TodayYou open four apps and add it all up in your head.
With $ummOne total, always up to date, on one screen.
Your money, finally in sync
All your banks,
one clear picture.
- ALL YOUR BANKS IN ONE TOTALLEARN MORE ›
- EVERY EXPENSE IN ITS PLACELEARN MORE ›
- FROM SCATTERED TO SORTEDLEARN MORE ›
- YOUR WHOLE PICTURELEARN MORE ›
- 8banks, in one app
- 0bank passwords in our hands
- 100%read-only access
One clear
picture, from
every bank
Connect as many banks as you like and see them all together, in one app, updated automatically.
See all featuresMany banks. One total.
Salary at one bank, savings at another, everyday spending on Revolut. $umm brings them onto one screen, updated automatically, and shows you what's really free to spend until payday.
Why $umm exists
Your salary is at one bank. Your savings at another. Everyday spending on Revolut, and somewhere in between, a subscription you forgot about.
So you open four apps and add it all up in your head. You shouldn't have to.
$umm brings your accounts together, sorts your spending on its own and explains where your money goes. Your money stays in your bank. You stay in control.
No spreadsheets. No guessing. Just one clear picture.
Finally, summed up.
From scattered
to sorted
- 8banks, in one app
- 0bank passwords in our hands
- 100%read-only access
Today“POS 4471 SKLAVENITIS ATH”. What was that?
With $umm“Sklavenitis · Groceries”, in the right category.
TodayYou scroll through transactions one by one for a simple answer.
With $ummYou ask, and get an answer in seconds.
TodayForgotten subscriptions that keep charging every month.
With $ummSee them all, with what they cost over a whole year.
A double charge, a price rise, a payment coming up. You hear about it the same day.
One amount for each day until payday, after bills and subscriptions.
Rent, electricity, instalments. Know what's going out before it goes.
Income, spending and what's left over, month by month.
With the banks you already use
Connect as many banks as you like and see them all together, in one app.
More are on the way, including Cypriot banks.
Why is it safe? In plain words.
You don't need to know what PSD2 is. You only need to know these four things.
-
Only your bank knows your passwords.
You never type them into $umm. To connect, you sign in on your bank's own page, just like every day.
-
$umm can only look.
Like showing someone your bank statement: they can read it, but they can't take money out. Payments and transfers are made only by you, in your bank.
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The permission is yours.
It lasts up to 180 days and then needs your approval again. You can cancel it whenever you like, with one tap in $umm or in your bank.
-
It's set out in law.
Connections follow the EU's PSD2 law and go through a licensed company that's supervised like a bank.
Connecting, in three steps
- In $umm, tap “Connect a bank” and choose your bank.
- Your bank's own page opens. Sign in there and approve.
- Your accounts appear in $umm. That's it.
One more thing: your data is yours. We don't sell it and we don't share it with advertisers.
Everything about securityYour money, finally clear.
$umm is coming soon to iOS and Android, for Greece and Cyprus.
See all features
FAQ
Is it safe to connect my bank?
Yes. Connections use PSD2, the same European rules every bank follows, which apply in Greece under Law 4537/2018. You approve read-only access inside your bank, and you can revoke it whenever you like.
Can $umm make payments?
No. Access is read-only. Payments and transfers are made only by you, in your bank.
Do you see my bank passwords?
No. You type them only on your bank's own page, just like in e-banking.
Which banks are supported?
National Bank of Greece, Piraeus Bank, Eurobank, Alpha Bank, Optima, CrediaBank, Viva and Revolut. More will follow, including the Cypriot banks.
What do you do with my data?
We use it only to show you your finances inside the app. You can disconnect a bank, or delete your account and its data, whenever you want.
How does $umm use AI?
To sort your transactions into categories and to answer questions about your spending. The assistant works only with your own data, always tells you it's AI and doesn't give investment advice. We don't use your data to train AI models.
How do I disconnect a bank?
With one tap, in the app or in your e-banking.
Will I need to reconnect my bank?
Every 180 days, as the rules require. We'll remind you before access expires.