# Penge

> Penge is a personal finance app for iPhone that brings all your bank accounts together in one place. It connects to more than 2300 banks in over 30 countries through Open Banking (PSD2), categorizes spending with smart suggestions, and lets you set budgets per category. It also scans your transaction history for recurring charges and finds your subscriptions, showing what each costs per month and when it renews. Bank connections are read-only and credentials are never stored.

## Main pages

- [Home](https://penge.app/): What Penge is and what it does
- [About Penge](https://penge.app/about): Who is behind Penge and why we built it
- [Supported banks](https://penge.app/banks): The banks Penge connects to, country by country
- [Security and privacy](https://penge.app/security): How Penge protects your data and bank connection
- [FAQ](https://penge.app/faq): Answers to common questions about Penge
- [Help centre](https://penge.app/help): Step-by-step guides to every feature in the app
- [Glossary](https://penge.app/glossary): Plain-language definitions of personal finance and Open Banking terms
- [Blog](https://penge.app/blog): Guides on budgeting, saving and Open Banking, grouped by topic
- [Calculators](https://penge.app/calculator): Free budget, savings and loan calculators
- [Contact](https://penge.app/contact): How to reach the Penge team
- [Press room](https://penge.app/press): Facts, press contact, logo and screenshots for journalists
- [Privacy policy](https://penge.app/privacy)
- [Terms of service](https://penge.app/tos)

## Help centre

- [Set up Penge and connect your first bank](https://penge.app/help/set-up-penge): What the first ten minutes asks of you: the questions about how you spend, the three ways to sign in, and the first bank login.
- [Find your way around the Penge app](https://penge.app/help/find-your-way-around): What lives on each of the four tabs, and why the summary cards on Overview and the Statistics tab can show different numbers.
- [When your bank will not connect](https://penge.app/help/when-your-bank-will-not-connect): The bank is missing from the list, or the login will not finish. How to keep the account in Penge with a manual bank and an imported statement.
- [Reconnect a bank when access expires](https://penge.app/help/reconnect-your-bank): Open banking access runs out after about 90 days. What the warnings look like, where the Reconnect accounts button is, and what happens to your history.
- [Manage an account: rename, type, delete](https://penge.app/help/manage-your-accounts): Rename an account, switch it between credit and debit, stop it syncing, delete it or the whole bank, and what to do when you want it out of your total.
- [Manual accounts and manual balances](https://penge.app/help/manual-accounts-and-balances): A manual account holds what open banking cannot reach. How to create one, set its balance, adjust it later, and how Penge carries the figure forward.
- [Import a PDF, CSV or Excel statement](https://penge.app/help/import-a-statement): How to upload a statement into an account, map the date, description and amount columns, check what came through, and delete an import you no longer want.
- [How to find a transaction in Penge](https://penge.app/help/find-a-transaction): Search descriptions, notes and amounts, narrow the list with the filter chips, and see why transactions come in the order they do.
- [Edit a transaction: what you can change](https://penge.app/help/edit-a-transaction): Change the description, amount, date, note, category and tags on a single transaction, and know what each edit overwrites.
- [Split a transaction across categories](https://penge.app/help/split-a-transaction): One receipt can belong in two categories. How to split a transaction in Penge, what the first part does, and how to undo a split.
- [Spread a cost over several months](https://penge.app/help/spread-a-cost-over-months): Divide a yearly bill evenly across months in your statistics, choose the month range, and see what spreading does not change.
- [Transfers, duplicates and reserved rows](https://penge.app/help/transfers-duplicates-and-reserved): Why transfers between your own accounts become one row, how to unlink them, what a possible duplicate is, and what reserved means.
- [How to categorize your transactions](https://penge.app/help/categorize-your-transactions): Give a transaction a category in Penge: the swipe, the suggestions, several at once, and letting the app do the ones it is sure about.
- [Build your own categories and groups](https://penge.app/help/build-your-own-categories): Create, rename, re-icon, reorder and delete categories and groups in Penge, and see what the Excluded from statistics group leaves out.
- [Categorization rules: decide a shop once](https://penge.app/help/categorization-rules): Set up a rule in Penge so every future transaction from a shop gets the same category, get rules suggested from your history, and turn one off.
- [Tags and smart tags: a second label](https://penge.app/help/tags-and-smart-tags): Create, favourite, edit and delete tags in Penge, tag several transactions at once, and see what a smart tag with a share does to your statistics.
- [Create a budget and see what is left](https://penge.app/help/create-a-budget): How to create a budget in Penge, choose its categories and period, edit or delete it, and how spent and remaining are worked out.
- [How to read your statistics in Penge](https://penge.app/help/read-your-statistics): The Statistics tab explained: the month bars, income against expenses, the three breakdowns, the donut chart and the settings popover.
- [What a typical month looks like](https://penge.app/help/what-a-typical-month-looks-like): The A typical month insight on Overview averages your last four completed months. Here is what it counts, and what it leaves out.
- [Count only your share of a joint account](https://penge.app/help/your-share-of-a-joint-account): Put a percentage on a bank account or on a tag so that only your share of a shared cost counts towards your statistics, budgets and widgets.
- [Find your subscriptions in Penge](https://penge.app/help/find-your-subscriptions): How Penge detects subscriptions from your transaction history, how to confirm or ignore what it finds, and how to add one by hand.
- [Track what your subscriptions cost](https://penge.app/help/track-what-subscriptions-cost): The cost chart, the monthly estimate, how prices are kept up to date, which charges count, and what happens when a subscription stops.
- [Penge widgets on your Home Screen](https://penge.app/help/widgets-on-your-home-screen): Add a Penge widget to the Home Screen or Lock Screen, see what each of the eight widgets shows, and categorize a transaction without opening the app.
- [Siri, Shortcuts and Apple Pay in Penge](https://penge.app/help/siri-and-shortcuts): Ask Siri what you have spent, build a Shortcut from the Penge actions, and set up the beta automation that imports Apple Pay purchases.
- [Notifications Penge sends, and how to stop them](https://penge.app/help/notifications): Penge sends two kinds of push: an uncategorized reminder and a salary alert. Here is how to turn each one off, and what Penge never sends at all.
- [Privacy controls: amounts and AI suggestions](https://penge.app/help/privacy-controls): Hide every amount, understand the two categorization settings, and see exactly what the opt-in AI consent shares and with whom. Both AI settings start off.
- [Export or delete your Penge data](https://penge.app/help/export-or-delete-your-data): Download everything Penge holds as a zip, clear out transactions up to a month you choose, or delete the account outright. All three sit on one screen.

