Bank aggregator with a financial marketplace versus net worth tracking. Last reviewed 14 September 2026.
Fintonic was one of the first apps to show Spanish users that every account could live in one place, and it still has one of the widest domestic bank coverages available. Its alerts for fees and duplicate charges save real money.
The fundamental difference is the business model. Fintonic is free because the product is referral: loans, insurance and offers surfaced from what it sees in your transactions. That is disclosed and legitimate, but it shapes the product, which is optimised to spot moments when you might sign up for something.
eXcenda sells no financial products and shows no ads, not even on the free plan. That means it has no incentive to nudge you toward a loan, and it also means the money has to come from the PRO subscription. It is a deliberate trade-off and worth weighing yourself.
| Feature | eXcenda | Fintonic |
|---|---|---|
| Business model | PRO subscription, no ads or referrals | Loan and insurance referrals |
| Bank aggregation | Optional | The core of the product |
| Fully manual mode | Yes, complete | No equivalent |
| Assets outside the bank | Property, funds, pensions, crypto, loans | Out of scope |
| Net worth as the headline figure | Yes, it is the home screen | Not the product's axis |
| Simulators | Mortgage, compound interest and retirement | Not included |
| Commercial offers in-app | None | Part of the model |
Fintonic and eXcenda barely compete: one watches your accounts, the other watches your balance sheet. If you need to track this month's spending with broad bank coverage, Fintonic does the job. If what keeps you up at night is whether your wealth is growing, it does not reach that far.
Because it monetises financial product referrals: loans, insurance and offers surfaced from your banking activity. It is a legitimate, disclosed model, but worth keeping in mind when reading its recommendations.
Yes. In eXcenda manual entry is a complete mode, not a workaround: you can maintain your whole balance sheet without handing over any banking credentials.
They are not part of its data model. eXcenda is built exactly around that: assets and liabilities of any kind inside a single net worth figure.
Download the app, log your assets and liabilities in minutes, and track your true net worth without mandatory Open Banking.