eXcenda vs MyInvestor: an honest comparison

Neobank and index fund broker versus net worth tracking. Last reviewed 14 September 2026.

Comparing eXcenda with MyInvestor is slightly unfair, and worth saying upfront: MyInvestor is a bank and a broker, not a personal finance app. Its job is to let you buy cheap index funds, hold an automated portfolio or take out a mortgage, and it does that well.

The limit shows up when you want the full picture. MyInvestor shows you, in great detail, what you hold inside MyInvestor. It does not know about the account at another bank, the flat, the mortgage you pay elsewhere or the pension left over from a previous employer. Your net worth is precisely all of that minus what you owe.

So the honest framing is not MyInvestor or eXcenda, but MyInvestor and eXcenda. One is where you invest; the other is where you see whether investing there is working within the whole.

MyInvestor at a glance

Category: Neobank and index fund broker
Origin: Spain
Platforms: iOS, Android and web
Pricing: No account maintenance fees; each investment product carries its own costs.
Business model: Financial institution: it earns from the products it distributes.

What MyInvestor does better

Very competitive index fund and ETF lineup for the Spanish market.
Robo-advisor with indexed portfolios and automatic contributions.
Remunerated account and mortgages under the same roof.
A supervised institution with the deposit or investor protection each product carries.

What it leaves out

It only sees what sits inside MyInvestor.
It does not consolidate non-financial assets such as property.
It does not subtract external debt, so the figure shown is never net worth.
Spending control and whole-portfolio projections are not its purpose.

Feature comparison

Feature	eXcenda	MyInvestor
What it is	Net worth and personal finance app	Neobank and broker
Data scope	Every institution and asset you hold	Only products held at MyInvestor
Property and belongings	Yes, with your own valuation	Not applicable
External debt	Subtracted from net worth	Only its own
Executing trades	No, it is not a broker	Yes, that is its function
Decision simulators	Mortgage, retirement and compound interest	Calculators tied to its own products
Used together	Built to consolidate what you hold there	Built for you to invest there

When to choose each one

Choose MyInvestor if

You need a low-cost place to buy index funds or ETFs.
You want an automated portfolio without picking the allocation yourself.
You want a mortgage or a remunerated account from the same institution.

Choose eXcenda ifYour money sits across more than one institution and you have lost the total.
You want the mortgage and loans subtracted to see the real number.
You need to include property or pensions that no broker records.
You want to simulate scenarios before moving money.

The verdict

MyInvestor is a good place to invest; eXcenda is where you see whether the sum of your decisions is working. If MyInvestor is all you have, its own app is enough. The moment a second institution, a property or a debt appears, you need something that adds up above it.

Frequently asked questions

Does eXcenda replace MyInvestor?

No. eXcenda is not a broker and does not execute trades. It sits on top: it consolidates what you hold at MyInvestor with the rest of your wealth into a single figure.

Can I see my MyInvestor portfolio inside eXcenda?

Yes, by recording the positions and their valuations. No credentials are required: you can update balances manually as often as you like.

Why is the MyInvestor figure not my net worth?

Because it is one institution's balance, not a balance sheet. Net worth is everything you own anywhere minus everything you owe, including a mortgage at another bank.

Try eXcenda for free on iPhone or Android

Download the app, log your assets and liabilities in minutes, and track your true net worth without mandatory Open Banking.

Get it onApp Store

Get it onGoogle Play

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