## Articles

### Getting started

[Getting started with a budget app](https://penge.app/blog/topic/getting-started): Connecting a bank, and what happens to your transactions after that.

- [Your bank will not connect: upload the statement as a file instead](https://penge.app/blog/upload-bank-statement): When open banking cannot reach your bank, export the statement and upload it. Which format to pick, what a clean file looks like, what happens to rows that cannot be read, and how the transactions sit beside the connected ones.
- [How to see your spending without opening the app](https://penge.app/blog/home-screen-widgets): Penge has eight home screen widgets and four controls. Here is which widget answers which question, what you can change on each one, and where each earns its place.
- [Connecting your bank: what actually happens](https://penge.app/blog/connect-your-bank): How Penge connects to a bank, what the first sync includes, when access expires, how the app warns you, and the fallbacks for a missing bank.
- [One receipt, two categories: how to split a transaction](https://penge.app/blog/split-transactions): A shop that was mostly food and one birthday present belongs in two categories. How splitting works in Penge, what it does to your month, and when a smart tag is the better tool.
- [What fraud looks like in your transaction list](https://penge.app/blog/spot-fraud-in-your-transactions): Fraud takes a handful of recognisable shapes in a transaction list. How to see them, what to do in what order when you find one, and what you are actually entitled to.
- [Vipps, Swish and MobilePay in your budget](https://penge.app/blog/mobile-payments-in-your-budget): Mobile payments between friends make a month look wrong in both directions. Here is the simple rule that fixes it, and how to handle rent, gifts and split dinners.
- [Bank app or budgeting app? What each one is good for](https://penge.app/blog/bank-app-or-budgeting-app): Your bank's app handles payments and cards. Penge combines the accounts you connect, then adds shared categories, live budgets and subscription tracking across them.
- [What a card payment in another currency really costs](https://penge.app/blog/paying-in-another-currency): The rate, the markup and the fee are three separate things. What happens when you pay by card abroad, and why the amount changes a few days later.
- [Automatic categorization: how an app sorts your spending](https://penge.app/blog/automatic-categorization): Bank transactions arrive as one line of text written by a payment terminal. Here is how a budgeting app turns that into categories, and what it cannot do for you.
- [Why your credit card is missing from your finance app](https://penge.app/blog/credit-cards-and-open-banking): Credit cards are not covered by Open Banking the way payment accounts are, so it is up to the issuer. Here is how to check whether yours connects, and what to do if it does not.
- [Is Open Banking safe? How it works](https://penge.app/blog/is-open-banking-safe): Is it safe to connect an app to your bank? Here is how Open Banking works, what the law says, and how your money and password are protected.
- [How to get an overview with several bank accounts](https://penge.app/blog/multiple-bank-accounts): Salary account, savings account, joint account and credit card in different banks? Here is how to bring it all together and get a full overview of your finances.

