BBVA Money is BBVA’s own personal-finance app. It works great if your whole financial life runs through BBVA. If not, or if you simply prefer an independent tool with no cross-selling, Sumant fits better.
Summary
Comparison table
| Sumant | BBVA Money | |
|---|---|---|
| Works with any bank | Yes | Partial |
| Independent of a banking provider | Yes | No |
| No financial-product recommendations | Yes | No |
| No bank connection | Yes | No |
| Universal web app (no install) | Yes | No |
| Calm design | Yes | Partial |
BBVA Money is built by BBVA. It reads your BBVA account movements (and other banks via PSD2) and uses that data to suggest financial products. Sumant belongs to no bank, doesn't read your movements and has nothing to sell you.
Three usual reasons: they change banks and don’t want to be tied to their old bank’s app, they don’t want their finance app to double as a cross-selling channel, or they want something that works the same across multiple banks without sharing credentials with an aggregator.
BBVA Money is free for BBVA customers. Sumant is also free at the base tier: unlimited manual transactions, multi-account, budgets and dashboard. PRO Founder costs €19.99 as a single payment and adds imports without the free plan limit, recurring transactions, custom categories and CSV and XLSX export.
See full pricing →In Sumant you create as many accounts as you need — checking, savings, cash, one per bank — and log each expense to the right one. No aggregators, no credentials sharing, no dependency on which bank you use next.
First on your own device. Then, encrypted and linked to your account. No banking subsidiary, no shared accounts.
How we look after your data →No card. No bank connection. The free plan does not expire.
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