Best Dobin Alternatives in Singapore
Last updated: 2026-10-31
Dobin is a free Singapore app that syncs your bank and card accounts after you sign in with your internet-banking login. It's a good fit for many people, but not everyone wants to share bank credentials, use a mobile-only app, or rely on an app funded by card and loan referrals. Here are four alternatives that take different approaches.
Why People Look for Dobin Alternatives
People usually look past Dobin for one of a few reasons: they don't want to enter their internet-banking login into a third-party app, they need a web app (Dobin is mobile only), they use Maybank cards (which Dobin can't connect) or Trust Bank (statement import only), or they want their own categories, which Dobin doesn't support.
Top Dobin Alternatives
Spendee
Budget and expense tracker with shared wallets and optional bank sync
Spendee has shared wallets, iOS, Android and web apps, and Premium bank sync with DBS, OCBC, UOB, Standard Chartered, CIMB and Amex on its Singapore list. Premium is $35.99 a year or $5.99 a month on its website (prices may vary by country); the free plan allows one cash wallet and one budget.
Strengths
- Bank sync on Premium, with DBS, OCBC, UOB, Standard Chartered, CIMB and Amex listed for Singapore
- Shared wallets for partners or flatmates
- iOS, Android and a web version
- 7-day free trial on paid plans
Limitations
- Bank sync needs the top Premium plan
- Free Basic plan allows 1 cash wallet and 1 budget
- Linking a bank means connecting your bank account
Graiden
Expense tracker that reads your bank-alert emails and e-receipts, with no bank login
Graiden logs spending from the transaction alerts DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi and Trust email you, plus e-receipts, so you never link a bank or share a login. Every account gets 7 days of automatic logging free, with no card needed; after that, automatic tracking is Pro at US$24.99 a year or US$2.99 a month. It runs on the web and Android, and cash needs adding by hand.
Strengths
- On Pro (and free for the first 7 days), no typing: forwarded bank alerts and e-receipts are logged and categorized for you (unlimited)
- No bank login or account linking, on any plan
- Reads Singapore bank alerts from DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi and Trust
- Works with any email provider and any purchase receipt
Limitations
- Free plan reads forwarded emails automatically for only the first 7 days; after that it's manual entry unless you pay for Pro
- No bank sync: it only sees purchases that send an alert email or e-receipt, so cash needs manual entry
- Web and Android apps only; no iPhone app on the App Store (on iPhone you use the web app)
DBS digiWealth (formerly NAV Planner)
DBS's planning tool inside the digibank app
If all your accounts are with DBS or POSB, NAV Planner inside the DBS app categorizes your transactions at no extra cost. It can't see spending at other banks.
Strengths
- Already inside the DBS digibank app; nothing to install
- Net worth view including CPF, investments and loans
- SGFinDex can bring in accounts from other banks
- Insurance and retirement planning tools
Limitations
- Only for DBS/POSB customers
- Now positioned as a wealth tool more than an expense tracker
- Cash spending isn't captured
Money Manager (Realbyte)
Long-running manual expense and budget app for iOS and Android
Money Manager by Realbyte is a highly rated manual tracker with budgets and double-entry accounts. It's free with ads, or S$8.98 once for the ad-free iOS version, and never asks for bank access. You type every transaction yourself.
Strengths
- No bank login needed
- One-time purchase removes ads on iOS (S$8.98 on the Singapore App Store)
- Double-entry accounts, budgets and detailed statistics
- Edit data on a PC over Wi-Fi
Limitations
- Every transaction is entered by hand; nothing is captured automatically
- Free version has ads and an account limit (10 on iOS)
- Cloud data sync is a separate subscription
Quick Comparison
| Feature | Spendee | Graiden | DBS digiWealth (formerly NAV Planner) | Money Manager (Realbyte) |
|---|---|---|---|---|
| How spending gets in | Manual, or bank sync on Premium | Forwarded bank-alert emails and e-receipts | DBS/POSB account data | Manual entry |
| Bank login needed | Only for bank sync | No | Uses your DBS login | No |
| Price | Free; Plus $14.99/yr; Premium $35.99/yr or $5.99/mo | Free; Pro US$24.99/yr or US$2.99/mo | Free for DBS/POSB customers | Free with ads; S$8.98 one-time (iOS) |
| Singapore banks | DBS, OCBC, UOB, SC, CIMB, Amex (Premium) | DBS/POSB, PayLah!, UOB, OCBC, SC, Citi, Trust (alert emails) | DBS/POSB only | Any (you type it in) |
| Platforms | iOS, Android, web | Web, Android | DBS digibank app | iOS, Android (+ PC editor over Wi-Fi) |
Common questions
Is there an alternative to Dobin that doesn't need my bank login?
Is there a Dobin alternative with a web app?
Which alternative is free?
Expense tracking that does itself
Set up auto-forwarding once and every purchase is logged and sorted for you. No bank login, no typing, no spreadsheets. Free to start.
