Copreo vs. Finanzguru

What this is about

Both apps bring current accounts, credit cards and other accounts together in one overview, sort transactions and help with budgeting. They differ mainly in how they make money and how much they offer beyond the overview itself. This comparison lists criteria and sources; details about Finanzguru come from its own website and the store pages. Copreo is built for people with accounts at banks in Germany.

What Copreo does differently

• One price, one plan: €2.99 a month, every feature included, cancel monthly [7]. There is no split between basic and Plus features.
• Subscription as the only income: Copreo shows no ads, uses no advertising or tracking SDKs and does not arrange contracts, loans or financial products [8].
• Read-only access: You cannot make payments through Copreo. It uses BANKSapi, a payment service provider licensed and supervised by BaFin, only to retrieve account data and never initiates payments [9][10].
• Portfolios in the overall view: Stocks, ETFs and funds from connected portfolios count towards the total.

How Copreo is funded and what it does not do is set out in detail on the page How does Copreo make money?

What Finanzguru also offers

• Start for free: “The basic version stays free,” Finanzguru writes [1]. Copreo has one free month for new users [7]; after that it is subscription only.
• Range of features: Finanzguru offers a contract overview, cancellations directly in the app, an insurance check and, in the Plus version, balance forecasts [1]. Copreo detects recurring payments but does not cancel anything for you.
• More institutions: Finanzguru names more than 4,000 banks and providers [1], Copreo more than 3,000.
• Own licence: Finanzguru is itself registered with BaFin as an account information service and holds a licence for payment initiation services [2]. Copreo uses the service provider BANKSapi for account access [9][10].
• Reach and ratings: On Google Play, Finanzguru shows more than 1 million downloads [6]. On the App Store the app is rated 4.7 from 127,949 ratings [5], on Google Play 4.4 from 80,100 reviews [6] (both as of 14 October 2026).
• Test reports: On its press page, Finanzguru refers to a test of household budget apps by Stiftung Warentest from October 2023 in which the app came out on top [4].

Which suits whom

Finanzguru suits you if you want to start for free and manage and cancel contracts directly in the app. Copreo suits you if you are looking for an overview of accounts, budgets and recurring payments, would rather pay a fixed monthly price and do not want partner offers in the app. More apps are on the page Finanzguru alternative.

All details about Finanzguru reflect the pages listed as of the access date. Prices and features may change; the provider's own information is what counts.