One app for your
whole financial life
Your multi-agent digital banker. Real-time intelligence, a daily Financial Health Score, and AI tools built for modern money, across 97+ Nordic & European banks.
"Banking knows your money, Aspayr knows your life."
Everything your money needs, in one place
Aspy lives on your home screen: one ribbon for what's true, one alert for what's urgent, one button for what's next.
Multi-bank, multi-currency
A 360° view across EUR, GBP, USD, SEK, NGN: aggregated, converted, and summed before you open the app, across 97+ banks.
Aspy AI assistant with Action
Plain-language answers. "Why is this happening?" "What should I do?" Briefings and proactive insights, multilingual, English-first.
Daily Financial Health Score
0–100 across multiple dimensions, recalculated every day. A live dial on home, with drill-downs in Lite and Pro.
Aspayr Learn
Financial learning in 60 seconds, triggered by your real transactions and spending patterns.
Your whole financial life, beautifully clear
From your daily brief to deep insights and bite-sized learning, every screen is built to make your next money decision obvious.
From eID to your first briefing, in 90 seconds
eID (such as BankID) + social sign-in, secure account reading across 97+ EU banks, and a personalised briefing. Privacy by design: no card data, no screen-scraping, GDPR-first.
Authenticate & profile
Sign in with eID (such as BankID). A short flow captures your goals, lifestyle, and risk appetite, then links as many banks as you like via our secured PSD2 aggregator.
Aspy reads your accounts
Aspy turns raw transactions into real-time intelligence with machine learning and generative AI, generating a dynamic Financial Health Score across multiple dimensions.
Briefing & pre-spend control
A home-screen briefing highlights what's true, urgent, and next, with recommendations and pre-spend guidance via chat, voice, and the home ribbon.
Built for both sides of the page
Whether you're tracking personal pace or running a small business, Aspy reads the numbers the same, and writes back in the language you need.
For individuals
Take control of your money, improve your Financial Health Score, and make smarter decisions every day.
For businesses
A full financial cockpit for SMEs, freelancers, and founders: from cash flow to AI-powered CFO insights.
One platform. Three products. Every dimension of your financial life
Your all-in-one financial intelligence hub. Aggregated accounts, AI insights, spending control, and your daily Financial Health Score.
Read on →The SME financial cockpit. Real-time cash flow, payroll insights, multi-account management, and an AI CFO that scales with your business.
Read on →Bite-sized financial education tailored to your profile. Build habits, grow knowledge, and level up from beginner to financially confident.
Read on →Start free. Upgrade when Aspy earns it
No card required for early access. Cancel anytime; your data stays yours.
Get started, no commitment.
- Link up to 2 bank accounts
- 3 Aspy requests / 24h (3-month data window)
- Aspayr Intelligence Hub (basic)
- FHS visible (no drill-downs)
- Aspayr Learn, free lessons
For everyday wellbeing.
- Everything in Free
- Up to 3 bank accounts
- 20 Aspy output requests / 24h
- Full FHS + multi-dimension drill-down
- Budgets, goals & smart alerts
For power users and complete control.
- Everything in Lite
- Unlimited bank accounts
- Unlimited Aspy output (fair-use)
- AI Interceptor, pre-spend control
- Behavioral Protection
1 output request = one Aspy reply. Unused tokens reset every 24 hours, never run out for a full day.
The gap Aspayr closes
of millennials consider themselves not financially confident.
qualify as financially literate in the lowest income brackets.
average health-score lift among Aspayr users over 90 days.
Not a bank app. Not a budgeting app. Both, plus a brain
Traditional banking shows one account. Budgeting apps show the past. Aspayr reads everything and acts before you spend.
| Capability | Aspayr | Traditional bank app | Budgeting / PFM app |
|---|---|---|---|
| All your banks & currencies in one view | 97+ banks | One bank | |
| Daily Financial Health Score | |||
| Pre-transaction interception | Before you spend | After the fact | |
| Conversational AI that knows your money | Multi-agent | Basic rules | |
| Built for business & personal together | |||
| Privacy by design: you own your data | GDPR-first | Sells data |
Four structural advantages, not a tagline
Multi-agent system
An Azure AI Foundry supervisor plus 10+ specialist agents, each with its own memory and tools. Six months of orchestration work for any single-LLM competitor to replicate.
Pre-transaction interception
Aspy intervenes between insight, intent, and purchase, not after settlement. Forecast plus behavioural detection in one pre-spend call. No Swedish PFM does this today.
Health-Score data flywheel
A user-owned, multi-dimension score recalculated daily. At Nordic scale it becomes a behavioural benchmark competitors cannot recreate without our users.
Gen Z & Millennial native
Built for anyone curious enough to ask their money better questions. Chat if you want a friend, dashboards if you want control.
Our moat isn't a market. It's three compounding layers: multi-agent architecture that sharpens per query, a behavioural data flywheel banks can't build, and EU regulatory rails (PSD2, AIS, eID) that can't be shortcut.
A smarter financial partner for your business
Built for SMEs, freelancers, and founders who need CFO-level clarity without CFO-level cost.
Real-time cash flow
Live visibility across all business accounts, instantly surfacing gaps and opportunities.
AI-powered insights
Automated reports, anomaly detection, and forward-looking recommendations powered by Aspy.
Unified account view
Connect all business and personal accounts in one place via Open Banking. No more tab-switching.
CFO-level clarity, in one cockpit
Looking for our commercial APIs? Plug into Aspayr's banking, transaction, and financial insights APIs with a subscription that fits your growth.
Explore our business APIs →Your data stays yours
Built on EU regulatory rails with privacy by design. We read, we never store card data, and you can revoke consent at any time.
PSD2-compliant access
Bank connections via a secured, regulated Open Banking aggregator. No screen-scraping, ever.
GDPR-first & EU-hosted
Your data lives in the EU and is governed by GDPR. User-owned, consent-revocable, by default.
eID authentication
Strong identity with eID such as BankID. The right person, every session. Nothing weaker.
No card data stored
We work from read-only transaction data. There's no card number for anyone to lose.
Driven by the SDGs by 2030
Financial empowerment is a human right. We're building the tools to make it universally accessible, starting with you.
Questions, answered
Still curious? Ask Aspy in the demo, or reach the team any time.
Is my banking data safe?
Which banks can I connect?
How is the Financial Health Score calculated?
Do I need a card or payment to start?
What is eID / BankID sign-in?
Is Aspayr a bank?
Be first to your whole financial life
Aspayr is in early access. Join the waitlist and we'll send your invite the moment a spot opens, plus your first month of Pro on us.