How to get an overview with several bank accounts
Co-founder of Penge · Published 16 July 2026 · 5 min read
If you have accounts in several banks, it quickly becomes hard to see the whole picture. Here is how to bring it all together and get a full overview of your finances.
Key takeaways
- Money spread across a salary account, savings account, joint account and credit card is hard to see as a whole.
- Start by bringing every account into one place, so you see balances and transactions side by side.
- Categorize spending the same way across all accounts to see where money goes, whichever card you used.
- Subtract debt from what you own to see your net worth, not just one account's balance.
- Penge connects to more than 2500 banks in over 30 countries and gathers everything into one overview automatically.
Why does it get so hard to keep track?
Because your money is spread across several places: a salary account in one bank, a savings account in another, maybe a joint account and a credit card too. On their own they make sense, but together it becomes hard to see what you actually spend and how much you really have.
Most of us have money spread across several places: a salary account in one bank, a savings account in another, maybe a joint account and a credit card on top. On their own they make sense, but together it becomes hard to see what you actually spend and how much you really have.
Bring everything into one place
The first step to an overview is seeing all your accounts side by side. When balances and transactions from every bank sit together, you no longer have to log in to five different places to build a picture.
Categorize spending across accounts
An overview is about more than balances. It is about where the money goes. When spending from all your accounts is categorized the same way, you can see straight away how much goes to, say, food, transport or subscriptions, no matter which card you used.
See your net worth
Once everything is gathered, you can subtract debt from what you own and see your net worth. That gives an honest picture of your financial situation, not just the balance of a single account.
Budget calculatorSplit your income with the simple 50/30/20 rule.How Penge does it
Penge connects to more than 2500 banks in over 30 countries, pulls in all your accounts automatically and categorizes your transactions for you. You get one combined overview of spending, budgets and balances, with no manual work.
Not sure whether your banks are on the list? See which banks are supported
Get a full overview with Penge
Connect your bank and let the app categorize and budget automatically.
Frequently asked questions
- Can I connect accounts from several banks?
- Yes. Penge supports more than 2500 banks in over 30 countries, and you can connect as many accounts as you like, from different banks.
- What if my bank is not supported?
- Then you can upload account statements yourself, and the app pulls the transactions out of them.
- Are transactions categorized automatically?
- Penge suggests categories automatically and only sorts a transaction on its own when it is sure. You can always adjust the suggestions or create your own categories.