Connect your banks, wherever they are
One app for your US, Canadian, UK, and European bank accounts. Secure, regulated connections. Your credentials never touch our servers.
The international bank connection problem
Most budgeting apps connect to banks in one country. Monarch Money, Copilot, and RocketMoney only work with US banks. They're great apps, if your entire financial life happens in the United States.
YNAB recently added European bank connections, covering 18+ markets. That's a step forward. But YNAB still forces a single base currency per budget, so connecting a European bank doesn't solve the multi-currency budgeting problem.
PocketSmith connects to international banks and supports multi-currency, but starts at $19.95/month for those features.
Borderless Budget connects your banks across the US, Canada, UK, and EU, and handles multiple currencies natively. Starting at $10/month. Because connecting your banks should be the easy part.
Supported regions
Four regions, thousands of banks.
United States
Most major US banks and credit unions are supported. Connect checking, savings, and credit card accounts.
Popular banks: Chase, Bank of America, Wells Fargo, Citi, Capital One, and thousands more
Canada
Major Canadian banks are supported. Connect your Canadian accounts alongside your accounts in other countries.
Popular banks: RBC, TD, Scotiabank, BMO, CIBC, and more
United Kingdom
UK banks connect through secure, regulated connections. Most major banks and challenger banks are supported.
Popular banks: Barclays, HSBC, Lloyds, NatWest, Monzo, Starling, Revolut, and more
European Union
Connect banks across EU member states including Spain, Germany, France, Netherlands, Portugal, Italy, and more.
Popular banks: CaixaBank, Santander, BBVA, Deutsche Bank, Commerzbank, N26, ING, BNP Paribas, and more
Security you can trust
Your financial data is sensitive. We treat it that way.
Credentials never stored
When you connect a bank, you log in directly through a secure interface. Your username and password go straight to your bank. We never see them, store them, or have access to them.
Bank-level encryption
All data is encrypted with AES-256, the same standard used by banks. Data in transit is protected with TLS 1.2+. Your financial information is encrypted at rest and in transit.
Read-only access
We only have permission to read your transactions and balances. We cannot move money, make payments, or modify your accounts in any way.
Regulated providers
Our banking providers are authorized by financial regulators including the FCA (UK), ACPR (France), and other European authorities. They serve thousands of financial apps worldwide.
Connecting takes about 60 seconds
Search for your bank
Type your bank name and select it from the list. We automatically use the right provider based on your bank's country.
Log in to your bank
You'll see your bank's login screen through a secure connection. Enter your credentials directly with your bank, they don't pass through Borderless Budget. Complete any two-factor authentication your bank requires.
Transactions start syncing
Once connected, your recent transactions sync within minutes. The AI immediately starts categorizing them. From here on, new transactions sync automatically throughout the day.
Repeat for each bank account you want to connect. Your Chase account in the US and your CaixaBank account in Spain show up side by side in the same dashboard, each in their native currency.
Learn more
Best Bank Accounts for Expats in Europe , A comparison of the best accounts for Americans and other expats moving to Europe.
Bank connection questions
your budget shouldn't need a passport
Connect all your banks in one place
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