Graiden vs Spendee: Bank Sync or Bank-Alert Emails?
Last updated: 2026-10-31
Spendee is a budgeting app where you log spending in wallets by hand, or connect bank accounts on its Premium plan so transactions import automatically. Graiden skips bank linking and builds your spending log from the bank-alert emails and e-receipts you forward. Both have free plans and paid upgrades, and both work for Singapore, so the choice comes down to how you want your transactions to get in and which extras you need.
Quick Comparison
| Feature | Graiden | Spendee |
|---|---|---|
| How spending gets in | Forwarded bank-alert emails and e-receipts | Manual entry, or bank sync on Premium |
| Bank login needed | No | Only for bank sync |
| Singapore banks | DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi, Trust (alert emails) | DBS, OCBC, UOB, Standard Chartered, CIMB, Amex and others on its bank list (Premium) |
| Price | Free; Pro US$24.99/yr or US$2.99/mo | Free Basic; Plus $14.99/yr or $1.99/mo; Premium $35.99/yr or $5.99/mo (website prices, may vary by country) |
| Free plan | Unlimited manual entry, 7 days of automatic reading, 1 budget, 3 months of insights | 1 cash wallet, 1 budget, no bank sync |
| Free trial | 7 days of automatic logging, no card (free plan) | 7 days on paid plans |
| Shared wallets | No | Yes (Plus and Premium) |
| Platforms | Web, Android | iOS, Android, web |
Where Spendee Is Better
Spendee has a native iPhone app, shared wallets for partners or flatmates, and an AI receipt scanner. Its Premium plan connects bank accounts, and its Singapore bank list includes DBS, OCBC, UOB, Standard Chartered, CIMB and American Express, so transactions arrive without any email setup. Its yearly Premium price on the website ($35.99) is higher than Graiden Pro's US$24.99, and the Plus plan ($14.99 a year, manual entry only) is a little cheaper if you're happy logging by hand.
Where Graiden Is Better
Graiden doesn't need a bank connection at all. It reads the transaction alerts your bank already emails (DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi and Trust) plus e-receipts, so you get automatic tracking without linking accounts, including for PayLah! and Trust, which aren't on Spendee's Singapore bank list. Graiden's free plan allows unlimited manual entry, where Spendee's free plan is limited to one wallet and one budget.
Which Should You Pick?
Choose Spendee if you want shared budgets, an iPhone app, and are fine linking a supported bank on Premium. Choose Graiden if you'd rather not link your bank and want spending logged from your bank's alert emails. Every Graiden account gets 7 days of automatic logging free with no card, then Pro is 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)
Spendee at a Glance
Spendee
Budget and expense tracker with shared wallets and optional bank sync
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
The Verdict
Spendee is the better pick for couples and households who want shared wallets and are happy to connect a supported bank. Graiden is the better pick if you want automatic tracking in Singapore without handing over bank access.
Common questions
How much does Spendee cost?
Does Spendee support Singapore banks?
Can Graiden track PayLah! spending?
Which is better for couples?
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.
