A finance coach that never asks for your bank login
Bank-linked budgeting apps can be excellent when automatic transaction coverage is the priority. Senzo takes a different route: it works from receipts you photograph or forward, so you decide what enters your financial record.
Three ways to manage the same money
Features vary between products. "Partial" means the capability exists in some apps or markets, but is not consistent across the category.
Updated July 2026
| Capability | Senzo | Bank-linked apps | Spreadsheet / manual |
|---|---|---|---|
| Works without a bank login | Yes Receipts are the source | Usually no A bank connection is normally the core | Yes You enter or import the data |
| Reads receipts by photo or email | Yes Both are built in | Partial Some support attachments or receipt capture | Manual You copy the details yourself |
| Coach you can talk with | Yes Answers from your receipt history | Partial Some offer chat or automated insights | No Unless you build another workflow |
| Swedish, Norwegian, Danish, and English | Yes Available across the app | Partial Coverage varies by app and market | Yes You choose the language |
| Business VAT and accountant export | Yes Included with Business | Partial Exports vary; VAT support is market-specific | Manual Flexible, but you maintain it |
| Try before paying | 7 days Full Premium trial | Varies Some offer trials; some do not | Usually free You pay with setup and upkeep time |
Swipe the table sideways to compare all three approaches.
The honest answer depends on how you work
Bank-linked
Automatic coverage
Pick this when seeing nearly every transaction with little manual work matters more than item-level detail.
Spreadsheet
Complete control
Choose it when you enjoy building your own model and do not mind maintaining it.
Senzo
A coach that reads receipts
Senzo fits when you want item-level answers and a coach without handing over bank credentials.
Want to try the receipt-first route?
Join the waitlist and we'll email you when Senzo launches on iPhone.