### Budgeting

[Budgeting, month after month](https://penge.app/blog/topic/budgeting): Building a budget you keep, on your own or with someone else.

- [Budgeting app for couples: what to look for](https://penge.app/blog/budgeting-app-for-couples): A couples budgeting app has to separate joint money from personal money. Here are five checks to make, plus the limits of Penge: separate user spaces, no account sharing between profiles and no who-owes-whom feature.
- [The 15-minute monthly money review](https://penge.app/blog/monthly-money-review): A short checklist for going through your finances once a month, with a time budget for each step and what to leave out of fifteen minutes.
- [Spreadsheet or budgeting app? Keep the parts that work](https://penge.app/blog/spreadsheet-or-budgeting-app): Most spreadsheet budgets fail on data entry, not on maths. Here is what a sheet still does better, and how to let an app do the typing while the sheet keeps thinking.
- [Zero-based budgeting: give every krone a job](https://penge.app/blog/zero-based-budgeting): A deep dive into zero-based budgeting: what it means, why the goal is zero, a worked income-minus-expenses example, and how to run it month by month.
- [How to manage money as a couple](https://penge.app/blog/managing-money-as-a-couple): Separate, joint or a bit of both? How couples can organize money together, split shared costs fairly, get a shared overview, and keep money from becoming a source of conflict.
- [50/30/20, zero-based or envelopes: which budgeting method fits you?](https://penge.app/blog/budgeting-methods): A comparison of three proven budgeting methods: the 50/30/20 rule, zero-based budgeting and the envelope method. How each one works, who it suits, and how to choose.
- [How to build a budget that actually sticks](https://penge.app/blog/how-to-budget): A simple step-by-step guide to making a personal budget. Learn the 50/30/20 rule, avoid the most common mistakes, and get a clear overview of your finances.

### Saving

[How to save money every month](https://penge.app/blog/topic/saving-money): Putting money aside, and finding the money to put aside.

- [Klarna and 30,000 EuroBonus points: the campaign is closed. Do you still get the points?](https://penge.app/blog/klarna-max-eurobonus-points): Klarna gives new Premium and Max members up to 30,000 SAS EuroBonus points for joining between 1 and 7 September. The campaign is now closed. If you joined, here is what it costs, how to set it up, and the dates that decide whether you get the points.
- [How to earn EuroBonus points faster in Norway (2026)](https://penge.app/blog/how-to-earn-eurobonus-points): A simple guide to earning SAS EuroBonus points with credit cards in Norway: the three-card setup (SAS Amex Premium, SAS Mastercard Premium and Trumf), when it pays off, and the biggest catch.
- [Sinking funds: how to save for the bills you can see coming](https://penge.app/blog/sinking-funds): Sinking funds turn big, irregular costs into a small monthly amount. Here is how to set up sinking funds for the car, Christmas, insurance and holidays.
- [How to get control of your subscriptions](https://penge.app/blog/track-your-subscriptions): Streaming, apps, gym, insurance: small monthly charges add up fast. Here is how to find every subscription you pay for, decide what to keep, and stop them creeping back.
- [How to save for a house deposit](https://penge.app/blog/save-for-a-house-deposit): Saving for a home deposit takes time and a plan. Here is how to set a realistic target, make the saving automatic, choose where to keep the money, and stay motivated.
- [Emergency fund: how much should you have saved?](https://penge.app/blog/emergency-fund): How much should you have in an emergency fund? Here is how to work out how big your buffer should be, and how to build it up.
- [8 money-saving tips that actually work](https://penge.app/blog/money-saving-tips): Practical money-saving tips you can use right away. Save more without it hurting, and let your saving run on its own.

### Debt and tax

[Debt, tax and the bills you did not plan](https://penge.app/blog/topic/debt-and-tax): Bills that arrive whether you planned for them or not.

