Best Spendee Alternatives in 2026
Last updated: 2026-10-31
Spendee is a well-rated budgeting app with shared wallets and bank sync on its Premium plan. If bank sync behind the top tier, the limits of the free plan, or linking a bank at all puts you off, these four alternatives are worth a look.
Why People Look for Spendee Alternatives
Spendee's bank sync is only on Premium ($35.99 a year or $5.99 a month on its website), and the free Basic plan is limited to one cash wallet and one budget. In Singapore its bank list covers DBS, OCBC, UOB, Standard Chartered, CIMB and Amex, but not PayLah!, Citi or Trust.
Top Spendee Alternatives
Wallet by BudgetBakers
Cross-platform money manager with Premium bank sync
Wallet by BudgetBakers runs on iOS, Android and the web on one subscription, with group sharing, investments, CSV/XLS/OFX import and a lifetime Premium option. Bank sync is Premium-only and uses open banking; BudgetBakers' website doesn't name any Singapore banks, so check its in-app bank list first.
Strengths
- Free tier for manual tracking
- Premium bank sync with daily auto-sync
- iOS, Android and web, on one subscription
- CSV, XLS and OFX import, group sharing and a lifetime plan option
Limitations
- Bank sync is Premium-only
- No BudgetBakers page we found confirms support for Singapore banks
- Connecting a bank means entering your bank login
Dobin
Free Singapore money app that syncs your bank and card accounts
Dobin is free and made in Singapore. It syncs DBS/POSB, UOB, OCBC, Citibank and Standard Chartered accounts once you sign in with your internet-banking login in the app, and adds credit card tools like the best card for your next purchase. It's mobile only, data refreshes rather than updating in real time, and Dobin earns referral commissions on cards and loans.
Strengths
- Free, with no paid tier
- Syncs Singapore bank and card accounts, including DBS/POSB, UOB, OCBC, Citibank and Standard Chartered
- Credit card tools: best card for your next purchase, MCC lookup and due-date reminders
- Can import bank or card statements as PDF
Limitations
- You sign in with your internet-banking login to connect accounts
- Mobile only (iOS and Android); no web app
- Data isn't real time; you refresh your accounts
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)
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 | Wallet by BudgetBakers | Dobin | Graiden | Money Manager (Realbyte) |
|---|---|---|---|---|
| How spending gets in | Manual, or bank sync on Premium | Bank and card sync | Forwarded bank-alert emails and e-receipts | Manual entry |
| Bank login needed | Only for bank sync | Yes | No | No |
| Price | Free (manual); Premium prices shown in app | Free | Free; Pro US$24.99/yr or US$2.99/mo | Free with ads; S$8.98 one-time (iOS) |
| Singapore banks | Not stated on its website | DBS/POSB, UOB, OCBC, Citi, SC and more; Trust by statement | DBS/POSB, PayLah!, UOB, OCBC, SC, Citi, Trust (alert emails) | Any (you type it in) |
| Platforms | iOS, Android, web | iOS, Android | Web, Android | iOS, Android (+ PC editor over Wi-Fi) |
Common questions
Is there a free Spendee alternative with bank sync in Singapore?
Which Spendee alternative tracks PayLah! spending?
Which is cheapest?
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.
