Frequently asked questions

Finch is a Swiss personal finance app and smart financial coach. It securely connects all your bank accounts, brokers and crypto exchanges into one dashboard, then helps you track spending, net worth and savings goals.

Finch is built for people living in Switzerland — residents, cross-border workers and expats — who hold accounts at several banks, often in more than one currency, and want a single, calm overview of their money.

No. Finch is not a bank and does not hold your money. It reads account data with your explicit consent through regulated Open Banking and secure aggregation partners, so your funds always stay with your own bank.

Finch is live. You can download it today from the Apple App Store or Google Play and connect your Swiss bank accounts in minutes.

Finch is free to download and free to get started. Optional paid plans add extra features, and you will never be charged without confirming first.

Finch connects to 4,000+ banks across Switzerland and Europe, including UBS, PostFinance, Bank CIC, Valiant Bank and many cantonal banks (see the full, always-current list at /swiss-banks-list), plus leading neobanks like N26 and Wise. Migros Bank, BCV and BCN are coming soon. Raiffeisen has no live sync — Raiffeisen accounts can be added and tracked manually.

Yes. Finch supports banks across the EU and UK — including Deutsche Bank, BNP Paribas, ING, N26 and Wise — which is useful for cross-border workers and expats with accounts in two countries.

Yes. You can track brokerage accounts such as Swissquote and Saxo, plus crypto exchanges, manually with live tickers today, so your investments count towards your net worth — direct sync is in development.

You can request your bank from within the app and we prioritise the most-requested institutions. Banks marked "Coming soon" on the supported banks page are already in the integration pipeline.

Usually under a minute per bank. You authenticate directly with your bank, approve read-only access, and your balances and transactions appear in Finch within seconds.

Yes. Connections are read-only, all data is encrypted in transit and at rest, and authentication always happens on your bank's own login screen — Finch never sees or stores your banking password.

No. Finch requests read-only access only. It can display balances and transactions but cannot make payments, transfers or any change to your accounts.

Yes. Finch is built to comply with the Swiss Federal Act on Data Protection (FADP/revDSG) and the EU GDPR, including your rights to access, export and delete your data.

Never. Your financial data is not sold, rented or shared with advertisers. It is used solely to deliver the features you asked for inside the app.

You can revoke a bank connection in the app at any time, and request full deletion of your account and data. Some banks additionally require you to revoke access in their own e-banking portal.

Multibanking means seeing accounts from several different banks in one app. Because most Swiss households bank with two or three institutions, it removes the need to open multiple apps to know where you stand.

Yes. CHF, EUR, USD and other currencies are supported side by side, converted into a single reference currency so your total net worth is always meaningful.

Yes. Finch categorises your spending automatically and supports budgeting methods such as 50/30/20. You can also use the free Swiss budget planner on this site before the app launches.

Yes. Pillar 3a and other retirement savings can be tracked alongside your everyday accounts, so you can see progress towards the annual maximum contribution.

Finch analyses your own transaction history to surface patterns, recurring costs and savings opportunities in plain language. It offers guidance and insights — it is a coach, not a licensed financial advisor.

Yes. Finch supports structured exports of transactions and balances that make preparing a Swiss tax declaration far quicker than collecting statements from every bank.

Yes. Finch offers an MCP server so external AI agents can securely query your financial context with your permission — useful if you already work with an AI assistant day to day.