The Finance Base / Apps / Wallet by BudgetBakers
web.budgetbakers.com
Wallet by BudgetBakers
Wallet by BudgetBakers is a freemium personal finance tracker rather than a bank. It links accounts for read-only transaction and balance updates, handles budgets, bills, net worth and multiple currencies, and works on Android, iPhone and the web.
Visit web.budgetbakers.com ↗ What it costs
- Free planprice, as published
- Oct 11, 2026read on
What Wallet by BudgetBakers costs
- Premium Lifetime Not published
- Premium Monthly Not published
- Premium Yearly Not published
- Free Free
The Free plan has no charge and covers basic tracking. No prices are listed for Premium Lifetime, Monthly or Yearly plans.
As budgetbakers.com publishes them, read Oct 11, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Yes
- Runs on
- iPhone Android Web
- Facts on record
- 23
Strengths and limits
Strengths
- The free tier provides basic personal finance tracking.
- Android, iPhone and web versions are available.
- Wallet includes budgeting, bill and net-worth tools.
- Read-only syncing reaches more than 15,000 institutions.
- The mobile apps list receipt capture and offline operation.
Limits
- Wallet cannot make payments, take out cash or store funds.
- Group Sharing and REST API access are Premium features.
What Wallet does
Wallet tracks personal finances and helps set category spending limits, choose different budget types, and flag overspending. It also tracks bills and net worth, with AI-assisted category assignment.
It is a tracker, not a bank. Wallet cannot make payments, take out cash or keep funds.
Fees and plans
Wallet uses a freemium model. Its Free plan has no charge and provides basic personal finance tracking.
Premium comes in Lifetime, Monthly and Yearly versions. Features listed for Premium include Group Sharing and REST API access.
Where it runs
Wallet has apps for Android and iPhone, plus a web app. On mobile, listed functions include real-time notifications, rapid expense entry, receipt scanning and offline operation.
The web app lists advanced analytics, bulk operations, report export and multi-tab support. Wallet links with over 15,000 financial institutions to sync transactions and update balances. It supports multiple currencies and says it calculates exchange rates automatically.
Historical financial records may be brought in as CSV, XLS or OFX files.
Protection, as BudgetBakers describes it
BudgetBakers says it holds ISO 27001 certification, meets PCI DSS requirements and is PSD2 licensed. It describes bank access as read-only.
The company says it complies with GDPR, seeks explicit user authorization and allows data deletion. These are BudgetBakers' published statements; no further protection terms are given in the supplied facts.
Strengths
Wallet combines spending limits, overspending alerts, bill tracking and net-worth views in one tracker. Account syncing and multi-currency support can reduce manual entry.
Its mobile apps support receipt scanning and offline use, while the web app adds analytics, bulk actions and exports. Premium Group Sharing lets households choose which accounts to share for expenses and savings goals.
The REST API gives Premium subscribers access to transactions, accounts, budgets and goals, and Wallet also provides MCP connections for AI assistants.
Catches and conditions
Wallet does not move money or keep it, so payment and cash-withdrawal tasks are outside its scope.
Bank syncing depends on connections to supported institutions. The product says it reaches over 15,000 institutions, but no country list, currency list or account limits are provided here.
Premium is required for Group Sharing and REST API access. The API is limited to Premium subscribers, and the facts do not describe other plan limits or any holds.
Who may want something else
People who need an app to send payments, withdraw cash or hold balances should skip Wallet because it is a tracking and budgeting tool, not a bank. Those needing published Premium prices may also find the plan details too thin.
Verdict
Wallet fits people who want account-linked tracking, category budgets, bill and net-worth views across phone and web, with optional household sharing and data exports. Its read-only bank connections and stated privacy controls describe how BudgetBakers says it handles access and data.
It is less suited to anyone looking for payment services, cash access or an account that stores money. The missing prices for all Premium terms, plus unspecified country, currency and sync limits, leave costs and availability to confirm before signup.
Who it suits
Pick it if
- People tracking spending and budgets across phone and web
- Households wanting controlled sharing of selected accounts
- Users who need exports or Premium API access
Skip it if
- You need payments, cash withdrawals or a balance-holding account
- You require published Premium prices before comparing plans
- Your bank or country may not be supported by the sync connection
Facts we read
- Account syncboth · budgetbakers.com, Sep 19, 2026
- API accessThe REST API is for Premium subscribers and allows access to Wallet data including transactions, accounts, budgets, and goals. · budgetbakers.com, Oct 11, 2026
- Bank syncThe product page says Wallet connects to over 15,000 financial institutions for transaction syncing and balance updates. · budgetbakers.com, Oct 11, 2026
- Bill trackingYes · budgetbakers.com, Sep 19, 2026
- BudgetingWallet supports category spending limits, overspending alerts, AI-powered category assignment, and multiple budget types. · budgetbakers.com, Oct 11, 2026
- Budgeting toolsYes · budgetbakers.com, Sep 19, 2026
- Founded2014 · web.budgetbakers.com, Sep 28, 2026
- Free planYes · budgetbakers.com, Sep 19, 2026
- HeadquartersPrague, Czech Republic · web.budgetbakers.com, Sep 28, 2026
- ImportUsers can import historical financial records in CSV, XLS, or OFX formats. · budgetbakers.com, Oct 11, 2026
- IntegrationsWallet offers MCP connections for AI assistants and a REST API for tools such as Excel and Power BI. · budgetbakers.com, Oct 11, 2026
- Mobile appsboth · budgetbakers.com, Sep 19, 2026
- Mobile featuresThe mobile app page lists real-time notifications, quick expense entry, receipt scanning, and offline mode. · budgetbakers.com, Oct 11, 2026
- Multi-currencyWallet supports multiple currencies and says it automatically calculates exchange rates. · budgetbakers.com, Oct 11, 2026
Questions
Is Wallet a bank?
No. Wallet is a personal finance tracker and budgeting tool. It cannot make payments, take out cash or store funds.
Does Wallet connect to bank accounts?
Yes. BudgetBakers says Wallet links with more than 15,000 financial institutions to sync transactions and update balances, while bank access is read-only.
Which devices support Wallet?
Wallet is available on Android, iPhone and the web. Listed mobile functions include notifications, quick entry, receipt scanning and offline operation; the web app lists analytics and bulk operations.
Can I share finances with other people?
Premium's Group Sharing supports household expenses and savings goals, with controls for selecting shared accounts.
Can I import or export financial data?
Historical records may be imported as CSV, XLS or OFX files. The web app lists report export, and the Premium REST API can reach transactions, accounts, budgets and goals.
What does BudgetBakers publish about privacy and security?
BudgetBakers says it has ISO 27001 certification, PCI DSS compliance and a PSD2 licence. It says it follows GDPR, requires explicit authorization and provides data deletion.
Is Wallet by BudgetBakers yours?
Claim it for free to correct a fact, and see the places you can buy on The Finance Base.