Best Mint replacement for Europe

The problem with US-centric alternatives

After Mint shut down, the most recommended replacements (Monarch Money, Copilot, YNAB) share the same limitation: they are built for the US market. Bank sync relies on Plaid, which has limited European bank coverage. Pricing is in USD. Support hours are US-centric. Multi-currency is an afterthought.

If you live in Romania, Germany, Spain, France, or anywhere else in Europe, these tools either do not work with your banks or create more friction than they solve.

Why Simple Money works for Europe

• No bank connection needed No Plaid dependency. Works with any bank in any country because you enter transactions manually in under 5 seconds.

• Multi-currency from day one RON, EUR, GBP, CHF, PLN, CZK, HUF. Any currency. Automatic exchange rate tracking between accounts.

• GDPR compliant, EU-hosted Data hosted in the EU. Full GDPR compliance. Data export on demand. Account deletion with 30-day grace period.

• Romanian SRL, European company Built by a Romanian company. Support in European time zones. Pricing in EUR.

• VAT tracking built in Romanian VAT rates (19%, 9%, 5%) built directly into transaction entry. No plugins or workarounds.

• 5 languages Available in English, Romanian, German, Spanish, and French.

European alternatives compared