being part of the aggregators of accounts, the French Bankin ’application is aimed at individuals as well as professionals who wish to better manage their expenses and who also seek to save or save.

  • its three offers including a particularly complete free version;
  • Interesting features that simplify everyday management: association of several possible accounts (current, savings book, life insurance, etc.) domiciled in one or more banks, tool for forecasting expenses, categorization of money outings, etc.;
  • advantageous services to better manage its budget, such as the optimization of invoices, a cashback system with 400 renowned partners and an express mini-loan;
  • Reliable security and confidentiality measures approved by the ACPR (authority depending on the Banque de France).


Updated on January 16, 2023

by Benoit Delecroix – Managing Director Iregroup

Download this guide

  • What is the promise of the Bankin application ’ ?
  • Bankin’s features ’
  • What does Bankin ’in its premium version offer ?
  • Is data secure at Bankin ’ ?
  • Bankin review ’: what are the advantages and disadvantages ?

What is the promise of the Bankin application ’ ?

Bankin’s story ’

Bankin ’is a French mobile application for free money management, secure and independent of banks. It currently has More than 5.5 million users (individuals and companies) in Europe, which reinforces its notoriety on the market for accounts.

The company that was born in 2011 is one of the founding members of France Fintech (association which promotes and represents companies to innovative operational, economic or technological models) models).

Bankin offer ’

The application is compatible with Android and iOS. To use it, you should create an account and connect to the service.

He is possible to associate one or more banks in the application Among the 350s available in five European countries (France, United Kingdom, Spain, Germany and the Netherlands), such as Boursorama, Crédit Agricole, LCL, Paypal, CIC, Crédit Mutuel or Nickel.

Here is Bankin ’to his customers:

  • A saving of “350 or 450 euros per year” on invoices (the two figures are advanced in the company’s communications): detection tools make it possible to offer exclusive offers (home insurance, telephone package, d ‘Electricity…) as a function of each profile;
  • Support for long-term funding or the granting of a mini-loan amounting to € 100 to 1,000 in two minutes;
  • Automatic money earnings via the cashback system for transactions from 400 targeted traders (Carrefour, Fnac, Cdiscount, etc.): the money earned is paid directly to the account;
  • easier savings thanks to the “automatic budget” function that simplifies budget management.

Bankin’s features ’

For Facilitate money management, The Bankin ’application offers the following features:

  • Simple and clear tools: monitoring of budget evolution, operations history, internal and external transfers, forecasting of the end of the month …;
  • A multiple connection: you can manage several bank accounts from the application by adding a current account, a savings or life insurance account of the same bank or several accounts of different establishments;
  • forecasting tools for expenses and alerts in the event of unforeseen money outings, which allows you to quickly take stock of the available budget and avoid overdrafts;
  • Systematic categorizations for purchases and expenses (for example food, rent, shopping, car, leisure, etc.);
  • easily readable graphics to simplify management and savings;
  • a search engine that allows you to find a transaction quickly. It is enough to indicate an amount, a date or a title.

What does Bankin ’in its premium version offer ?

In addition to its free standard version, Bankin ’offers two premium offers, to know :

  • Bankin ‘more from € 2.49 per month which includes additional features: personalization of categories, priority support to have a quick response, transactions pointing, export of all operations and association of a reimbursement to an expense ;
  • Bankin ’PRO from € 8.33 per month (offer for professionals) which allows, in addition to the functions of Bankin’ more specified above, to synchronize several professional accounts and to program alerts.

Is data secure at Bankin ’ ?

The Bankin application is 100 % secure and approved by the ACPR (Prudential and resolution control authority), entity related to the Banque de France. She applies the same safety protocols as major banking organizations of France and Europe.

Access to the application is carried out via a secure system: by a PIN code, by reading fingerprint or by facial recognition.

Bankin ’also provides confidentiality and data protection thanks to the following measures:

  • No banking identifier appears in the application;
  • Datacenters present in Europe in supervised premises 24/7;
  • the most robust encryption algorithms on the market;
  • Compliance with the rules of the CNIL (National Commission for Data Protection) and European directives for payment services (DSP2).

Bankin review ’: what are the advantages and disadvantages ?

The Bankin application ’presents a Simple and fluid interface which allows an overview of the banking (s) and which facilitates the management of one or more budgets facilitates. Categories and graphs make it possible to quickly identify the types of expenses. Forecasts make it possible to anticipate and better manage your finances.

Other interesting solutions What does Bankin suggest:

  • optimization of invoices that can arise on real savings via the change (energy supplier, telephone operator, etc.) or contract renegotiation;
  • Coaching that helps save according to the objective defined beforehand (exchanges with a Bankin coach ’).

On the other hand, the categories proposed for expenses seem fairly limited which does not allow tailor -made or detailed management of finances. This is the case for the free version because in paid offers it is possible to personalize the categories.

The table below summarizes the main strengths and weaknesses of the Bankin application ’:

  • Clear and intuitive interface.
  • Invoice optimization.
  • Fairly complete free version.
  • Fairly complete free version.
  • Advertising and targeted communications that can be annoying for certain users.
  • Priority customer support available for paid offers only.

Thus, the Reviews on Bankin ’ posted by users on the Internet are for the vast majority rather positive. They highlight the tools that allow easy budget management and services, such as cashback and invoice optimization, which allow money or save money.

Discontent users of Bankin ’and its application deplore invasive advertisements, difficulties in joining or communicating with customer service or even concerns of synchronization of accounts with certain banks.

Benefit from our expertise in credit regrouping,
it is without commitment !

Bankin ‘ – Your Money Manager 4+

I live in Switzerland and my bank is Raiffeisen. Are you going to put the accounts here or not ?

And Switzerland ?

Hello your app is great but unfortunately not compatible in Switzerland (not yet I hope) think about it so interested !!

Developer Response ,

Thank you for your very nice words of encouragement ! Unfortunately, the addition of Swiss banks is not yet planned for the moment because we are currently focusing on French, English, Spanish and German banks. I nevertheless noted your request, and we will not fail to talk about it if there is new on this subject.

I remain at your disposal if necessary.

Not for the Swiss (Again)

No possibility of adding Swiss banks, despite requests for addition. Zero zero!

Developer Response ,

To date, we do not support Swiss banks in Bankin ‘.
However, I take note of your return and transfer it to our product team which will prioritize it according to the number of requests.

Privacy app

The Developer, Bankin ‘SAS, indicates that the app’s privacy Practices may include handling of data as described below. For more information, see the development’s privacy policy.

Data used to track you

  • Contact info
  • Identifiers
  • Data use
  • Diagnostics

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact info
  • Identifiers
  • Data use
  • Diagnostics

Data not linked to you

The following data may be collected but it is not linked to your identity:

Privacy Practices May Vary Based On, for Example, The Features You Use or Your Age. Learn More


Compatibility iPhone requires iOS 14.0 LATER. iPad Ipados 14.0 LATER. iPod touch requires iOS 14.0 LATER. Mac requires macOS 11.0 or later and a mac with Apple M1 Chip or Later.