Graiden vs Wallet by BudgetBakers
Last updated: 2026-10-31
Wallet by BudgetBakers is a budget and expense app for iOS, Android and the web. Its free tier is for manual tracking, and Premium adds bank syncing through open banking, which BudgetBakers says covers more than 15,000 institutions. Graiden takes a different route: no bank connection, just the bank-alert emails and e-receipts you forward. For people in Singapore, the key question is whether your bank is supported, because none of the BudgetBakers pages we checked name a Singapore bank.
Quick Comparison
| Feature | Graiden | Wallet by BudgetBakers |
|---|---|---|
| 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) | Not stated on BudgetBakers' site; check the in-app bank list |
| Price | Free; Pro US$24.99/yr or US$2.99/mo | Free (manual); Premium monthly, yearly or lifetime (prices shown in the app) |
| Platforms | Web, Android | iOS, Android, web |
| Imports | CSV | CSV, XLS, OFX |
| Investments and group sharing | No | Yes |
Where Wallet Is Better
Wallet is the broader money manager. It has native apps on iPhone and Android plus a web app on one subscription, group sharing, investment tracking, CSV, XLS and OFX imports, and a lifetime Premium option. If your bank is on its supported list, Premium bank sync brings transactions in daily without any email setup.
Where Graiden Is Better
Graiden is built around how Singapore banks already notify you. It reads alert emails from DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi and Trust, so it doesn't depend on a bank being on an open-banking list, and you never enter your bank login. Its prices are published: Pro is US$24.99 a year or US$2.99 a month, and every account gets 7 days of automatic logging free, with no card needed.
Which Should You Pick?
If you want a full money manager with investments and shared budgets, and your bank shows up in Wallet's bank list, Wallet does more. If you're in Singapore and want automatic tracking from your existing bank alerts without linking accounts, Graiden is the simpler fit.
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)
Wallet by BudgetBakers at a Glance
Wallet by BudgetBakers
Cross-platform money manager with Premium bank sync
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
The Verdict
Wallet by BudgetBakers is the more complete money manager, strongest where its open-banking sync supports your bank. Graiden is the more reliable choice for automatic tracking with Singapore banks, because it works from the alert emails your bank already sends.
Common questions
Is Wallet by BudgetBakers free?
Does Wallet sync with Singapore banks?
Do I need to give Graiden my bank password?
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.
