# Spendee review

> Mobile budgeting with shared wallets and optional Premium bank syncing
Source: https://budgetingapps.org/apps/spendee (researched 2026-10-13). Research-based review, not hands-on testing.

## Summary

Spendee is a mobile-first budgeting and money-tracking app with cash wallets, category budgets, shared wallets and transaction import/export. Its Basic tier is free; Plus and Premium add features and remove limits. Premium highlights bank, e-wallet and crypto-wallet links and automatic categorization, though the public pricing page and older help documentation are unclear on exactly which plan includes bank sync. Official apps are available for iOS and Android.

**Best for:** Mobile-first budgeters who want cash wallets, shared spending and optional bank connections; verify current plan access and provider coverage.

## Key facts

- Website: https://www.spendee.com/
- Price: $1.99/month; $14.99/year
- Rating: 3.7/5
- Free plan: yes
- Free trial: Spendee's official pricing page advertises a 7-day free trial for paid features; payment and renewal terms were not verified.
- Platforms: Web, iOS, Android
- Budgeting method: Expense tracking, Financial management, Couples & families
- Bank sync: Spendee's help article (last updated May 2022) says bank links require Premium, but the current pricing page's extracted plan table does not clearly expose plan gating. Verify in the current plan/checkout. Vendor says 2,500+ providers; auto-sync works for some about every 24h; others require manual refresh. Some 2FA bank flows are incompatible with automatic sync.
- Mobile apps: Native iOS and Android apps plus a web app. Current support pages document web access and features; the pricing landing page still says web is coming soon, so vendor copy is inconsistent.
- Import: Mobile app exports CSV or XLS; Free export is limited to the last 365 days, while Plus and Premium offer unlimited exports. The web app imports CSV/XLS.
- Multiple budgets: Basic: 1 budget; Plus and Premium: unlimited budgets, per official pricing page.
- Budget sharing: Shareable wallets for household or group spending are documented; whether collaborators use separate logins was not confirmed.
- Team: SPENDEE a.s. (Google Play developer listing).
- Privacy: Vendor describes bank connections as read-only. It says some bank credentials may be stored encrypted if the user opts in; for directly connected banks, it may instead receive a limited-life authorization token.

## Features

- Envelope budgeting: not confirmed
- Automatic bank sync: yes
- Manual transaction entry: yes
- Goal tracking: not confirmed
- Debt payoff tools: not confirmed
- Investment tracking: not confirmed
- Bill reminders: not confirmed
- Reports & charts: yes
- Multi-currency: yes
- Shared / household budgets: yes
- Separate logins for shared budgets: not confirmed

## Pros

- Basic is free with one cash wallet and one budget.
- Plus and Premium allow unlimited wallets and budgets; shared wallets support household or group budgeting.
- Premium adds bank, e-wallet and crypto-wallet connections, plus automatic categorization.
- Spendee has official iOS and Android apps and supports transaction import/export.

## Cons

- Recurring transaction rules are limited to manual cash wallets, so they're not a general recurring-bill workflow for linked bank wallets.
- Spendee's older help article says bank connections require Premium, but the current pricing table does not clearly show plan gating; sync frequency and bank coverage vary by provider.
- Free-plan exports cover only the most recent 365 days; unlimited exports require Plus or Premium.
- The pricing page says web is coming soon, while current help docs and the App Store listing describe an existing web app; the vendor's public copy is inconsistent.

## Our review

### Spendee review: mobile wallets and shared budgets

**Research-based profile, not hands-on testing.** I reviewed Spendee's public plans, help pages, store listings and independent coverage. I did not create an account, start a trial or connect a bank.

Spendee organizes personal spending around cash wallets and category budgets. Basic is free with one cash wallet and one budget. Plus and Premium remove wallet and budget limits and support shared wallets. The help center says budgets can include selected categories, repeat on a chosen schedule and alert users near 75% and 90% of their limit. It also offers scheduled future transactions; recurring rules are currently limited to manual cash wallets, a meaningful boundary for anyone relying on linked accounts.

