What it does
Outbank combines supported bank and payment accounts in a Mac, iOS or Android app. Categories and tags feed budgets, reports and savings goals, while recurring-payment monitoring includes contract-end reminders. Its core use does not require an Outbank ID.
A recurring charge may belong to a contract that renews on a different date. Outbank places contract reminders beside account activity, helping you connect a regular payment with the cancellation deadline that matters. Categories and tags then organise spending into reports and budgets; budget notifications can flag an overrun.
Savings goals use selected accounts and categories to track progress. On iOS, start with Neu → Sparziele. On a Mac, open Auswertung, select the savings-goal tab and press +; on Android, open the reports area, press + and choose Sparziel. Give the goal a name, amount and category, then select the accounts to include. Goals can later be edited, archived or deleted in reports.
Individual costs €3.99 monthly or €39.99 yearly for private use. Business costs €9.99 monthly or €99.99 yearly and adds business-account use, batch export and other business features. The 14-day trial starts with a subscription selection and renews automatically unless cancelled. Cancellation belongs in the app store where the subscription was bought, at least one day before renewal.
Optional account and synchronisation
Outbank can be used without registering a vendor account. An Outbank ID becomes useful for Secure Sync and linking the subscription across devices. Create or sign in to it under Settings, using an email address and verification code. Without Secure Sync, banking data is kept locally in encrypted form. Reports and transactions can also be printed or exported as PDF or CSV files.
Strengths
- Contract reminders add cancellation dates to recurring-payment oversight.
- Savings goals can use several accounts and remain editable or archivable.
- Basic use does not require an Outbank ID; synchronisation is optional.
Watch out for
- The trial starts an automatically renewing subscription unless cancelled.
- Business-account use requires the Business subscription.
Best for
- People reviewing supported accounts, contracts and spending categories together
- Apple and Android users who want optional synchronisation
Sources
- Outbank: Die sicherste Banking-App: Mein Geld. Meine Daten (Oct 25, 2026)
- Outbank Subscription Prices and Trial Terms (Oct 27, 2026)
- Outbank Features (Oct 27, 2026)
- Outbank ID and Optional Registration (Oct 27, 2026)
- Outbank Savings Goal Setup (Oct 27, 2026)