Your personal AI financial guardian.
Balansa monitors your financial life in real time, warns you before problems happen, and helps you make smarter decisions — automatically.
A proactive layer of financial intelligence for everyday people.
Proactive Protection
Detects risks, unusual activity, upcoming shortfalls, and hidden fees — and alerts you before they become problems.
- Real-time fraud detection
- Subscription & fee monitoring
- Cashflow risk warnings
Good morning! Here's your snapshot:
Available
€3,847
Due This Week
€156
Build Better Habits
Helps you build healthier financial habits with small, timely nudges based on your real behavior — not generic advice.
- Daily & weekly summaries
- Progress tracking
- Personalized nudges
Contextual Recommendations
Gives you smart recommendations when you need them: whether to pay early, wait, save, or adjust — all based on your actual financial situation.
- AI-powered analysis
- Natural language questions
- Works with ChatGPT & Copilot
Based on your current balance and upcoming expenses:
✓ Yes, you can afford it comfortably.
You'll still have €2,340 after your rent and utilities.
Plan Ahead
Helps you plan ahead with simple, realistic projections that adapt automatically as your financial situation changes.
- Goal setting & tracking
- Adaptive projections
- Scenario planning
How It Works
Get started in minutes. No complex setup, no spreadsheets, no manual categorization.
Connect
Securely link your bank accounts through regulated Open Banking connections.
Monitor
Balansa watches your transactions 24/7, learning your patterns and spotting anomalies.
Insights
Receive proactive alerts, recommendations, and summaries exactly when you need them.
Why Now?
For the first time, the technology and the access exist to build what should have existed all along — a financial companion that actually looks out for you.
Financial Data is Opening Up
New regulations are giving consumers the right to access and share their own financial data securely.
AI Can Finally Understand Money
Language models can now reason about transactions, patterns, and financial decisions in context.
Your Financial Life is Scattered
Multiple banks, cards, subscriptions — no single tool gives you a complete, intelligent picture.
Existing Tools Only Look Backward
Budgeting apps show you what happened. They don't warn you before problems occur.
Privacy and security built in from day one
Balansa is designed with a simple principle: your financial data belongs to you, and only you.
- Your data is encrypted in transit and at rest using industry‑standard methods.
- We never sell your data or share it with advertisers.
- You stay in control — you can disconnect accounts or delete your data at any time.
- Built on regulated open‑banking connections, the same infrastructure used by licensed financial institutions across the EU.
- Minimal data collection — we only request what's needed to provide insights.
- No access to your login credentials — connections are handled through secure, third‑party providers.
Ready to take control?
Join the waitlist and be among the first to experience ambient financial AI.
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