Spendee Review 2026: Bank Sync in the Cloud, Behind an Account

Spendee has been on the App Store long enough that several recent reviewers describe a decade of use. The numbers are solid: an average of 4.6 from about 6,200 US App Store ratings, 27 interface languages, and apps for iPhone, iPad, Android and the web. This review uses only Spendee's website, help center, privacy policy and App Store listing, fetched on 12 September 2026. Anything those do not settle is marked as unverified.

What Spendee is

A cloud expense tracker from CLEEVIO s.r.o. in Prague, sold on the US App Store as Expense & Budget App: Spendee. The iOS app requires iOS 15.1 or later and weighs about 109 MB; the current build is version 6.0.3, released 5 September 2026. There is an Android app and a web version.

The product is organised around wallets. Cash wallets you fill by hand, or connected ones that pull transactions from a bank, PayPal or Coinbase, and either kind can be shared with a partner or flatmates. Budgets, labels, multiple currencies, infographics, a dark mode and a new AI Receipt Scanner fill out the rest.

Pricing, as listed

Spendee Basic is free and, per the help center, includes backup and sync, one cash wallet, one budget, import and export of transactions, a detailed overview and secured data. Spendee Plus is $1.99 a month or $14.99 a year on the website, unlocking unlimited wallets and budgets, shared wallets and bank sync. Spendee Premium is $5.99 a month or $35.99 a year and adds automatic categorization.

Then there is the App Store purchase list, which is busier and does not entirely agree. It matches Premium at $5.99 and $35.99, adds a quarterly Premium at $6.99 and items at $11.49 and $28.99 with no stated period, and shows Spendee Plus at $3.99 and $27.99, which are not the website's numbers. Lifetime Premium is featured at $119.99, with $59.99 and $44.99 lifetime items also listed and no stated eligibility for either. The trial is 7 days on Plus and Premium, once per App Store or Google Play account, and does not apply to Lifetime.

What is genuinely good

Bank sync is the headline and it is real. Online banking, PayPal and Coinbase connect through Salt Edge and Plaid, and the privacy policy states that your banking credentials are not stored by Spendee, Salt Edge or Plaid. On Premium, transactions categorize themselves.

Shared wallets solve a problem most trackers refuse to touch. Two people adding to one wallet is simply not something a single-user app can approximate, and Spendee has had it for years.

It also runs everywhere: iPhone, iPad, Android and the web, with backup and sync included even on the free tier, in 27 interface languages.

Receipt scanning is newer and worth noting, because most apps in this category still do not have it. A scan creates a transaction with price, category, description and photo filled in, though the tier it belongs to is never stated. Import and export of transactions is listed for every tier, format unstated.

And the history keeps people. The warmest recent App Store reviews come from users with five to ten years in the app, who value the long record. One describes the developers actually implementing a suggestion, which is not a thing people write about often.

What is weak or missing

An account is mandatory and the data lives elsewhere. A Spendee account requires your name, email and login credentials, with Facebook, Google and Sign in with Apple as alternatives, and the servers are in Belgium and the United States. Recent reviews mention the app not working without an email, and paying users still seeing upsell pop-ups while adding a transaction.

Version 6 has had a hard landing. The 50 most recent US reviews are dominated by the redesign. Many describe it as slow, freezing, crashing or refusing to open, and dislike the larger numbers and the new home screen. A few call the design excellent. These are user reports rather than verified faults, but the volume of them is hard to ignore, and it is the single most useful thing to check before you commit.

Bank connections are only ever as good as the aggregator behind them. Recent reviews mention connections to some US banks and card issuers that fail or stop syncing, and that is precisely the feature you would be paying for.

The free tier is one wallet and one budget, which suits a cash log and nobody with a card and a savings account. And the price list takes patience: two Plus prices depending on where you look, five Premium price points, three lifetime prices with no stated eligibility, plus recent reviews describing a full charge instead of the promised trial. None of it is hidden. All of it needs reading carefully.

Neither voice entry nor an Apple Pay automation appears in any source we fetched, and nor do recurring transactions, widgets or an Apple Watch app.

Privacy, in Spendee's own words

On the account, the data required "include your first name, last name, e-mail address, login credentials, language, currency and subscription details." On location: "Provider's database servers are located within the European Union (Belgium) and in the USA." On marketing: "the Provider, as a data controller, may use your e-mail address... to send you direct marketing communications regarding Spendee," and the application uses cookies including for targeting advertisement. Named processors include Google, Salt Edge, Plaid, Mailgun, Facebook, Zendesk and Sendinblue.

In fairness, no third-party ad SDK is stated anywhere, and the App Store label gives the purposes of the linked data as analytics, product personalization and app functionality.

Who Spendee suits

Someone who wants bank, PayPal or Coinbase transactions to arrive on their own. Someone sharing money with a partner or flatmates. Someone on Android, an iPad or a browser. Anyone who already has years of history in it. And anyone fine with an account, cloud storage and $14.99 to $35.99 a year.

It suits you less if you want no account, no bank connection, more than one wallet on a free plan, or a version 6 that has stopped wobbling.

How Cash Book differs

Cash Book is the narrower product and makes the opposite bet: no bank connection and no account, with transactions on the iPhone and optional sync to your own iCloud. The primary paths are voice logging, where one sentence becomes one or several transactions, and a one-time Shortcuts automation described on the Apple Pay auto-logging page. A receipt snap and a three-tap keypad cover the rest. It costs $39.99 a year or $19.99 once after a 7-day trial, with no free tier, no shared wallets and no web, Android or iPad version. The full side-by-side is in Cash Book vs Spendee.

The bottom line

Spendee earns its place on three things most trackers cannot offer at all: a bank feed, a wallet two people can share, and an app that runs on whatever device happens to be in your hand. The costs are equally real. An account with your name on it. Data on servers in two jurisdictions. A free tier that stops at one wallet. A price list that takes patience to read. And a version 6 that a lot of long-time users are currently unhappy with.

Want bank sync and shared money? It is a sensible pick. Read this month's reviews first, though, and use the trial properly.

Get Cash Book on the App StoreFree for 7 days. $19.99 once for lifetime.

Get Cash Book on the App StoreFree for 7 days. $19.99 once for lifetime.