- [What a change in the policy rate costs you each month](https://penge.app/blog/what-a-rate-change-costs-you): A policy rate decision is news for a day, then quietly changes your monthly payment weeks later. Here is how the rate reaches your loan, what a change of a given size costs, and what to check before the next decision.
- [Underpaid tax in Norway: what to do when the bill arrives](https://penge.app/blog/underpaid-tax-norway): Got restskatt in your Norwegian tax settlement? Here are the payment deadlines, the 3.12 percent interest, the two-invoice rule, and what to do if you cannot pay it all.
- [How to pay off debt faster](https://penge.app/blog/how-to-pay-off-debt): How to get rid of debt faster. The snowball method versus the avalanche method explained, and how to free up money to pay down more.

### Comparing apps

[The best budget apps compared](https://penge.app/blog/topic/budget-apps): How Penge sits next to the alternatives.

- [Penge vs Emma](https://penge.app/blog/penge-vs-emma): Penge connects Nordic and other European banks, including supported UK institutions. Emma covers the UK, US and Canada, not Nordic banks, and offers Android and iPad apps.
- [Penge vs Wallet by BudgetBakers](https://penge.app/blog/penge-vs-wallet-budgetbakers): Penge includes bank sync for free with no ads. Wallet is broader, with a free manual tier and paid Premium plans. Here is which one suits you.
- [Penge vs Spendee](https://penge.app/blog/penge-vs-spendee): Spendee Basic is capped at one budget and one cash wallet. Penge has neither cap. Compare paid plans, multiple currencies and platform support.
- [Penge vs Dreams](https://penge.app/blog/penge-vs-dreams): Dreams gets you saving toward a goal. Penge shows where the money actually goes. They solve different halves of the same problem and barely collide.
- [Penge vs Lunar](https://penge.app/blog/penge-vs-lunar): Penge gathers your existing bank accounts without asking you to open another account. Lunar combines a bank account with multi-banking. Here are the differences and prices.
- [Penge vs Revolut](https://penge.app/blog/penge-vs-revolut): Revolut is an account with an overview attached. Penge is a read-only overview with no bank account. Both can bring in external accounts through Open Banking, though Revolut offers it only in some markets.
- [Penge vs Spiir](https://penge.app/blog/penge-vs-spiir): Spiir closed on 8 June 2026. Here is what Penge does that Spiir did, what is different, and what happens to the history you had there.
- [Penge vs Actual Budget](https://penge.app/blog/penge-vs-actual-budget): Penge uses GoCardless for European bank data. Actual can use the same provider with existing GoCardless credentials, but its server and bank sync are yours to configure.
- [Penge vs Buddy](https://penge.app/blog/penge-vs-buddy): Penge brings connected accounts and imported transactions into one overview. Buddy centres on budgets, deliberate entry and sharing. Which one fits depends on how you want to work.
- [Penge vs Frid](https://penge.app/blog/penge-vs-frid): Two Norwegian finance apps with different bank coverage and pricing models. What each gives you without paying, and where they part ways.
- [Penge vs YNAB](https://penge.app/blog/penge-vs-ynab): Penge vs YNAB on price, bank connections, categorization, budgeting, recurring charges, sharing and platforms.
- [Mint, Monarch and Copilot alternatives in Europe](https://penge.app/blog/mint-monarch-copilot-alternative-europe): Mint is closed, Copilot supports US accounts only, and Monarch does not convert currencies. See how Penge differs for European users.
- [YNAB alternatives that work with Nordic banks](https://penge.app/blog/ynab-alternative): YNAB bills in dollars and connects to a limited set of European banks. Here is what to check before you switch, and how to keep the method without the subscription.
- [How to choose a budgeting app in 2026](https://penge.app/blog/best-budgeting-app): Bank app, spreadsheet, YNAB or something else? An honest guide to choosing a budgeting app, what actually matters, and how the options compare.

## Calculators

- [Budget calculator](https://penge.app/calculator/budget): Split your income with the simple 50/30/20 rule.
- [Savings calculator](https://penge.app/calculator/savings): See how your savings grow with compound interest.
- [Loan calculator](https://penge.app/calculator/loan): Work out the monthly cost and total interest on your loan.
- [Debt payoff calculator](https://penge.app/calculator/debt): Compare the snowball and avalanche methods and see when you are debt-free.
- [How much can you borrow?](https://penge.app/calculator/affordability): Turn the monthly payment you can afford into the largest loan that fits it.
- [Net worth calculator](https://penge.app/calculator/net-worth): Add up what you own, subtract what you owe, and see your net worth.
- [Savings goal calculator](https://penge.app/calculator/savings-goal): Work out how much to save each month to reach your goal on time.

