Does Copilot Money work outside the US?

No. Copilot's FAQ says it works with US-based accounts only, across 10,000+ US institutions. If you move abroad, your new local bank can't connect.

Does Copilot Money handle foreign currencies?

No. Copilot's help center says it only supports USD and does not convert foreign currency transactions. A purchase in another currency appears in USD based on what the data provider sends, and the suggested workaround is to edit the amount by hand.

Is Borderless Budget cheaper than Copilot Money?

Borderless Budget has a 30-day free trial, then costs $10 a month or $99 a year, billed in USD, with every feature and up to 10 connected banks included. Copilot is $13 a month or $95 a year, with a 1-month trial. Monthly, Borderless Budget is $3 cheaper; yearly, it's $4 more.

Does Borderless Budget have an Android app?

Borderless Budget is a web app, so it runs in the browser on Android, iPhone and desktop. Copilot has native Apple apps and a web app, but no Android app.

Copilot Money Alternative Outside the US (2026)

Q: Is there a Copilot Money alternative for Europe or the UK?

Yes. Borderless Budget connects bank accounts in the US, Canada, the UK and the EU, plus Norway, Iceland and Liechtenstein. Where a bank isn't supported, CSV import and manual accounts cover it, in any currency. Each transaction converts to your home currency at the rate for its own date, so a budget set in euros or pounds works with your US accounts too.

The short answer

Choose Borderless Budget if

You live outside the US, or plan to
You have accounts in the UK, Europe or Canada
You spend in more than one currency
You use Android, or want to budget in any browser

Choose Copilot Money if

All your accounts are in the US¹
You live in the Apple ecosystem and want native iPhone and Mac apps¹
You want intra-day investment updates¹
You want an Apple Design Award finalist on your iPhone¹

Side by side

Feature	Borderless Budget	Copilot Money
Bank sync in the US¹
Bank sync outside the US¹	Canada, UK, every EU country, Norway, Iceland and Liechtenstein
Converts other currencies to your home currency⁴
Budgets in euros, pounds or any home currency⁴
Automatic categorization¹
Recurring charges detected¹
Net worth^{1, 4}	In your home currency	US accounts, in USD
Investment holdings¹		Intra-day updates
Household sharing³	Up to 4 people	Shared login
Apps¹	Web, works on phones	iPhone, iPad, Mac, web
Android¹	In the browser
Free trial¹	30 days	1 month
Price^{2, 5}	$10/mo or $99/yr	$13/mo or $95/yr

Verified October 2026 from each company's own website; the numbers beside each row point to its sources below. Prices are list prices before tax.

One month, three countries

Here is a month for an American who moved to Spain, kept a US card and a student loan, and owns a flat in the UK. Borderless Budget connects all of it and adds the month up in euros, the currency the household actually lives in.

Copilot could connect the two US accounts and show them in dollars. The Spanish rent, the groceries and the UK council tax would be outside it, because it supports US accounts only.¹

Transaction	Spent	In euros
RentSpanish current account	€1,150.00	€1,150.00
GroceriesSpanish current account	€312.40	€312.40
Streaming subscriptionUS credit card	$15.49	€13.34
Student loan paymentUS checking account	$250.00	€214.75
Council tax on a UK flatUK current account	£142.00	€163.26
Spent this month		€1,853.75

Illustrative figures. Each foreign amount converts at the exchange rate for its own date, so a later move in the rate doesn't rewrite last month.

What happens to Copilot when you move

Copilot is plain about it: it “works with US-based accounts only.”¹ Your US card and checking account keep syncing after a move. Your new current account in Lisbon or Berlin, your salary in euros, and your rent never show up.

That leaves the usual workaround: Copilot for the US half, a spreadsheet or a banking app for the rest, and a calculator to put them together. Copilot itself only supports USD and doesn't convert foreign currency transactions.⁴ It works until the exchange rate moves.

One budget across both countries

Borderless Budget connects bank accounts in the US, Canada, the UK and the EU, plus Norway, Iceland and Liechtenstein. Where a bank isn't supported, CSV import and manual accounts cover it, in any currency.

You choose a home currency, and every transaction converts to it at the exchange rate for its own date, with the original amount kept beside it. Categories, budgets, recurring charges and net worth all work across currencies, so your US subscriptions and your European rent land in the same budget.

Price and sharing

Copilot is $13 a month or $95 a year, with a 1-month free trial.² To share with a partner, you both log in to the same account, and each device gets full control.³

Borderless Budget has a 30-day free trial, then costs $10 a month or $99 a year, billed in USD, with every feature and up to 10 connected banks included.⁵ Each household member gets their own login. More on that on the couples page.

Where Copilot Money is better

Native iPhone, iPad and Mac apps.¹ Ours is a web app that works in your phone's browser.
Deep US coverage: 10,000+ US institutions, plus direct integrations with Venmo, Apple Card and Coinbase.¹
Intra-day investment updates and market index benchmarks.¹
A slightly lower yearly price, $95 against our $99, if all your money is in the US.^{2, 5}

Try it with your own accounts

Connect your accounts in each country you bank in and see the month in one currency. The first 30 days are free.

Get started

Sources

1. Copilot Money FAQ (US-only accounts, platforms, trial, categorization, subscriptions, investments, awards): www.copilot.money/faq, checked 2026-10-24.
2. Copilot Money pricing ($13/month or $95/year): www.copilot.money/, checked 2026-10-24.
3. Copilot Help, "Sharing your account with a partner": help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner, checked 2026-10-24.
4. Copilot Help, "International Currency": help.copilot.money/en/articles/10715424-international-currency, checked 2026-10-24.
5. Borderless Budget pricing: borderlessbudget.com/pricing, checked 2026-10-24.

A Copilot Money alternative for life outside the US