Graiden vs Dobin: Which Singapore Expense Tracker Fits You?
Last updated: 2026-10-31
Dobin and Graiden both track spending for people in Singapore without you typing every purchase, but they get the data in opposite ways. Dobin connects to your bank and card accounts: you sign in with your internet-banking login inside the app and it pulls in balances and transactions. Graiden never touches your bank account. You set your bank to send transaction alerts to email, forward those alerts and your e-receipts to Graiden, and it logs each purchase. Dobin is free; Graiden is free to start with a paid Pro plan.
Quick Comparison
| Feature | Graiden | Dobin |
|---|---|---|
| How spending gets in | Forwarded bank-alert emails and e-receipts | Bank and card account sync |
| Bank login needed | No | Yes, your internet-banking login (Dobin says it's kept on your device) |
| Singapore banks | DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi, Trust (alert emails) | DBS/POSB, UOB, OCBC, Citibank, Standard Chartered and others listed in the app; Trust by PDF statement; Maybank cards not supported |
| Price | Free; Pro US$24.99/yr or US$2.99/mo | Free (earns commission on card, loan and discount referrals) |
| Balances | No (tracks spending only) | Yes |
| Credit card tools | No | Best card for next purchase, MCC lookup, due-date reminders |
| Custom categories | Yes (Pro) | No (tags only) |
| Platforms | Web, Android | iOS, Android (no web) |
Where Dobin Is Better
Dobin is free, and its bank sync gives you more than spending: it shows account balances and pulls card transactions in without any email setup. It also has credit card tools that Graiden doesn't, such as which of your cards to use for the next purchase, MCC lookup and reminders before card due dates. If you're comfortable linking your bank accounts and want rewards help in the same app, Dobin covers more ground for no money.
Where Graiden Is Better
Graiden never asks for your bank login. It works from the transaction alerts DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi and Trust already email you, plus e-receipts from shops and apps, so it covers Trust Bank, which Dobin connects only by statement import. It runs on the web as well as Android, lets you create your own categories on Pro, and isn't funded by card or loan referrals. Dobin notes on its own FAQ that it isn't currently regulated by MAS and that synced data isn't real time; Graiden logs a purchase when its alert email arrives.
Which Should You Pick?
Pick Dobin if you want a free app, don't mind entering your bank login, and value balances and credit card rewards tools. Pick Graiden if you'd rather not link a bank at all and want your spending logged from the alerts your bank already sends. Graiden's free tier gives you 7 days of automatic logging with no card needed; after that, automatic tracking is Pro at US$24.99 a year or US$2.99 a month.
Graiden at a Glance
Graiden
Expense tracker that reads your bank-alert emails and e-receipts, with no bank login
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)
Dobin at a Glance
Dobin
Free Singapore money app that syncs your bank and card accounts
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
The Verdict
Dobin is the stronger free option if you're happy to sync your bank accounts and want card rewards tools. Graiden is the better fit if you don't want to share your bank login, bank with Trust, or want a web app.
Common questions
Is Dobin free?
Does Dobin need my bank login?
Which app works with Trust Bank?
Can I use Dobin or Graiden on a computer?
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.
