Finish every
month ahead.
FINIO finds the money you're losing every month and tells you exactly what to do with it. Your personal AI finance advisor — free.
Free to join · Launching in Norway 2026
Built for people who want to actually finish ahead.
Your money actually grows.
FINIO finds savings opportunities and tells you exactly what to do — you stay in control. See how much you could be setting aside each month, with a clear plan to get there.
A budget built around your life.
FINIO analyses your last 3 months of real transaction data and builds your budget automatically. No manual setup, no questions to answer.
Every kr accounted for.
Every transaction is automatically categorized the moment it lands. No more mystery charges, no more spreadsheets — just a clear picture of where your money goes.
Ask anything. Get real answers.
"Can I afford that trip to Copenhagen?" FINIO checks your actual numbers and gives you a straight answer — with a plan if the timing isn't right yet.
Everything your bank app should do — but doesn't.
Finds savings you didn't know existed
Unused subscriptions, a mortgage rate above market, insurance you're overpaying — FINIO spots them automatically and tells you exactly what to do.
All your money, one place
Connect multiple banks and credit cards. Every transaction, every account, automatically categorized and tracked in one clean view.
Ask anything, get real answers
Can I afford a holiday? Where did my money go this month? FINIO answers based on your actual numbers — not generic tips.
Your data stays yours
Read-only bank access. Data encrypted and hosted in the EU. No ads, no selling your data. FINIO makes money when it saves you money — not before.
What's inside
Everything you need, nothing you don't.
Auto-generated budget
Built from your last 3 months of spending. No manual setup, no spreadsheets.
Ant spending detector
Catches small recurring charges that silently drain your account every month.
Weekly spending insights
Category breakdowns and over/under budget status — delivered every week automatically.
Multi-bank support
Connect DNB, Nordea, SpareBank, Sbanken and more. All accounts in one place.
AI Advisor
Ask about your finances in plain language. Get answers based on your actual numbers, not generic advice.
Savings tracker
See exactly how much FINIO has saved you since day one. Every kr counts.
Card benefit matching
Tells you which of your cards earns the most on food, travel, and shopping — based on your actual spending.
Benefits you're missing
FINIO cross-references your cards' perks against your habits and flags the rewards you're leaving on the table.
Up and running in 3 minutes.
Connect
Link your Norwegian bank account securely via BankID. Read-only, encrypted, PSD2-compliant.
Sync
FINIO automatically categorizes your transactions and builds your budget. No manual entry ever.
Discover
Your AI Advisor surfaces savings opportunities, flags waste, and helps you finish every month ahead.
Your money, your data. Always.
Security isn't a feature — it's the foundation. Here's exactly how we protect you.
Bank-level encryption
All data is encrypted with AES-256 in transit and at rest. Hosted in EU data centres, never leaving European jurisdiction.
Read-only access
FINIO can only read your transaction history. We cannot initiate payments, transfers, or move money in any way.
PSD2 Open Banking
We connect via regulated Open Banking APIs — the same standard used by Vipps and the banks themselves. No screen scraping.
GDPR protected
Your data belongs to you. Export a full copy or request permanent deletion at any time. No ads, no data selling — ever.
Common questions
Join the waitlist. Be first.
Q4 2026 · Norway first · Sweden & Denmark coming soon