Zenmoney alternative for multi-currency budgets

The short version

Zenmoney is a mobile budgeting app with accounts in their own currencies, transfers with two amounts and sync with more than 3,300 banks. Its official bank-plugin repository has plugins for Bank of Georgia and TBC Bank, though its website does not list them. Its web version is no longer supported. Balans.finance runs on the web, imports Excel and PDF statements and reads receipt photos with AI.

Feature by feature

What Zenmoney offers was read off its own pages on 2026-11-07 and 2026-11-09.
Feature	Balans.finance	Zenmoney
Accounts in different currencies	Yes. One account can hold several currencies, each with its own balance.	Yes. Each account has its own currency.
Totals in one base currency	Yes, automatic. Each transaction is converted at the exchange rate of its own day.	Yes, in your main currency.
Transfers between currencies	Yes. A transfer records both the amount sent and the amount received.	Yes. A transfer has an amount in each account's currency.
Statement import	Excel (XLSX), CSV and PDF files from any bank; a layout it has not seen before is mapped by AI. No bank connection.	CSV files, through the old web version. Sync with 3,300+ banks.
Georgian banks	Yes. Bank of Georgia and TBC Bank statements, with Georgian or English column titles.	Its official plugin repository has Bank of Georgia and TBC Bank plugins; its website does not list them.
Receipt scanning	Yes. AI reads the store, date, items and amounts into categorised expenses.	Fiscal receipt QR codes only, in Russia, Kazakhstan, Uzbekistan, Montenegro and Moldova.
Zero-based budgeting	No. A budget sets a target for each category; income does not have to be assigned in full.	No. A budget sets limits per category; income left over can stay unassigned.
Forecasting	Yes. Where your total balance is heading, from its recent trend: three months ahead on every plan, and a year ahead on paid plans.	Partly. AI predicts each category's spending from your history. No balance forecast is mentioned.
Your own AI assistant	Yes. Connect Claude or another MCP client that supports OAuth to its MCP server, once you approve access. No built-in chat.	No AI-assistant connection is mentioned. A public API and a built-in AI assistant.
Platforms	Web. An Android app is coming to Google Play, and an iOS app will follow.	iPhone and Android. The web version is no longer supported.
Languages	11: English, Russian, German, French, Spanish, Italian, Portuguese, Dutch, Polish, Swedish and Georgian.	10.
Free plan	Yes, with no time limit: 3 receipt scans a month and 1 statement import a month.	Yes, for manual entry.
Price	Starter: €3.99 a month or €39.00 a year	Monthly, yearly or lifetime; prices are shown in the app and may vary by country.

Choose Zenmoney if…

You want sync with more than 3,300 banks; its official plugin repository has Bank of Georgia and TBC Bank plugins.
You want phone apps for iPhone and Android.
You want a built-in AI assistant, and AI that predicts each category's spending from your history.
You scan fiscal receipt QR codes in Russia, Kazakhstan, Uzbekistan, Montenegro or Moldova.

Choose Balans.finance if…

You want to work in a browser: Zenmoney's web version is no longer supported.
You want to import Excel and PDF statements from any bank, not CSV alone.
You want receipt photos read by AI, not only fiscal receipt QR codes in five countries.
You want one account to hold several currencies, and to connect Claude or another MCP client to an official MCP server.

What you give up by switching from Zenmoney

Bank sync: Balans.finance imports statement files instead.
Phone apps: Balans.finance runs on the web until its Android app ships.
A built-in AI assistant: Balans.finance connects to your own instead.

Where these facts come from

Every fact about Zenmoney on this page comes from its own pages - its website, help centre, developer documentation or app-store listing - read on 2026-11-07 and 2026-11-09. Where its pages do not mention something, the table says so rather than guessing. If something here is out of date, write to us and we will correct it.

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Balans.finance vs Zenmoney