$umm is coming soon to iOS and Android

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All your money. Clearly.

$umm connects your banks and does the work you do by hand today, or don't do at all.

Accounts

Every account. One number for every day.

$umm brings your accounts from every bank onto one screen. And because a balance doesn't tell the whole story, it sets aside rent, bills and subscriptions in advance and shows you what's really free to spend until payday.

How it adds upuntil payday
Current accounts€3,402.06
Bills and subscriptions before payday−€876.25
Free to spend€2,525.81

About €84 a day for 30 days. Savings accounts aren't counted.

Categories

Every expense, sorted automatically.

All your transactions, from all your banks, in one list with clean names and categories. See where your money goes each month, and type “Wolt” to see right away how much you've spent.

POS 4471 SKLAVENITIS ATH becomes “Sklavenitis · Groceries”. Finally readable.

AI assistant

Ask about your money, like you'd ask a friend.

The $umm AI assistant knows your transactions and answers in plain words. How much you spent on food, why this month cost more, where you could cut back.

  • “How much did I spend on delivery in October?”
  • “Why did I spend more this month?”
  • “Which of my subscriptions went up this year?”

The assistant is AI and answers only from your own data. It doesn't give investment advice.

Subscriptions

Sort out your subscriptions in 30 seconds.

$umm finds everything that repeats, with the next charge date. In the check, swipe right on what you use and left on what you don't, and see right away how much you save a year.

Try it: swipe the card or tap the buttons

9:41
30-second check
Right if you use it, left if you don't1 of 5
You save a year€0.00
Home Activity Recurring Offers More

Alerts

Know before it costs you.

Double charges, price rises, new subscriptions and payments coming up. One alert when it matters, not a hundred.

  • Double charge: same amount, same shop, same day
  • A subscription or bill that got more expensive
  • A free trial turning into a payment
  • A payment coming up when the balance won't cover it

Reports

Your month at a glance.

Income, spending and what's left over, month by month. See where your habits changed without opening a spreadsheet.

Your bank tells you what you have. $umm tells you what to do with it.

A spreadsheet takes your time. Your bank's app only sees its own accounts. $umm sees everything together and does the work for you.

What you need $umm Bank app Spreadsheet or notebook
All your banks on one screen Yes Only its own By hand
Transactions without typing Automatic Only its own No
Automatic spending categories Yes Partly By hand
Questions in plain words AI assistant No No
Every subscription with its next charge One list Partly By hand
What's free until payday Every day Balance only If you build formulas
Alerts for double charges and price rises Same day No No

YesPartly, or with effortNo

NEXT STEP

Paying less.

Once you know what you pay today, we'll help you find better prices, through partners and always on your terms.

  • Electricity and gas
  • Mobile and internet
  • Insurance

We'll announce it together with our partners.

$umm is coming soon to iOS and Android.

For Greece and Cyprus. Got a question? A real person from the team will answer.

Write to us