#### Pricing and bank connections

The pricing page lists Basic as free, Plus at $1.99 per month or $14.99 per year, and Premium at $5.99 per month or $35.99 per year; prices can vary by country. It advertises a seven-day free trial for paid features. Premium highlights bank, e-wallet and crypto-wallet connections and automatic categorization. The help article says bank links require Premium, though the pricing-page comparison does not clearly expose every plan's feature gates. Confirm the current access level at checkout. Spendee says it connects to more than 2,500 financial providers; automatic refresh is only available for some banks, generally about daily, while other providers require manual refresh. Some two-factor bank flows cannot auto-sync.

#### Web, mobile and portability

Spendee has native iOS and Android apps. Its help center also describes a web app with bulk transaction editing, CSV/XLS import and detailed analysis, and the App Store listing mentions a web version. The pricing landing page still says web is coming soon, so the vendor's public copy is inconsistent; I list the web app based on the support documentation and store listing.

The mobile app can export CSV or XLS. Basic exports are limited to the most recent 365 days; Plus and Premium offer unlimited exports. The vendor says bank connections are read-only, communications and stored data are encrypted, credentials are stored only if users opt in, and it does not sell data. This is vendor documentation, not an independent security audit.

#### Recent maintenance and bottom line

The iOS listing reports version 6.0.10 released October 12, 2026; Google Play lists an October 10 update with scheduled-payment chart views and improved search. USA Today published an independent hands-on review in July 2026. Spendee is an approachable choice for mobile-first spending, shared wallets and category caps. Check the current bank-sync plan and the limits of recurring transactions before relying on it as a fully automated bill planner.

#### Sources

- [Pricing and plans](https://www.spendee.com/pricing)

- [Budget setup and alerts](https://help.spendee.com/article/131-budget-my-money)

- [Scheduled transactions](https://help.spendee.com/article/229-scheduled-transactions)

- [Web app](https://help.spendee.com/article/199-spendee-web-app)

- [Data export](https://help.spendee.com/article/137-export-transactions)

- [Security](https://help.spendee.com/article/168-security)

- [Bank sync](https://help.spendee.com/article/140-sync-my-bank-account-with-spendee)

- [USA Today review](https://www.usatoday.com/story/money/personalfinance/budget-and-spending/spendee-review/90750811007/)

- [App Store](https://apps.apple.com/us/app/expense-budget-app-spendee/id635861140) and [Google Play](https://play.google.com/store/apps/details?id=com.cleevio.spendee)

## Sources

- [Official pricing and plan page](https://www.spendee.com/pricing) (retrieved 2026-10-13)
- [Official help: budget limits and alerts](https://help.spendee.com/article/131-budget-my-money) (retrieved 2026-10-13)
- [Official help: scheduled transactions (updated Aug. 19, 2026)](https://help.spendee.com/article/229-scheduled-transactions) (retrieved 2026-10-13)
- [Official help: web app](https://help.spendee.com/article/199-spendee-web-app) (retrieved 2026-10-13)
- [Official help: data export](https://help.spendee.com/article/137-export-transactions) (retrieved 2026-10-13)
- [Official help: bank connection plan (last updated May 2022)](https://help.spendee.com/article/144-connect-a-bank-account) (retrieved 2026-10-13)
- [Official help: sync frequency and provider limitations (updated Aug. 27, 2026)](https://help.spendee.com/article/140-sync-my-bank-account-with-spendee) (retrieved 2026-10-13)
- [Official bank-connect and security information](https://www.spendee.com/bank-connect) (retrieved 2026-10-13)
- [Official help: security (updated Aug. 19, 2020)](https://help.spendee.com/article/168-security) (retrieved 2026-10-13)
- [Spendee App Store listing (version 6.0.10 released Oct. 12, 2026)](https://apps.apple.com/us/app/expense-budget-app-spendee/id635861140) (retrieved 2026-10-13)
- [Spendee Google Play listing (updated Oct. 10, 2026)](https://play.google.com/store/apps/details?id=com.cleevio.spendee) (retrieved 2026-10-13)
- [Independent hands-on review, USA Today](https://www.usatoday.com/story/money/personalfinance/budget-and-spending/spendee-review/90750811007/) (retrieved 2026-10-13)