## Connect your bank

- [Connect DNB to Penge](https://penge.app/banks/dnb)
- [Connect Nordea to Penge](https://penge.app/banks/nordea)
- [Connect Handelsbanken to Penge](https://penge.app/banks/handelsbanken)
- [Connect Sparebanken Norge to Penge](https://penge.app/banks/sparebanken-norge)
- [Connect Danske Bank to Penge](https://penge.app/banks/danske-bank)
- [Connect Swedbank to Penge](https://penge.app/banks/swedbank)
- [Connect SEB to Penge](https://penge.app/banks/seb)
- [Connect Jyske Bank to Penge](https://penge.app/banks/jyske-bank)
- [Connect Sydbank to Penge](https://penge.app/banks/sydbank)
- [Connect Nykredit to Penge](https://penge.app/banks/nykredit)
- [Connect SpareBank 1 to Penge](https://penge.app/banks/sparebank-1)
- [Connect Storebrand to Penge](https://penge.app/banks/storebrand)
- [Connect Länsförsäkringar to Penge](https://penge.app/banks/lansforsakringar)
- [Connect ICA Banken to Penge](https://penge.app/banks/ica-banken)
- [Connect Spar Nord to Penge](https://penge.app/banks/spar-nord)
- [Connect Arbejdernes Landsbank to Penge](https://penge.app/banks/arbejdernes-landsbank)
- [Connect Lunar to Penge](https://penge.app/banks/lunar)
- [Connect Lån & Spar Bank to Penge](https://penge.app/banks/lan-spar-bank)
- [Connect Revolut to Penge](https://penge.app/banks/revolut)
- [Connect N26 to Penge](https://penge.app/banks/n26)
- [Connect Wise to Penge](https://penge.app/banks/wise)
- [Connect Monzo to Penge](https://penge.app/banks/monzo)
- [Connect bunq to Penge](https://penge.app/banks/bunq)
- [Connect ING to Penge](https://penge.app/banks/ing)
- [Connect Starling Bank to Penge](https://penge.app/banks/starling-bank)
- [Connect Santander to Penge](https://penge.app/banks/santander)
- [Connect Bank Norwegian to Penge](https://penge.app/banks/bank-norwegian)
- [Connect Sparebanken Møre to Penge](https://penge.app/banks/sparebanken-more)
- [Connect Sparebanken Øst to Penge](https://penge.app/banks/sparebanken-ost)
- [Connect KLP Banken to Penge](https://penge.app/banks/klp-banken)
- [Connect OBOS-banken to Penge](https://penge.app/banks/obos-banken)
- [Connect Landkreditt Bank to Penge](https://penge.app/banks/landkreditt-bank)
- [Connect Sparebanken Sogn og Fjordane to Penge](https://penge.app/banks/sparebanken-sogn-og-fjordane)
- [Connect Skandiabanken to Penge](https://penge.app/banks/skandiabanken)
- [Connect Resurs Bank to Penge](https://penge.app/banks/resurs-bank)
- [Connect Ålandsbanken to Penge](https://penge.app/banks/alandsbanken)
- [Connect Sparbanken Syd to Penge](https://penge.app/banks/sparbanken-syd)
- [Connect Svea Bank to Penge](https://penge.app/banks/svea-bank)
- [Connect OK-Q8 Bank to Penge](https://penge.app/banks/ok-q8-bank)
- [Connect Ringkjøbing Landbobank to Penge](https://penge.app/banks/ringkjobing-landbobank)
- [Connect Sparekassen Danmark to Penge](https://penge.app/banks/sparekassen-danmark)
- [Connect Sparekassen Kronjylland to Penge](https://penge.app/banks/sparekassen-kronjylland)
- [Connect Sparekassen Sjælland-Fyn to Penge](https://penge.app/banks/sparekassen-sjaelland-fyn)
- [Connect Vestjysk Bank to Penge](https://penge.app/banks/vestjysk-bank)
- [Connect Coop Bank to Penge](https://penge.app/banks/coop-bank)
- [Connect Fynske Bank to Penge](https://penge.app/banks/fynske-bank)
- [Connect Djurslands Bank to Penge](https://penge.app/banks/djurslands-bank)

## For agents

- Any page here returns markdown if you send `Accept: text/markdown`.
- [Bank lookup API](https://penge.app/api-docs): check whether Penge connects to a given bank, by name or country. No key needed.

## Other languages

The site is also available in:

- Norsk: https://penge.app/no
- Svenska: https://penge.app/sv
- Dansk: https://penge.app/da