Unified financial overview
Net balance across every bank, card and savings account, updated as your transactions sync.
In private development · Berlin · DACH
Your money, finally in one clear picture.
Fynwis brings all your bank accounts into one calm view, then shows you where your money goes, what's coming up next and what you can change. Built for people in Germany, Austria and Switzerland.
Read-only access We never hold your money No spam
What we're building
Your finances are spread across too many apps.
A current account here, a joint account there, savings somewhere else, a credit card and a dozen subscriptions quietly renewing. Every bank shows you its own slice. Nobody shows you the whole picture.
Fynwis connects the accounts you already have and turns scattered transactions into something you can actually act on.
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01
Bank accounts
Connect current, joint and savings accounts and credit cards from different banks.
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02
Organized data
Transactions are cleaned up, merchants recognized and everything sorted into categories.
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03
Insights
Spending patterns, recurring costs and unusual charges come to the surface on their own.
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04
Budgets
Set limits that match how you actually live, and always know what's left for the month.
How it works
From sign-up to a clear picture.
Five steps, the same path you'll take in the app on day one.
Pick one or more. We'll set up your dashboard around it.
€
Save more moneyBuild a buffer, month by month
✓↗
Track spendingSee where it all goes
◔
Budget smarterLimits that fit your life
Monthly net income
< 2.000 €2–4.000 €4–6.000 €
Continue
Bank connected!
Your checking account is now linked.
Syncing your transactions…
Syncing your transactions…
AccountChecking
HolderLena Weber
IBANDE89 •••• •••• 4831
Balance4.832,50 €
AccessRead-only
Go to dashboardAdd another account
Joint viewLenaJonas
Net balance6 accounts
31.812,68 €
+2,4 % this month
All accountsSynced 4 min ago
CA
Current account•••• 4831
4.832,50 €
JT
Joint accountLena & Jonas
4.128,55 €
SV
Savings2 accounts
25.036,29 €
CC
Credit cardDue 15 Sept
−2.184,66 €
By category · July
Spent
4.812 €
● Housing 34 %● Groceries 17 %● Food out 15 %● Transport 10 %
Recurring payments
12 detected
316,23 €a month
2 price rises1 trial ending3 dormant
WarningsSubscriptionsTools
CHECK THIS · 5H AGOUnusual 389,00 € at an electronics storeSix times your typical electronics spend, at 23:41 on the credit card.
KEEP AN EYE · YESTERDAYGroceries have crept up 18 %Three months ago you averaged 689 € a month. July closed at 812,35 € for much the same basket.
UPCOMING · IN 3 DAYSFree trial ends, then 22,99 €Video streaming · next charge 12 Sept
Features
Know your money. Without the spreadsheet.
The essentials for understanding your finances, done properly and in one place.
Spending analytics
See where your money goes by category and how this month compares with the last.
Budgets
Monthly limits per category with a clear “left to spend”, so the end of the month isn't a surprise.
Recurring & subscriptions
Every subscription and standing order in one list, including price rises and trials you forgot about.
Alerts
A heads-up for unusual charges, upcoming payments and categories drifting over plan.
Trust & privacy
Your money stays where it is.
Fynwis is built to help you understand your finances, not to hold them. That shapes every decision we make about access, data and control.
Read-only by design. Fynwis can't move, hold or invest your money.
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DACH-first
Designed around how people in Germany, Austria and Switzerland bank: local banks, joint accounts, standing orders and euro formatting that reads naturally.
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Open Banking
Accounts connect through regulated Open Banking interfaces. You grant access in your bank's own flow and can revoke it at any time.
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No custody of funds
We never hold your money and can't initiate payments. Your balances stay with your bank, exactly where they are today.
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GDPR-conscious
Built in the EU with data minimization in mind. We collect only what the product needs, and we don't sell your data.
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Export & delete controls
Download your data or delete your account whenever you want. Leaving should be as easy as joining.
About
Founder-led, built in public.
Fynwis is founded by Raj Kumar Vijayan in Berlin and supported by Startup Incubator Berlin and HWR Berlin. We're a small team building in stealth, and sharing the real journey (decisions, doubts and breakthroughs) along the way.
“Financial clarity shouldn't be a privilege. With the right tools and data, anyone can make better decisions about their money.”
The first people on the waitlist won't just get early access. They'll help shape what we build.
Supported by
FAQ
Questions, answered.
What is Fynwis?
Fynwis is a personal finance app for the DACH region. It connects your bank accounts, organizes your transactions and shows you spending, budgets, recurring payments and upcoming costs in one place.
When can I use it?
We're in private development right now. People on the waitlist will be the first to get access, and we'll invite them in small groups so we can listen closely to feedback.
Can Fynwis move or access my money?
No. Fynwis uses read-only Open Banking access. It can see balances and transactions so it can organize them for you, but it can't make payments, and we never hold your funds.
Which banks will be supported?
We're starting with banks in Germany, Austria and Switzerland that support Open Banking. We'll share the full list closer to launch. If there's a bank you'd especially like to see, tell us when you join the waitlist.
What will it cost?
We'll share pricing before launch, and waitlist members will hear about it first. Joining the waitlist is free and doesn't commit you to anything.
How is my data protected?
We're building under EU data protection rules (GDPR) from the start: collecting only what the product needs, never selling your data, and giving you tools to export or delete it at any time.
How do I leave the waitlist?
Every email includes an unsubscribe link, or just write to hello@fynwis.com and we'll remove your address.
Early access
Be among the first.
No spam. No noise. Just direct access to early access and founder updates in the run-up to launch.
- First access before the official launch
- Founder updates straight to your inbox
- Help shape the product before it goes public
- No spam, unsubscribe any time
Rather talk directly? Write to hello@fynwis.com
Join the waitlist
Confirm your email and you're in.
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