Frollo (Free)
Frollo is one of those finance apps that doesn’t try to overwhelm with features but instead focuses on the basics: keeping everyday spending visible. Once a bank account is linked through Open Banking, the app quietly gathers transactions in the background. There’s no need to sit down every evening and type things into a spreadsheet — coffee purchases, rent, or utility bills all appear on their own. For many households, that shift alone makes budgeting less of a chore.
Everyday use
In day-to-day life, Frollo feels unobtrusive. Small payments show up quickly, and regular items like subscriptions are spotted automatically. Budgets can be set for different categories — food, transport, entertainment — and progress bars make it clear when limits are close. The app also points out unusual expenses or bills that are due soon. Instead of long lists of numbers, most of the overview is presented as charts, so patterns become easier to notice at a glance.
Feature snapshot
| Feature | Details |
| License | Free plan (premium upgrades available) |
| Platforms | iOS, Android |
| Data storage | Cloud-based, compliant with banking regulations |
| Import | Open Banking feeds, CSV |
| Export | CSV |
| Accounts | Multiple accounts supported |
| Budgets | Category-based budgeting with simple progress indicators |
| Scheduling | Picks up recurring bills and sends reminders |
| Reports | Spending breakdowns, charts, and insights |
| Multi-currency | Supported if linked banks allow it |
| Privacy | Encrypted data, handled under Open Banking standards |
Getting started
The process is simple: download the app from the App Store or Google Play, register, and connect at least one account. Transactions appear within minutes, and categories can be adjusted to fit personal needs. From there, the system runs mostly on its own.
Who uses it
It is often picked by people who want budgeting to happen in the background, without daily effort. Families use it to share a single view of expenses, while individuals like it for the automatic tracking and quick summaries.
Why it stays relevant
The reason Frollo holds on in a crowded market is that it doesn’t overcomplicate things. It imports data automatically, shows spending clearly, and does so at no cost. For many, it has quietly become the tool they rely on to keep finances under control.
